3 Hidden Gem Dividend Stocks to Fund Your Retirement

The Smart Investor

Jun 23

Retirement income should not depend on hope. It should depend on cash. A dividend looks safe right up until the cash that pays for it dries up. That is why the most useful question a retiree can ...

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One of the best stock trading platforms in Singapore.","ogImage":"https://c1.itigergrowtha.com/portal5/static/media/og-logo.be62fbe1.png","ogUrl":"https://www.itiger.com/news/2645889178"},"companyName":"Tiger Brokers"},"pageData":{"isMobile":false,"isTiger":false,"isTTM":true,"region":"SGP","license":"TBSG","edition":"fundamental"},"isCrawlerRequest":true,"__swrFallback__":{"@#url:\"https://stock-news.skytigris.cn/v3/news\",params:#id:\"2645889178\",edition:\"fundamental\",auth_exemption:1,,,undefined,":{"share":"https://ttm.financial/m/news/2645889178?lang=en_US&edition=fundamental","thumbnail":"https://thesmartinvestor.com.sg/wp-content/uploads/2024/06/HRnet2-300x200.png","is_english":true,"pubTime":"2026-06-23 14:00","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2645889178","market":"sg","top_or_hot":-1,"title":"3 Hidden Gem Dividend Stocks to Fund Your Retirement","media":"The Smart Investor","content":"<div>\n<p>Retirement income should not depend on hope. It should depend on cash.\n\nA dividend looks safe right up until the cash that pays for it dries up. \n\nThat is why the most useful question a retiree can ...</p>\n\n<a href=\"https://thesmartinvestor.com.sg/3-hidden-gem-dividend-stocks-to-fund-your-retirement/\">Source Link</a>\n\n</div>\n","source":"thesmartinvestor_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>3 Hidden Gem Dividend Stocks to Fund Your Retirement</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n3 Hidden Gem Dividend Stocks to Fund Your Retirement\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-06-23 14:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://thesmartinvestor.com.sg/3-hidden-gem-dividend-stocks-to-fund-your-retirement/><strong>The Smart Investor</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Retirement income should not depend on hope. It should depend on cash.\n\nA dividend looks safe right up until the cash that pays for it dries up. \n\nThat is why the most useful question a retiree can ...</p>\n\n<a href=\"https://thesmartinvestor.com.sg/3-hidden-gem-dividend-stocks-to-fund-your-retirement/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4588","symbol_name":"碎股","start_time":0,"source_url":"https://thesmartinvestor.com.sg/3-hidden-gem-dividend-stocks-to-fund-your-retirement/","article_id":"2645889178","we_media_id":null,"thumbnails":["https://thesmartinvestor.com.sg/wp-content/uploads/2024/06/HRnet2-300x200.png"],"rights":{"source":"thesmartinvestor_highlight","url":"https://thesmartinvestor.com.sg/3-hidden-gem-dividend-stocks-to-fund-your-retirement/","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2645889178","pubTimestamp":1782194400,"columns":[],"sourceInfo":{"source_id":"thesmartinvestor_highlight","name":"The Smart Investor"},"weMediaInfo":null,"summary":"A high yield means nothing if the cash behind it runs dry. Three lesser-known SGX names show what dividend durability actually looks like for a retirement portfolio.","collect":0,"end_time":0,"defaultTopTitle":"thesmartinvestor.com.sg","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4588":"碎股","VIG":"股利增长指数ETF-Vanguard","BK6099":"办公房地产投资信托","BK4585":"ETF&股票定投概念","BK6046":"人力资源与就业服务","BK6512":"房地产股","WJP.SI":"维康","BK6520":"工商业服务概念","CHZ.SI":"和乐集团有限公司","MXNU.SI":"EliteUKREIT GBP","BK6054":"综合支持服务","BK6132":"办公室房地产信托"},"translate_title":"3只隐藏的创业板股息股票为您的退休提供资金","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"MXNU.SI":1,"CHZ.SI":1,"VIG":0.67,"WJP.SI":1},"content_text":"Retirement income should not depend on hope. It should depend on cash.\n\nA dividend looks safe right up until the cash that pays for it dries up. \n\nThat is why the most useful question a retiree can ask of any income stock is not “what’s the yield” but “where does the money come from, and will it keep coming”. \n\nThree lesser-known names on the Singapore Exchange answer that question well, each in its own way.\n\nHRnetGroup (SGX: CHZ)\nHRnetGroup is a recruitment and staffing firm operating across Asian cities, with brands such as HRnetOne, PeopleSearch and RecruitFirst. \n\nThe business runs on two engines. \n\nFlexible Staffing supplies contract and temporary workers and contributed 89.7% of revenue. \n\nProfessional Recruitment handles permanent placements and executive search, and though it brought in just 9.6% of revenue, it delivered 45.2% of gross profit.\n\nFor the full year ended 31 December 2025, revenue rose 3.0% year on year (YoY) to S$584.0 million. \n\nAverage monthly contractors grew 5.6% to 16,421, and placement volumes climbed 4.6% to 4,766. Profit attributable to owners came in 15.0% higher at S$51.2 million.