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Here’s a breakdown of CSPX vs VOO vs Fixed Deposits in Singapore, with pros/cons, tax & risk considerations. I’ll assume you are comparing for a mid-to-long term horizon. We can also run numbers if you like. What they are Investment CSPX VOO Fixed Deposits (Singapore) Type UCITS ETF (Irish-domiciled) that tracks the S&P 500. Usually accumulating (reinvests dividends). U.S.-listed ETF that tracks the S&P 500. Distributing (pays dividends). Bank deposit, guaranteed interest rate for a fixed term (e.g. 1-3 yrs etc.), principal typically insured up to a limit. Key differences & what matters (for a Singapore investor) Dividend withholding tax / tax treatment VOO is U.S. domiciled, so dividends from U.S. companies are paid out and then subject to 30% U.S. withholding tax for non-resident investors (unless special treaty). StashAway Singapore+2Syfe+2 CSPX is Irish-domiciled (a UCITS ETF). Because of U.S.-Ireland tax treaties, the withholding tax on U.S. dividends is lower (15%) inside the fund. Also, since many share classes of CSPX are accumulating, dividends are reinvested within the fund, which helps compounding. StashAway Singapore+2Syfe+2 Expense Ratios (Costs) VOO is cheaper in terms of pure fund fees: about 0.03% per year. Physician on FIRE+2Syfe+2 CSPX is a bit more expensive at around 0.07%. Physician on FIRE+2Syfe+2 Reinvestment / Compounding CSPX accumulating means dividends are re-invested automatically inside the fund (you don’t need to manually reinvest, and you don’t get taxed on dividends until you sell, depending on local rules). This helps with compounding. StashAway Singapore+1 VOO distributes dividends. You could reinvest, but there are frictions (transaction costs, FX, etc.). Currency risk / exchange rates Both ETFs are exposed to USD since S&P 500 is US equities. If SGD/USD moves, that affects your returns when converted back (if you're measuring in SGD). Fixed deposits in SGD avoid USD risk if you're keeping your funds in SGD. Risk & volatility CSPX / VOO (equities) have higher potential returns over long time periods, but also much more volatility. You could see negative returns in some years, and downside risk is non-trivial. Fixed deposits are far more stable. Principal is safe (if deposit insurance limits etc.), interest is known in advance. Less upside, especially in periods of low interest. Return expectations Historically, U.S. equities (S&P 500) have given long-term annualised returns (including price growth + dividends) in the ballpark of ~7-10% (varies a lot depending on period) in USD. Fixed deposit rates in Singapore have been rising recently, but are much lower, e.g. some banks quoting ~2.65-3.00% for 12-15 month tenors. The Smart Investor+1 Liquidity & flexibility ETFs are reasonably liquid; you can buy/sell during market hours, though costs (brokerage, FX, bid-ask spreads) need consideration. Fixed deposits usually lock your money up for a term; early withdrawal often has penalties or loss of interest. Other considerations Estate tax: U.S. estate tax rules sometimes apply for non-U.S. residents holding U.S.-domiciled assets (depending on value). Some Singapore investors prefer UCITS-domiciled funds to avoid U.S. estate tax exposure. StashAway Singapore+1 Regulatory or currency policy changes could affect both fixed deposits (interest rates, inflation) and ETFs (tax, market risk, regulatory risks). Fixed Deposits in Singapore: Current situation (2025) Fixed deposit rates have been rising, but still much lower than typical equity return expectations. For example, many banks offer ~2.65% to 3.00% p.a. for 12-15 month tenors. The Smart Investor Some instruments like Singapore Savings Bonds (SSBs) offer somewhat comparable yields with government guarantee and flexibility. The Smart Investor+1 What makes sense depends on your goals To decide which is better, or how to combine them, consider: Time horizon: The longer you can stay invested, the more equities (CSPX/VOO) make sense, because volatility smooths out over time. If you need the money soon (1-3 years), fixed deposits may be safer. Risk tolerance: How much fluctuation in value can you tolerate? If large drops in portfolio value would stress you, fixed deposits or a mix of safer assets might be better. Currency exposure: If most of your expenses are in SGD, and if you're worried USD will weaken, that adds risk for ETFs denominated in USD. Tax / cost efficiency: Using accumulating ETFs like CSPX helps reduce friction, reduce tax drag. If you are investing via platforms with high fees / FX costs, that eats into returns. Need for income vs growth: If you need steady cash flow (income), a distributing ETF or dividend-paying stocks might be needed; fixed deposits give fixed interest. But if growth / compounding is the goal, accumulating equity ETFs often beat fixed deposits over long term. Rough comparison with example (numbers) Here’s a simplified hypothetical: You invest SGD 10,000 for 10 years. Scenario Annual return (nominal) After fees / tax drag Value after 10 years* CSPX (say “net” 7%) ~7% p.a. modest fees & lower withholding tax ~ SGD 19,672 VOO (say “net” 6.5%) ~6.5% p.a. higher withholding tax on dividends, distributing etc. ~ SGD 18,182 Fixed deposit (say 3%) 3% p.a. very low fees / taxes ~ SGD 13,439 *These ignore currency fluctuations, inflation, and assume reinvestment etc. So over 10 years, the equity ETFs can greatly outperform fixed deposits—if markets perform decently. But also, in bad periods, ETFs could underperform (or even lose money). Bottom line If you have a long timeframe, can tolerate risk, and want growth: CSPX is likely more efficient than VOO for Singapore investors (due to tax, accumulating structure, etc.). If you want income regularly and are okay with dividend payouts + the tax drag, VOO is fine, but likely slightly less efficient. If safety, certainty, and capital preservation are your priority, or if you will need the money soon, fixed deposits are more suitable—but you trade off much lower returns. If you like, I can model for your personal case (e.g. how much you plan to put in, over how many years, your risk tolerance) and show projected returns of each. Do you want me to do that?