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How much returns are you earning from your robo-advisor portfolios?
I'm gonna go first! 😛 Context: I'm a fresh grad with little capital, beginner investor. 1. Robo portfolio: Syfe Equity100 - Returns: +8.37% - Duration: 4 months (Sep 2020 to Jan 2021) - Why: Looking for high growth and this portfolio is based solely on Equities. 2. Robo portfolio: Syfe REITs+ - Returns: +10.63% - Duration: 4 months (Sep 2020 to Jan 2021) - Why: Thought that with Phase 3 in the works, the REITs in Singapore should have decent growth prospects. My capital is largely focused on Syfe Equity100 and not on REITs+, still mulling on whether I should shift over my REITs+ over to Equity100. Also contemplating on whether I should shift over to investing directing in ETFs for the longer term, but only when I have sufficient capital built up!

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Would it be advisable to maximise StashAway Risk Index to 36% risk index for better returns in the long run?
Hello! If you're DCA-ing into VOO and ARKK, the equity exposure of your portfolio is pretty high especially if you switch to Stashaway's 36% risk index. A more balanced allocation could be the 30% risk index so you have a slightly higher bond allocation to act as a buffer in case of any market corrections. Returns are important, but peace of mind is equally so :)

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Which US and UK ETFs should I consider for either dividends or growth?
My top picks are QQQ or QQQJ. I personally think QQQJ is one to watch for even longer term growth. At some point, FAANG stocks will stop leading the market and a new batch of companies will step up. QQQJ offers exposure to these potential leaders of the next decade. For dividends, my preference is still with Singapore Reits. Check out Syfe REIT+ for an alternative to REIT ETFs!

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Which S&P500 ETF is recommended for beginners or should I put the funds into Syfe Equity100?
If you want to DCA into ETFs, one strategy to consider is purchasing the VOO (Vanguard S&P 500 ETF) through FSMOne's ETF RSP. The minimum commision charge for each transaction is USD1. Personally, I'm inclined to go with Equity100. You get "more bang for your buck" since the portfolio holds 10+ ETFs including CSPX and QQQ. All dividends are also reinvested automatically for free. With Equity100, you can DCA any amount at any time you without incurring any commision changes. The only fee payable is 0.65% of your total investment, so do the math to see which is more cost effective.

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What are the pros and cons of the pruwealth insurance saving plan?
Hi Anonymous, There are two versions of PruWealth; PruWealth (1) and PruWealth II (2). From my understanding, only PruWealth (2) is available to buy. The only way I can think of to buy PruWealth (1) is to buy a 2nd-hand one like the one we have here, details here. Brochure: - PruWealth (1) - PruWealth (2) Whether it's worth buying PruWealth, depends on whether if fits into your financial objectives. Also, before deciding on buying PruWealth, ensure that you read and understand the following statement, which can be found in the proposal: Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. Do speak with your financial advisor if PruWealth fits into your financial objectives. If you need a financial advisor to refer, do contact us via our website or our Facebook page as we have a network of financial advisors to refer. Disclaimer: PolicyWoke is a 2nd-hand endowment policies broker

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Why do people buy US ETFs instead of Irish domiciled ETFs that track same market despite the big difference in dividend tax (30% vs 15% respectively) ? e.g VOO (US) vs CSPX (LSE)?
Some possible reasons could be: 1. More liquidity in US ETFs. Generally, stock on US exchanges are more liquid than their European counterparts 2. Some brokers don't have access to UK markets (TD, Tiger, FSMOne) 3. Some people don't pay too much heed to dividends since the dividends paid on US ETFs are relatively low anyways

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NSF seeking advice on how to proceed with my finances?
First of all, good job on getting started this early! I wish I had the foresight like you to do so! Secondly, that's a pretty nice allocation that you've got so far tbh. Quite a balanced growth approach + emergency funds taken care of. I think the 50/50 split is ok. A good balance between US and Asia-ish stocks. Regarding DCA vs Lump Sum, Lump sum does beat DCA over longer periods most of the time, and the win rate increases with longer time periods. With that said, I do understand that DCA is often easier on the heart because as investors we always fear buying the top haha. Do watch for high commissions incurred if you choose to DCA over Lump Sum investing though. If your broker is low cost tho, then you're good to go! All in all, good work so far, just gotta keep it up!

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Interactive Broker vs FSMOne for newbie? I plan to DCA once or twice a month for US ETF, and need an easy-to-learn interface. Which do you recommend?
FSMOne definitely has an easier to learn interface compared to Interactive Brokers. Since you're not actively trading, Interactive Brokers' inactivity charge would also be a downside for you. To add on, I think one underrated feature of FSMOne is the ability to transfer out positions without any charge to another broker. This allows FSMOne users to change brokers without any cost (although it does take quite a bit of time to get the positions through). Other popular brokers such as SAXO, Standard Chartered and Tiger all have exit fees that range from USD 39 per counter to USD 100 per counter!

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Will the Stock Market Crash in 2021?! (FINANCIAL HORSE)

Daily trading volume growth has soared this year, surpassing even the dot-com levels of growth.

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Hon-Kit Chang

Hon-Kit Chang

3w ago

Rather than diversification which eats away your profits, I would rather pick a few quality stocks and concentrate on them for long term growth. ALL the biggest winners in the stock market from Jesse Livermore to Warren Buffett to William O'Neill to Cathie Wood have concentrated on several key positions and sat on them. You don't go broke by buying the S&P 500 index but there ain't no way you are going to be a multi millionaire either.
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Does Tiger Brokers or Interactive Brokers allow to transfer from TransferWise USD into their accounts so that I won't incur conversion fees?
Based on my understanding, Tiger Broker does not allow TransferWise transfer. But then you can open a "DBS My Account" which is a multi currency account with no fall below fee. Afterwhich you transfer the usd from transferwise into your dbs account and transfer it into Tiger Broker for trading. This is what I did when I have leftover USD currency from my FSMOne account when I switch over to Tiger Broker for cheaper and better trading platform. If you are interested in Tiger Broker, can drop by my blog to see the steps for account opening. I have also include how to transfer money into Tiger Broker on part 2 of the post (but since you are depositing USD, do remember to select deposit with USD)! https://investorean.blogspot.com/2020/12/how-to-open-account-with-tiger-broker.html?m=1

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