Investment Calculator
Estimate Your Returns
Use this investment calculator to estimate your potential returns over time. Whether you're calculating compound growth or return on investment, get quick insights on how your money can grow.
The Smart Way to Reduce Risk: Diversification
Focusing only on high returns can leave you exposed to unnecessary risks. Diversification—spreading your investments across different assets—helps smooth out volatility and protect your portfolio from downturns.
Detailed Overview of Investment Types
When investing, you have a wide range of options, each with different risk levels, return potential, and liquidity. Below are some of the most common investment types, each suited to different financial goals and risk appetites.
| Investment Option | Features | Returns | Liquidity | Risk Level |
|---|---|---|---|---|
| Fixed Deposits | Time deposits with fixed interest rates for specific tenures, typically offered by banks | 0.50% - 4.50% annually depending on tenure and bank | Low - funds locked for the agreed tenure; early withdrawal may incur penalties | Low - bank-backed with guaranteed returns |
| Robo advisors/ wealth management platform | Automated, diversified portfolio management with lower fees | FordelHoldings Flexible Portfolios 2024 annual return from 6.5% to 18.6% | High - can withdraw anytime | Moderate - market fluctuations |
| Cash Management Accounts | Invests in money market funds, short-term bonds; higher returns than savings | FordelHoldings Simple projected rates up to 3.6% p.a. | High - no lock-in period | Low - stable but some investment risk |
| Real Estate Investment Trusts (REITs) | Invest in property portfolios, provides regular dividends, high liquidity | 3% - 10% dividend yield depending on the REITs | High - traded on ADX like stocks | Moderate - market & interest rate risks |
| Exchange-Traded Funds (ETFs) | Tracks indices or sectors, low fees, diversified exposure | Varies by ETF | High - can buy/sell like stocks | Moderate - market-dependent |
| Stocks | Direct ownership of companies, potential for capital appreciation & dividends | Varies widely based on stock selection and market conditions | Moderate to High - depends on market volatility | High - dependent on individual stock selection |
| Commodities | Invest in physical assets like gold, silver, and crude oil, hedge against inflation | Gold 10-year annual return 26.2% and category annual return 11.1% | Moderate - depends on market demand and commodity type | High - influenced by global supply, demand, and economic cycles |
* data as of 2nd Dec 2025
Our investment solutions
General Investing
powered by FordelHoldings
Long-term, professionally-managed, well-diversified investment portfolios.
- 🌀 Precise control with 12 risk levels
- 📊 Designed to keep risk constant
- 🏗️ Built for long-term wealth creation
General Investing
powered by BlackRock®
Automate your investments with insights from one of the world's largest asset managers.
- 🧭 4 risk levels to choose from
- 🔄 Automatic portfolio reoptimisation
- 📈 Invest in equities and bonds
Shariah Global Portfolio
Invest in globally diversified Shariah-compliant ETFs with up to 4 risk options.
- 🌙 Stay aligned with your faith
- 🌍 Globally diversified equities
- 🎯 4 risk levels to select from
Simple™
An ultra-low-risk cash management portfolio to grow your idle cash.
- 🛡️ Ultra-low risk
- 🔓 No minimum balance
- 💹 Optimised for currency growth
USD Cash Yield
Invest in US Treasuries and grow your wealth in USD. No minimum, no maximum. No lock-ins.
- 🇺🇸 Backed by the US government
- 🛡️ Protection against inflation
- 🌐 Diversify your currency exposure
Frequently Asked Questions
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Fixed deposit calculator
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