{"id":27535,"date":"2026-02-11T15:33:35","date_gmt":"2026-02-11T07:33:35","guid":{"rendered":"https:\/\/www.syfe.com\/magazine\/?p=27535"},"modified":"2026-02-20T18:03:25","modified_gmt":"2026-02-20T10:03:25","slug":"how-to-earn-4-percent-investment-returns-per-year-consistently-passive-income-singapore","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/magazine\/how-to-earn-4-percent-investment-returns-per-year-consistently-passive-income-singapore\/","title":{"rendered":"How to Earn 4% Investment Returns Per Year Consistently in Singapore"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" data-attachment-id=\"27716\" data-permalink=\"https:\/\/www.syfe.com\/magazine\/how-to-earn-4-percent-investment-returns-per-year-consistently-passive-income-singapore\/2048x1365-article-4\/\" data-orig-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4.jpg\" data-orig-size=\"2048,1365\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2048&#215;1365 Article &#8211; 4%\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-300x200.jpg\" data-large-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-1024x683.jpg\" src=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-1024x683.jpg\" alt=\"\" class=\"wp-image-27716\" srcset=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-1024x683.jpg 1024w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-300x200.jpg 300w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-768x512.jpg 768w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-1536x1024.jpg 1536w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-630x420.jpg 630w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-696x464.jpg 696w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-1068x712.jpg 1068w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4-1920x1280.jpg 1920w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/02\/2048x1365-Article-4.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Looking for a realistic way to earn 4% investment returns per year in Singapore? Find out what it takes, which asset classes matter, common pitfalls to avoid, and how diversified portfolios can help you aim for consistency over time.<\/h3>\n\n\n\n<p>In a high\u2011cost city like Singapore, where <strong>inflation has averaged roughly 2%\u20133% over the long term<\/strong>, earning 4% allows investors to grow their wealth modestly in real terms without taking outsized risks.<\/p>\n\n\n\n<p>The goal of 4% returns frequently appears in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retirement income planning (how much your portfolio needs to sustain withdrawals)<\/li>\n\n\n\n<li>Protecting purchasing power against inflation<\/li>\n\n\n\n<li>FIRE discussions (how large your nest egg must be to support annual spending)<\/li>\n\n\n\n<li>Capital preservation strategies for near\u2011retirees<\/li>\n<\/ul>\n\n\n\n<p>Yet, bank deposit rates and cash\u2011like instruments rarely keep pace with inflation over long periods. Investors therefore face a dilemma: stay safe but risk losing purchasing power, or invest and accept uncertainty?&nbsp;<\/p>\n\n\n\n<p>For many Singapore investors, this goal isn\u2019t to beat the market or chase eye\u2011catching double\u2011digit returns. It\u2019s about reliability. A steady 4% per year can reduce the emotional stress that comes with volatile markets on top of hedging against inflation.<\/p>\n\n\n\n<p>So how realistic is the goal of earning 4% a year?&nbsp;<\/p>\n\n\n\n<p>The good news is, <strong>4% is not an aggressive target<\/strong> \u2014 but achieving it <em>consistently<\/em> requires structure, discipline, and realistic expectations about how markets behave.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Does \u201cConsistent\u201d Really Mean?<\/strong><\/h2>\n\n\n\n<p>One of the biggest misconceptions is that consistency means earning exactly 4% every year. In investing, that almost never happens.<\/p>\n\n\n\n<p>A more accurate definition of consistency is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoiding large drawdowns that permanently impair capital<\/li>\n\n\n\n<li>Achieving an <strong>average return<\/strong> of around 4% over a full market cycle<\/li>\n\n\n\n<li>Generating relatively stable income and smoother portfolio swings<\/li>\n<\/ul>\n\n\n\n<p>For example, a portfolio might deliver:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>+7% in a strong year<\/li>\n\n\n\n<li>+3% in an average year<\/li>\n\n\n\n<li>\u20132% in a difficult year<\/li>\n<\/ul>\n\n\n\n<p>Over time, these results can still compound to roughly 4% annually. Investors who understand this are far more likely to stay invested and actually realise the returns their portfolios are designed to deliver.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is It Feasible to Earn 4% Per Year in Singapore?