Most Singaporean retail investors I meet do not actually have a portfolio. They have a collection.
There is a difference, and it usually only becomes obvious when someone asks the question I like to ask in my talks: "What is your strategy?"
The honest answer, for most people, is some version of: "Well… I bought DBS during the dip in 2016, then added OCBC and UOB because the yields looked good, then a few REITs, then Sea Limited because everyone was talking about it, then Grab because I thought I missed Sea, then…"
You see the pattern. The portfolio has grown by accident, not by design. Some positions are for income. Some are for growth. Some you genuinely cannot remember why you bought.
If that sounds uncomfortably familiar, I am running a free 2-hour workshop where we will fix exactly this.
The Talk
Building a Resilient Singapore Portfolio: Income, Growth, or Both? 3 June 2026 (Wednesday), 7pm – 9pm Moomoo Store, 496 North Bridge Road, #01-01, Singapore 188739
Register here: https://www.moomoo.com/sg/events/stores
What We Will Actually Cover
I am going to walk you through a real (anonymised) portfolio from a 38-year-old IT manager I will call Alex. Fourteen holdings. About S$120,000. Up roughly 18% on paper, which is not bad. But 38.6% of the entire portfolio is sitting in DBS, OCBC, and UOB — three businesses that move together in the same rate cycle. He has no idea whether he is an income investor or a growth investor. He has REITs he loves and tech positions he is quietly scared of.
Alex is not stupid. Alex is like most of us.
We will pull his portfolio apart on screen and rebuild it deliberately, using only Singapore-accessible building blocks: REITs, the three local banks, Business Trusts, SGX-listed ETFs, growth stocks, and the new SDRs that give you direct exposure to names like BYD, Xiaomi and CATL.
By the end of the session, you will know:
- How to decide whether you are actually an income, growth, or balanced investor — and why getting this wrong costs you years.
- The three model allocations I use for Conservative, Moderate, and Aggressive Singapore profiles.
- Why your HDB, your CPF and your SGD salary should change how you build the equity side of your portfolio (most local content ignores this).
- How to spot dangerous concentration before it hurts you — not after.
- A simple annual review process so the portfolio stays a portfolio and does not slowly drift back into a collection.
Why I Am Doing This Talk
I have been investing in Singapore equities for over 15 years and teaching at Dr Wealth for nearly as long. The single biggest reason retail investors underperform is not stock picking. It is the absence of a structure to hold their stock picks together.
A good portfolio is like a meal. The ingredients matter, but the recipe matters more. A bag of carrots, garlic and beef is not dinner. Fourteen tickers on Moomoo are not a portfolio.
If you have been investing for a few years, have built up some capital, and have started to suspect that you are not quite sure what you are doing, this is the talk for you. Bring your questions. I keep the Q&A long on purpose.
Practical Details
- Date: Wednesday, 3 June 2026
- Time: 7pm – 9pm (please arrive by 6.45pm)
- Venue: Moomoo Store, 496 North Bridge Road, #01-01, Singapore 188739 (5 minutes' walk from Bugis MRT)
- Cost: Free
- Register: https://www.moomoo.com/sg/events/stores
Seats at the Bugis store are limited, and these Moomoo sessions tend to fill up. If you are planning to come, register early.
See you on Wednesday.
Christopher Ng Wai Chung, CFA, JD
