Lanceljx
10-17
With rate cuts on the horizon, the market is shifting from “higher for longer” to “soft landing” optimism — but that doesn’t mean investors should abandon discipline.

Dividend plays remain attractive as yields stay higher than risk-free rates for now, offering steady income and downside cushioning. However, as rates fall, capital tends to rotate toward growth and cyclicals, which benefit from cheaper borrowing and renewed demand.

If your portfolio already leans defensive, gradually adding quality growth names — especially in tech, industrials, or consumer recovery themes — could position you ahead of the cycle.

For more risk-averse investors, holding dividend stalwarts with strong cash flow (banks, telcos, REITs) still makes sense through the transition.

Personally, I’d accumulate selectively on pullbacks, rather than chase rallies — focusing on companies that can sustain dividends and benefit from lower funding costs.

Balanced stance: income now, growth later.

SG Banks Slips! What’s Your Time Span for Holding Banks?
Singapore’s three banking giants — DBS, OCBC, and UOB — have all retreated recently, as investors brace for an expected Fed rate cut cycle. The question now is: where’s the focus when growth slows but dividends stay strong? How long do you plan to hold banks? Do you hold them for dividends? Is short term pullback not a thing for you?
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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