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Hidden Gems: 3 Debt-Free Stocks for Paying More than Your CPF
By The Smart Investor  •  July 16, 2026
The CPF Ordinary Account offers a guaranteed 2.5% a year. It is a floor worth respecting. It is also a floor worth beating, if you can do so without taking on undue risk. Three Singapore-listed companies clear that bar today. Each pays a dividend yield above 2.5%. Each carries no debt. And each sits on a pile of cash that funds its payout from strength rather than borrowing. These three names show why free cash flow matters.

HRnetGroup (SGX: CHZ)

Let’s start with the highest yield of the trio: HRnetGroup, a recruitment and staffing firm operating across Asian cities. At S$0.74, HRnet shares offer a 5.7% dividend yield. For the full year ended 31 December 2025, revenue rose 3.0% year on year (YoY) to S$584.0 million, and profit attributable to owners climbed 15.0% to S$51.2 million. The dividend followed the direction of its profit. HRnet declared a total dividend of S$0.042 for FY2025, up 5.0% from S$0.040 a year ago....
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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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