Investing for your children is a fundamentally different exercise from managing your own retirement fund. As a mother of three – with my eldest at 12 already eyeing the horizon of secondary school and my youngest still full of five-year-old wonder – I am constantly reminded that my most powerful tool isn’t a complex trading algorithm. It is time. With a horizon of 20, 30, or even 40 years, we can afford to ignore the daily market “noise” and focus on the incredible engine of compounding. Instead of chasing speculative trends that might vanish before my kids reach university, my goal is to own businesses that can survive economic cycles and grow alongside them. We are looking for durable competitive advantages, rock-solid balance sheets, and the ability to grow dividends over decades.

DBS Group Holdings Limited (SGX: D05) – Record Income and Wealth Management Strength

As Singapore’s largest bank, DBS is a cornerstone for any local portfolio. In the first quarter of 2026 (1Q2026),...