Don't wait to invest. Invest and wait. Buy first, if drop buy more, if rise buy as normal. My Investment strategy very simple, just buy!

Hi Anon, broadly in finance 101, it's a function of: ability & willingness to take risk, liquidity needs, time horizon. Given the short span of time (3yrs), purpose of funds is (at least for me) the very important need to fund education expenses, it may be wise to go for a high-yielding savings account instead. Even an ultra-defensive bond portfolio is subject to market risk (e.g. interest rate risk) and last thing you want is to erode principal and face a shortfall paying off your tuition bill.

Lion vanguard funds, US500 and Global

Hey Anon, apparently Endowus has released their mobile application on both Android and iOS. Didn't know until my friend told me about it haha The mobile app is super sleek, clean, and informative, just like their web interface. Playstore: https://play.google.com/store/apps/details?id=com.endowus.mobileapp AppStore: https://apps.apple.com/sg/app/endowus-invest-cpf-srs-cash/id1531067679

Staying true to their belief of not timing the market.

As an investor, I look primarily at the returns on investment the company gives. If it drops, I may consider changing. The things you mentioned would affect a smaller firm more.

HI Anon, Dividend withhold tax applies to underlying investments that gives out dividend/income. In the case of investing through US ETFs, because the ETFs are obliged to pay out distributions due to the US tax authorities , and as a result be taxed at the fund level (between the US domiciled ETF to Singapore entity) at 30%. Assuming a 100% equity portfolio, with a 2% distribution, for a 30% DWT regime the dividend withholding tax will be at 0.6%. This will vary across different risk portfolios and geographical allocation.

Hi Anon, Hope you have signed up to our mailing list, or follows us on youtube. It will come soon enough!

Hey there! The best time really, is now. And robos are great for newer investors as well to get a gauge of market movement, experiencing paper profit/loss on a smaller scale compared to buying mere stocks (though it will be good to venture into that at some point!). Robos offer an option for diversification of equities so its just a matter of which region of equities are they fully focused on and what are you looking at. There may be certain portfolios that are more heavily weighted on certain regions eg. US etc. Also, some portfolios go 100% equities, ie. you are fully exposed to the systemic risk of the market. You may want to consider diversifying your asset classes depending on your risk appetite through something that's fixed-income related. What has also helped me lots is learning to read up lots. Finding out geopolitical happenings,understanding market movement and how current events may correlate with that, understanding businesses and financial fundamentals.. all this will be great for embarking on your investment journey. All the best! Financial planning is an integral part of life. You can reach me here to find out more.