<\/strong><\/h2>\n\n\n\n<p>Yes \u2014 but only with the right approach.<\/p>\n\n\n\n<p>Historically, <strong>diversified portfolios<\/strong> combining equities, bonds, and income assets have delivered that amount in annualised returns over time. The challenge is not mathematical feasibility, but behavioural and structural execution.<\/p>\n\n\n\n<p><strong>What makes 4% achievable:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It does not rely solely on equity market growth<\/li>\n\n\n\n<li>It allows for meaningful allocations to lower\u2011volatility assets<\/li>\n\n\n\n<li>It can be supported by income (dividends and coupons), not just price appreciation<\/li>\n<\/ul>\n\n\n\n<p><strong>What makes it difficult:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Short\u2011term market volatility can tempt investors to exit at the wrong time<\/li>\n\n\n\n<li>Chasing yield or \u201cguaranteed\u201d products can introduce hidden risks<\/li>\n\n\n\n<li>Poor diversification or high fees can erode returns<\/li>\n<\/ul>\n\n\n\n<p>In other words, the goal is realistic \u2014 but only if investors accept trade\u2011offs and resist the urge to over\u2011optimise for safety or yield.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Core Principles for Targeting 4% Returns<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Diversification Is a Must<\/strong><\/h3>\n\n\n\n<p>If consistency is your objective, then <strong>over-concentration is your enemy<\/strong>. Single stocks, narrow sector bets, or heavy exposure to one country in your portfolio can dramatically increase volatility.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.syfe.com\/magazine\/portfolio-diversification-singapore\/\" target=\"_blank\" rel=\"noreferrer noopener\">Diversification<\/a> works because different assets respond differently to economic conditions. When equities struggle, bonds may stabilise the portfolio. When interest rates rise, certain real assets may perform better.<\/p>\n\n\n\n<p>True diversification includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Multiple asset classes (equities, bonds, real assets)<\/li>\n\n\n\n<li>Geographic exposure beyond Singapore<\/li>\n\n\n\n<li>Different sources of return (income and growth)<\/li>\n<\/ul>\n\n\n\n<p>This does not eliminate losses, but significantly reduces the risk of permanent capital damage \u2014 which is critical when targeting modest, steady returns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Combine Growth and Income \u2014 Don\u2019t Rely On One Alone<\/strong><\/h3>\n\n\n\n<p>A 4% target sits in the <strong>middle ground between pure growth and pure income strategies<\/strong>.<\/p>\n\n\n\n<p>Relying only on equities may generate strong long\u2011term returns, but the volatility can be uncomfortable. Conversely, relying only on income assets may limit growth and fail to keep pace with inflation.<\/p>\n\n\n\n<p>A balanced approach allows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Growth assets to drive long\u2011term appreciation<\/li>\n\n\n\n<li>Income assets to stabilise returns and provide cash flow<\/li>\n<\/ul>\n\n\n\n<p>This blend helps smooth performance across different market environments, one of the key ingredients of consistency.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Focus on Total Return, Not Headline Yield<\/strong><\/h3>\n\n\n\n<p>A mistake in setting a 4% goal is equating it with finding investments that yield 4% or more.&nbsp;<\/p>\n\n\n\n<p>However, high yield does not mean high return. An asset yielding 6% can still deliver poor outcomes if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Its price declines<\/li>\n\n\n\n<li>The income is not sustainable<\/li>\n\n\n\n<li>Credit or sector risks materialise<\/li>\n<\/ul>\n\n\n\n<p><strong>Total return<\/strong> \u2014 income plus capital movement \u2014 is what ultimately matters. Investors who focus solely on yield often end up taking more risk than they realise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Costs Matter More Than You Think<\/strong><\/h3>\n\n\n\n<p>When expected returns are modest, costs become a major drag.<\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A 1% annual fee consumes 25% of a 4% return<\/li>\n\n\n\n<li>Transaction costs from frequent trading further reduce outcomes<\/li>\n<\/ul>\n\n\n\n<p>Singapore investors benefit from a tax\u2011efficient environment, but fees are still very real. Low\u2011cost, diversified portfolios improve the probability that the returns you <em>earn<\/em> are close to the returns your investments <em>generate<\/em>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Asset Classes That Support a 4% Return Objective<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bonds and Fixed Income: Stability and Income<\/strong><\/h3>\n\n\n\n<p>Bonds are often misunderstood as low\u2011return assets, but their true value lies in portfolio stability.