Probably stable. Probably profitable. Probably safe.
For Singaporean investors today, “probably” just isn’t good enough. Whether you’re saving for retirement, building a side income stream, or planning for your family’s future, every investor needs a foundation of certainty.
What most investors want today isn’t speculation, but certainty in the form of reliable returns, lower risk, and peace of mind.
To achieve that, some investors hold cash and cash equivalents, i.e., liquid, low-risk assets, such as T-bills or high-yield savings products; others invest in non-correlated asset classes, like precious metals.
Then, there is fixed income, and there is a place for it regardless of your investment style.
Who Is Fixed Income For?
Everyone!
If you’re an investor with a more aggressive risk appetite, fixed income can help hedge the risk profile of your investments as you invest in higher-risk instruments like equities. If you’re a more balanced investor, fixed income can add a dependable layer of diversification.
And if you’re a cautious investor, fixed income can do all of the above while also providing a reliable stream of side income through regular repayments.
If you are considering adding fixed income to your personal finance strategy, BigFundr’s fixed income deals offer higher returns than most alternatives, with added stability and certainty.
This article will explore the drawbacks of some conventional investment methods. We’ll also break down how BigFundr can offer our clients consistent returns that outperform market alternatives.
How Are Your Investments Working Out For You?
If you are an investor who prioritises low risk and stable returns, most conventional investment options may not promise the peace of mind or reliability you seek.
The High Volatility of Equity Investments
Equities, or shares, are assets that are bought and sold on the stock exchange, such as the Singapore Exchange (SGX). While this open market allows you to quickly buy and sell at your discretion, it also leaves you vulnerable to market fluctuations.
The stock market responds to a host of factors, from company performance to market sentiment. For example, a large tech company could report lower profits, causing its stock prices to fall. In another case, political tensions may emerge between countries, prompting investors to panic sell or hold back from making any new investments.
These factors make the stock market greatly unpredictable. If you have a relatively low risk appetite, this can be a nerve-wracking experience as an investor.
The Vulnerability of Real Estate Investment Trusts (REITs)
Investing in REITs is one of the most convenient ways to enter overseas real estate markets without the burden of directly owning an international property.
While REITs can provide considerably high yields and liquidity, keep in mind that they are still bought and sold on the stock market. This makes them just as vulnerable to market fluctuations as any other type of shares would be.
REIT prices are controlled by investor sentiment and are highly dependent on interest rates. Consider a scenario where interest rates go up and property demand goes down, for instance. In this situation, property values can decrease and lower the value of your investment. In this way, REITs behave more like stocks than like stable real estate assets.
The Unpredictability of Cryptocurrency Investments
Younger or more forward-looking investors may find crypto or tech-driven assets appealing.
Investing in cryptocurrency involves buying digital currencies like Bitcoin or Ethereum, which are stored in a digital wallet.
However, cryptocurrencies are not regulated by any central bank or government, which means your wallet isn’t protected by safeguards like fraud protection. The value of cryptocurrencies can also shift wildly in a matter of hours, triggered primarily by market sentiment and reactions to global news.
This makes crypto a highly risky option for investors who are looking for stability or predictable returns.
What Does This Mean for Singaporean Investors Like You?
A 2025 Fidelity International Global Sentiment Survey found that only 22% of working adults in Singapore feel confident about investing their money, and just 33% believe they’ll be financially comfortable in retirement. Many also feel uncertain about the rising cost of living and their long-term savings, reflecting a broader anxiety about financial security.
It’s no surprise, then, that Singaporean investors are increasingly searching for dependable ways to grow their wealth without exposing themselves to too much additional risk.
However, many traditional “safe” options, such as T-bills or Singapore Savings Bonds (SSBs), offer returns that barely keep up with inflation.
On the other hand, taking on higher-risk investments like equities can be daunting, especially for those who are not well-placed to weather stock market volatilities, seniors who are nearing or in retirement or families managing important financial commitments.
But does this mean there is truly no way to lock in stable returns while also avoiding unnecessary risk?
The answer is actually yes, that is if you look in the right direction.
How BigFundr Outperforms Traditional Fixed Income Investments
At BigFundr, we specialise in providing clients with superior fixed income returns that are secured by low-risk property assets. Our opportunities are sourced from Australia’s leading fund managers, allowing clients to enjoy up to 5.25% net interest p.a. with no hidden fees.
As a MAS-licensed investment platform, our investments must pass a stringent due diligence process.
And the numbers speak for themselves; to date, we have facilitated more than S$700 million intotal investments to date and paid out more than $32 million in interest to investors. All of this with zero delays and defaults.
