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How to Build a Retirement Portfolio with Growth and Dividends in Singapore
By The Smart Investor  •  September 2, 2025
We all dream of a comfortable retirement, one where money isn’t a cause for worry. To turn that dream into reality, we need to back it with a solid plan. Saving diligently and investing prudently are some of the effective methods that will enable you to achieve that much sought-after retirement. Retirement investing is not as complicated as you think. With the right combination of dividend stocks for stability and growth stocks for long-term upside, you can build a portfolio designed to pay you for decades to come. Here’s how to put the pieces together.

1. Start with a Fortress of Dividend Stocks

Dividend-paying stocks should form the foundation of your retirement portfolio. They provide steady cash flow that you can rely on, even in uncertain markets. Some examples of dependable dividend payers in Singapore include:
  • DBS (SGX: D05), OCBC (SGX: O39), and UOB (SGX: U11) – our local banking giants with strong
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By The Smart Investor
The Smart Investor is co-founded by David Kuo, Joanna Sng, and Chin Hui Leong. The company was formed in late 2019 from the ashes of the Motley Fool Singapore. The Smart Investor believes that everybody can learn how to invest, smartly. We aim to educate people on how to invest smartly by providing investing education, stock commentary and market coverage for Singapore and around the world.
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