<\/p>\n\n\n\n<p>High\u2011quality bonds:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Provide predictable income<\/li>\n\n\n\n<li>Reduce overall portfolio volatility<\/li>\n\n\n\n<li>Offer diversification benefits during equity downturns<\/li>\n<\/ul>\n\n\n\n<p>While <a href=\"https:\/\/www.syfe.com\/magazine\/what-latest-us-fed-rate-cut-means-bonds-investors-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">interest rate cycles<\/a> affect bond prices, diversified fixed income strategies can still play a crucial role in smoothing returns and protecting capital. This dual benefit of income generation and downside protection makes bonds a mainstay in any portfolio.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Global Equities: The Long\u2011Term Growth Engine<\/strong><\/h3>\n\n\n\n<p>Even for conservative return targets, equities remain essential. Over long horizons, global equities have historically delivered returns well above 4%.<\/p>\n\n\n\n<p>Their role in a 4% strategy is not to maximise returns, but to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offset inflation<\/li>\n\n\n\n<li>Provide long\u2011term growth<\/li>\n\n\n\n<li>Prevent capital erosion<\/li>\n<\/ul>\n\n\n\n<p>The key is managing exposure so that equity volatility does not greatly impact\u2014or even dominate\u2014the portfolio\u2019s behaviour.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>REITs: Income With a Real\u2011Asset Angle<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.syfe.com\/magazine\/singapore-reits-performance-q4-2025-strong-rally-double-digit-gains\/\" target=\"_blank\" rel=\"noreferrer noopener\">REITs<\/a> are particularly popular in Singapore due to their regular distributions and familiarity.<\/p>\n\n\n\n<p>They offer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Attractive income and growth potential<\/li>\n\n\n\n<li>Exposure to physical assets like offices, logistics, and retail (i.e. diversification)<\/li>\n\n\n\n<li>Some inflation\u2011linked characteristics<\/li>\n<\/ul>\n\n\n\n<p>However, REITs are sensitive to interest rates and economic cycles. Therefore, a diversified, global approach would reduce concentration risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A Portfolio Structure That Can Generate 4% Returns<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><a href=\"https:\/\/www.syfe.com\/core\" target=\"_blank\" rel=\"noreferrer noopener\">Core Portfolio<\/a>: The Anchor<\/strong><\/h3>\n\n\n\n<p>A core portfolio blends global equities and bonds to deliver balanced, risk\u2011adjusted returns.<\/p>\n\n\n\n<p>Over time, this structure aims to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Capture global growth<\/li>\n\n\n\n<li>Reduce volatility through fixed income<\/li>\n\n\n\n<li>Deliver steady, long\u2011term compounding<\/li>\n<\/ul>\n\n\n\n<p>For many investors, the core portfolio forms the backbone of a 4% strategy.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-round\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.syfe.com\/core\" style=\"background-color:#263159\" target=\"_blank\" rel=\"noreferrer noopener\">Explore Syfe Core portfolios<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><a href=\"https:\/\/www.syfe.com\/income-plus\" target=\"_blank\" rel=\"noreferrer noopener\">Income+<\/a> Portfolio: Prioritising Predictability<\/strong><\/h3>\n\n\n\n<p>Income\u2011oriented portfolios tilt toward bonds and income strategies to reduce volatility and generate regular cash flow.<\/p>\n\n\n\n<p>This approach suits investors who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Value consistent returns<\/li>\n\n\n\n<li>Are approaching or in retirement<\/li>\n\n\n\n<li>Prefer income visibility over upside potential<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-round\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.syfe.com\/income-plus\" style=\"background-color:#263159\" target=\"_blank\" rel=\"noreferrer noopener\">Explore Income+<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><a href=\"https:\/\/www.syfe.com\/reit-plus\" target=\"_blank\" rel=\"noreferrer noopener\">REIT+ <\/a>Portfolio: Enhancing Income Potential<\/strong><\/h3>\n\n\n\n<p>A REIT\u2011focused allocation can meaningfully boost portfolio income.<\/p>\n\n\n\n<p>When used alongside other portfolios, REIT+ can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Increase yield<\/li>\n\n\n\n<li>Add diversification through real assets<\/li>\n\n\n\n<li>Support overall return targets<\/li>\n<\/ul>\n\n\n\n<p>The key is balance \u2014 REITs should complement, not dominate, the strategy.