1. Investments Secured by Real Assets
We at BigFundr specialise in fixed income investments that are backed by tangible property assets as collateral. This means the money you invest is secured by real estate projects with real and recoverable value.
When you invest through BigFundr, your capital is used to fund loans between 4 to 12-month tenures which are secured by predominantly residential projects situated in capital cities with multiple exit strategies and capital safeguards. We are highly selective of the developments we finance.
In return for funding the project, the developer pays interest on the loan, which is disbursed to you as monthly interest payments, giving you a clear and predictable stream of income throughout the tenure. Your principal, along with your final interest payment, is then disbursed upon maturity.
All of which makes our property-backed private credit opportunities distinct from investments like stocks or REITs. Where the values of these instruments are affected by market sentiment and yields fluctuate based on performance, our BigFundr Deals shield you from such volatility.
2. Strict Due Diligence and Risk Mitigation
We take capital protection very seriously as our investors entrust their life savings and financial goals to us. We have a comprehensive risk mitigation strategy and employ multiple safeguards to provide the best risk-adjusted returns.
Every borrower undergoes a comprehensive due diligence process so that we can provide only the most credible investment opportunities featured on the platform.
Our Investment Committee, made up of senior professionals with extensive experience in real estate, will assess every investment Deal carefully. They will consider factors including a borrower’s financial history, the structure of the loan, and the viability of the collateral.
Deals must pass our strict internal risk assessment before they are made available to investors. Our high standards and levels of scrutiny help reduce the likelihood that a borrower will default or make late payments, ensuring that your payouts can be made consistently.
In fact, we are proud to say that BigFundr has a track record of zero defaults or delayed payments in the 4 years since our founding, a testament to our commitment towards protecting investor capital.
In addition, we also lend only up to 70% of a property's value, guaranteeing a 30% safety cushion if property prices ever decline, providing a buffer against volatility in the property market.
3. Higher-Than-Market Interest Rates
One major reason why we can deliver clear returns above other fixed income platforms is our ability to set higher interest rates than the market average.
You may wonder why borrowers would favour borrowing with higher interest rates from private lending sources like BigFundr and our fund managers. Here are some reasons why:
- Private lenders can process and disburse funds more quickly than banks, allowing borrowers to act on time-sensitive opportunities such as property purchases.
- Borrowers can negotiate terms that better fit their cash flow and project timelines, rather than conforming to rigid banking requirements.
- Due to strict capital requirements, banks have become more conservative with lending, which affects how medium and smaller developers access funding. Private lending fills this niche by lending funds at higher rates to developers.
- Private lenders can structure financing solutions that are more bespoke and flexible to the borrower, often more efficiently than banks, allowing them to charge higher loan rates — which translates into better returns for investors.
In BigFundr’s case, a higher interest rate doesn’t mean higher risk. Instead, it allows us to offer stable, consistent returns above the market average to our investors, which is more than what typical investment-grade REITs or bonds can provide.
4. Exposure to Robust International Property Markets
Singapore’s real estate environment is one that presents high barriers to entry and offers rather low returns. Current rental yields in the country hover between 3-4%,
On top of that, property prices are at record highs, and investors have to contend with obstacles such as Additional Buyer’s Stamp Duties for citizens who purchase a second or third property.
We at BigFundr give Singaporean investors the opportunity to enjoy returns from other stable property markets, like Australia. Our property-backed fixed income Deals in Australia offer attractive and stable yields, thanks to robust population growth, high rental demand, good infrastructure and ongoing urban development in cities like Sydney, Brisbane and Melbourne.
This promising real estate landscape makes international property investment a rewarding opportunity for Singaporean investors who are seeking strong returns and low risk.
Don’t Settle for “Probably”: Enjoy Stable, Consistent Returns With BigFundr
Whether it's your children’s education, your parents’ medical care, or your retirement funds, these are life commitments that can’t be left to chance. With life’s big goals ahead, you deserve financial strategies that deliver clarity and confidence.
At BigFundr, we believe financial certainty shouldn’t come at the cost of returns. Our fixed income investments are designed to deliver stability and yields higher than the market average, helping you plan for the future without relying on guesswork.
Getting started with BigFundr is simple. All you need to do is sign up as an investor, browse through our curated investment opportunities, and select the one that best aligns with your financial goals.
Once you’ve made your choice and completed the checkout process, you can sit back and enjoy the steady monthly returns from your investment.
Learn more about our investment model, explore our available deals, or sign up to start investing today!
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