DefensiveGoal: Positive long-term returns, taking a cautious level of risk
Strategy: Focus on lower-risk investments, such as bonds
Composition: Major focus on bonds, with some exposure to stocks and alternatives, all via low cost ETFs
Risk level: Low
Minimum investment: SGD 2,000 initial investment, SGD 100 regular contribution, via a Regular Savings Plan, or USD 10,000 for the USD-denominated portfolio.