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-round\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.syfe.com\/reit-plus\" style=\"background-color:#263159\" target=\"_blank\" rel=\"noreferrer noopener\">Explore REIT+<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Common Mistakes That Undermine Consistency<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Believing in \u201cGuaranteed\u201d Returns<\/strong><\/h3>\n\n\n\n<p>If something promises safe, consistent 4% returns with no risk, scepticism is warranted. Risk may be hidden in liquidity, credit quality, or structure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Over\u2011Concentration in Local Assets<\/strong><\/h3>\n\n\n\n<p>Singapore is a small market. Over\u2011allocating to local equities or REITs increases vulnerability to domestic shocks. Global exposure improves resilience.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Letting Emotions Drive Decisions<\/strong><\/h3>\n\n\n\n<p>Selling during downturns and buying after rallies is one of the fastest ways to miss long\u2011term targets. Discipline matters more than precision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>So Can You Really Earn 4% Consistently?<\/strong><\/h2>\n\n\n\n<p>Yes \u2014 but only if you<strong> commit to a disciplined approach<\/strong>.<\/p>\n\n\n\n<p>A diversified portfolio combining growth and income assets, managed with an eye on costs and risk, can reasonably aim for a 4% annualised return over time. What it cannot do is eliminate uncertainty or deliver identical outcomes every year.<\/p>\n\n\n\n<p>The investors most likely to succeed are those who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Stay diversified<\/li>\n\n\n\n<li>Rebalance periodically<\/li>\n\n\n\n<li>Focus on long\u2011term outcomes rather than short\u2011term noise.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Build for Stability, Not Speculation<\/strong><\/h2>\n\n\n\n<p>If your goal is steady progress rather than dramatic swings, Syfe\u2019s portfolios designed around diversification and risk management can help.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.syfe.com\/core\" target=\"_blank\" rel=\"noreferrer noopener\">Core portfolios<\/a><\/strong> form a resilient foundation<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.syfe.com\/income-plus\" target=\"_blank\" rel=\"noreferrer noopener\">Income+ portfolios<\/a><\/strong> prioritise smoother cash flow<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.syfe.com\/reit-plus\" target=\"_blank\" rel=\"noreferrer noopener\">REIT+ portfolios<\/a><\/strong> enhance income through real assets<\/li>\n<\/ul>\n\n\n\n<p>Used strategically, these portfolios can work together to support a sustainable 4% return objective, aligned with your goals, time horizon, and comfort with risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Read More:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/1000-month-passive-income-in-singapore\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Earn $1,000 In Passive Income Each Month: A Singaporean\u2019s Guide<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/make-passive-income-in-singapore\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Build A Passive Income Portfolio In Singapore&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/common-passive-income-mistakes-singaporeans-make-how-to-avoid-them\/\" target=\"_blank\" rel=\"noreferrer noopener\">Common Passive Income Mistakes Singaporeans Make \u2014 and How to Avoid Them<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/how-to-earn-passive-income-singapore-start-earning-dividend-stocks-bonds-side-hustle-reits-investment-portfolio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Passive Income Streams That Work for Singaporeans (and How to Start Earning)<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Looking for a realistic way to earn 4% investment returns per year in Singapore? Find out what it takes, which asset classes matter, common pitfalls to avoid, and how diversified portfolios can help you aim for consistency over time.<\/p>\n","protected":false},"author":3,"featured_media":27715,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[16,287],"tags":[1126,898,206,998,954,203],"class_list":{"0":"post-27535","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-grow-wealth","8":"category-investing-basics","10":"tag-grow-wealth","11":"tag-investing","12":"tag-investing-strategy","13":"tag-investment-strategy","14":"tag-passive-income"},"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Earn 4% Investment Returns Per Year Consistently in Singapore<\/title>\n<meta name=\"description\" content=\"Looking for a realistic way to earn 4% investment returns per year in Singapore? 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