\n\nSome of that profit growth came from outside the core business. \n\nA S$6.9 million jump in other income, helped by fair value gains on financial assets and gold, flattered the bottom line alongside tight cost control. \n\nThe dividend rests on firmer ground. \n\nThe group generated free cash flow of S$52.0 million, up 5.3% YoY, and finished the year with S$262.9 million in cash and no debt. \n\nIt raised its FY2025 dividend to S$0.042, up 5.0% from S$0.040 a year earlier.\n\nA rising payout funded by genuine cash, with no debt against it. \n\nThat is what dividend durability looks like.\n\nVICOM (SGX: WJP)\nVICOM, a subsidiary of ComfortDelGro Corporation Ltd (SGX: C51), is the leading provider of vehicle testing and inspection services in Singapore, with a second arm covering mechanical, civil engineering and non-destructive testing. \n\nThe first quarter of 2026 was strong. \n\nRevenue rose 11.5% YoY to S$37.2 million, while operating profit surged 33.7% to S$12.0 million. \n\nOperating margin widened to 32.4% from 27.0% a year ago. \n\nNet profit attributable to owners rose 33.6% to S$10.0 million. \n\nDemand held up across core services, with extra help from the ERP 2.0 On-Board Unit installation project.\n\nHere is the tension. \n\nFree cash flow fell to S$2.2 million from S$4.5 million a year ago, weighed down by S$11.6 million of capital expenditure on the new Jalan Papan integrated testing centre. \n\nThat is investment, not weakness, but it does compress the cash available today. \n\nThe balance sheet absorbs it comfortably: S$59.9 million in cash and no debt. \n\nNo dividend was declared for the quarter, in line with VICOM’s practice of paying at the half-year and full-year mark.\n\nThe risk for income investors sits in the outlook. \n\n\nERP 2.0 installations are slowing as the rollout nears completion, and Oil & Gas testing demand was knocked by the Middle East conflict in March. \n\nThe capacity being built now is meant to answer that.\n\nElite UK REIT (SGX: MXNU)\nElite UK REIT owns 147 commercial assets across the UK, most of them leased to the UK government on triple net terms. \n\nThat tenant profile is the appeal: government-backed rent tends to keep paying through the economic cycle. \n\nPortfolio value stood at £460.2 million as at 31 March 2026.\n\nFor the first quarter of 2026, revenue rose 1.2% YoY to £9.4 million. \n\nNet property income (NPI) needs care here. On a reported basis it fell 12.3% to £9.1 million, but that drop reflects one-off dilapidation settlements and a lease termination premium that landed in 1Q2025 and did not repeat. \n\nStrip those out, and adjusted NPI rose 4.0%. \n\nDistributable income, the number closest to the dividend, climbed 9.8% to £5.3 million, helped by interest savings and lower vacancy costs. \n\nAs the REIT distributes twice a year, no DPU was declared this quarter.\n\nThe income foundation strengthened on several fronts. \n\nOccupancy edged up to 99.9%. New inflation-linked lease regears with the Department for Work and Pensions stretched the weighted average lease expiry from 2.2 years to 6.9 years. Net gearing fell to 37.4%, below 40% for the first time since 2023.\n\nGearing in the high thirties still warrants attention, and the income is earned in pounds, not Singapore dollars. \n\nBut longer leases, near-full occupancy and a falling debt load all point the same way.\n\nGet Smart: Cash is the test that yield cannot fake\nFree cash flow is the lifeblood of dividends. \n\nA high yield means little if the underlying business cannot generate the cash to back it. \n\nHRnetGroup pays from a pile of cash and no debt. \n\nVICOM is spending today to protect the cash of tomorrow. \n\nElite UK REIT collects rent backed by the UK government and is paying down its borrowings.\n\nFor a Singapore retiree weighing income options, the CPF Ordinary Account pays a guaranteed 2.5% with no capital risk. \n\nAny dividend stock has to clear that bar with enough margin to justify the risk that comes with it. \n\nThe way to judge that margin is not the headline yield. It is the cash behind it.\n\nThe most reliable retirement income comes from businesses that can fund their payouts without strain. \n\nFind those, hold them, and let the cash do the work.\n\nWhile your friends debate which tech stock to buy next, money is quietly flowing into these 5 Singapore companies you see every day. They are proven to have steady dividends and strong balance sheets. Our FREE report shows you exactly which ones and why they’re safer than flashy darlings everyone’s chasing. Download your free report now.\n\nFollow us on Facebook, Instagram and Telegram for the latest investing news and analyses! \n\nDisclosure: Calvina L. does not own shares of any companies mentioned. Chin Hui Leong contributed to the article and owns shares of HRnetGroup and VICOM.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"}}}