What whizzard is doing is called a covered call. Useful in sideways market like sg but not for bullish growth stock. I have some sg stocks, so I will check the yield on such calls. I would have thought it will be very low....

The other yield enhancer I do is to sell puts. Essentially it is an eln or FCN. Pls just search it and read to learn what it is. I have done about >10% last 2 years on it using about 600k usd. Purely speculative. Got striked about 5 times but since us market is bullish... Make more.

Whizzard, u may want to option your own accounts to trade options if usd market. The pb I use option trade comms are very high. I get 1% more yield doing my own trades.

For 250k, don't buy bonds. Buy funds so that you diversify. Eg 100k bond funds, 150k equity funds with various themes u believe in like china, Europe, tech etc.

Buying 1 bond is too much risk.