I feel convinced USD will strengthen within a few years.

Shall I use SGD to buy USD-denominated assets?

— #1 idea: SRS to buy more US ETFs?

How does D07 compoare to S27?

— Convert SGD to USD and place FixD

• With Street money changer, I needed to pay SGD 12920 to get USD 10k physical cash, then I need to pay SGD 66 (USD 50) to deposit to citi, then USD 3 for a cheque.
• On BankOfChina mobank, I paid SGD 12985 to receive USD 10k. SmsOtp. No need to wait for cheque clearance.
• HSBC preferrential rate was no better than BOC

I saved time in addition to saving cost.

Up to 20 Sep 2024, I have “invested” SGD 12985+13002+13002 into USD 30k. I hope the 10Y probability of converting back to SGD is small. I may need to keep track of simple total return when the SGD liquidation amount is comparable to the initial SGD investment. To keep things simple, I will ignore the time value of money. See https://tanbinvest.dreamhosters.com/wp-admin/post.php?post=12668&action=edit

— Syfe flexi USD .. I think when I exit, it will be converted back to SGD

Conclusion: Inferior to UsdFixD in terms of tx cost, and also non-guaranteed