If you have been reading financial books or articles from the United States, it will suggest that return lower than 5% is mediocre. We all want high return for our funds, but how? In US, I guess it is much easier. You can easily buy S&P500 and get about 10% average annualised returns for past decades. However, many of us are skeptical whether STI ETF can do the same. Reason being is that US ETF has much lower management fee and the performance is better. Like it or not, US is the economy powerhouse, a place where everyone at least have some respect on. In Singapore, we can't say for sure in the long term. I am an advocate for "Not losing is winning half of the battle". There are so many strategies and temptation to do cherry picking in stocks, buy high and sell low, or buy mid and ......