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Invest in low cost diversified ETFs

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Robo Rumble: Syfe or Stashaway? Which One is Better For Your Investment Needs?

You probably have a bias in your head on which one is better.. But is it really better?

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5 more comments

Casey
Casey

01 Nov 2020

Oh I actually follow your blog @ investingbeanstalk! You talked about Equity100 in one of your articles before. Amazing stuff man, keep it up :D
Lin Yun Heng
Lin Yun Heng

01 Nov 2020

@whenyoustartwork nice! great to hear that and I hope you enjoyed my content so far :) Let me know if there's any topic you would like me to talk about and I'll be glad to share more! Have a great week ahead ^^
Post

SeedlySOS

Savings

Investments

StashAway

Robo-Advisors

With banks reducing their savings account’s interest rate, I wonder if it’s wise to put my money in a robo advisor instead?
Hi there, Your stashaway account forms a platform for wealth accumulation but do note that investments are never guaranteed so you shouldn't be putting as large chunk of what you have on equities/investment since there is a systemic risk involved. Stashaway Simple have also recently revised their returns rate so thats something for you to consider. So you may want to opt for something thats guaranteed but offers a higher interest rate than the banks now. You can potentially look at savings plans that guarantees your capital, allows for partial withdrawals and offers non-guaranteed bonuses. Financial planning is an integral part of life. You can reach me here to find out more.

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Robo-Advisors

Investments

StashAway

MoneyOwl

Is it preferred to have different robo-advisors or concentrate on one given that there are charges for management and using the platforms. I am currently using StashAway and MoneyOwl?
So long they fit ur goals and risk profiles, pick the one or similar ones and zoom straight into 1.... but if they could not achieve what u wish to achieve, then u have to spread them out...eg stashaway does not have a pure 100% equity or 100% reits and also.......Still i believe in "Be focused" opt for syfe's Reits dividends to be returned to u, U must place a total (be it in Reits or not) of 20k with Syfe then that option of not reinvesting is available.

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Investments

CPF

Endowus

STI ETF

Robo-Advisors

40 yrs old single, saving for retirement. I've only invested in STI ETF using OA. Thinking of selling it soon and switch my OA to Endowus instead, is that a good idea and which fund to buy first?
Anything is better than STI ETF. It depend on your risk appetite: x%equity x%bond Also thing to consider, your current $$$. (Assume retire at 65?) 25 years in the future with the type of portfolio u select (e.g. 60%E, 40%B) will the projected amount sufficient for your retirement? If not u need to take up more risk. OPINON. If i going long term, i will be aggressive 100%E

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Stocks Investing

Investments

Savings

Robo-Advisors

Hello! May I ask how does currency affect profit and loss?
Yeah FX risk is a factor to consider when purchasing foreign equity and this directly impacts profit and loss. In your case for example, if you bought a stock at $73 USD / $100 SGD, and sold it at breakeven $73 USD, it would return ~$97.3SGD. And that's discounting any fx cost that you've incurred changing SGD to USD and back. These are some of the inherent risk that you'll take, so it's important to factor this in when making your decisions. That said, if you believe that USD will appreciate, then the reverse is true - you could technically gain even if the equity remains flat.

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Investments

Stocks Investing

Robo-Advisors

REITs

Are there any investments (MAS regulated preferably) with projected returns >10% pa (~12-15% pa)?
Hi Woo, Besides what has been mentioned already, have you looked at leveraging to boost your returns? If you are already making, say, 7% on your stocks, and you can do this consistently with the proper risk management in place , leveraging can increase the return to the level you desire. It's very important to have proper risk management because the wrong movement of the market can lead to margin calls and more than wipe you out.

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Stocks Investing

Investments

Robo-Advisors

Passive Income

What is stopping people from directly investing into the ETFs that the robos invest, instead of investing with the robos?
I think there are a few reasons. Convenience Robos like Autowealth automatically re-balances your portfolio allocation to ensure that the % of equities and bonds remain consistent with your risk profile. This saves time for the investors and most importantly, investors do not need to go through the emotional pain of having to re-balance the portfolio when its in the red. This potentially helps reduce the likelihood panic-buying or selling when our portfolio is managed by robos. We have the option of 'switching-off' and reviewing the portfolio only once in a while, since we don't need to worry ourselves when the stock market is rallying and a pullback is imminent - our portfolios will be rebalanced automatically. Cost While we can certainly invest in the ETFs directly, it may not always be cost effective to do so. Some brokerages still do not offer $0 commissions. Hence DCA-ing monthly will cost more since we incur a flat fee. This is especially expensive for investors who do not have a large capital to invest with. Hence. for investors who want to DCA but have a smaller capital to start with, some roboadvisors are more cost effective.

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Investments

Savings

Robo-Advisors

Syfe

REITs

Endowment Plans

I intend to invest $6-10k/yr in syfe, minimally 10 yrs. I have a $6k/yr endowment plan for 20 years, and do not intend to surrender it. How should I split my investment portfolio in syfe, and why?
Daniel Kok

Daniel Kok

Level 6. Master

Answered on 11 Sep 2020

Hey there! similary to your situation, I'm currently investing in both REITS and equity100 too! I started off at the age of 27 with an endowment plan as well. For SYFE's portfolio, I did 50/50 as well on REITS and equity100. I started off with REITS because I'm attracted to the dividend income and it felt more "safe". but I decided to diversity into the US market as well because I feel that at my current age I'm able to take the risk. :D

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Syfe

Robo-Advisors

Investments

Online Brokerages

I am about $700 into Global ARI portfolio and thinking to change to Equity100 because I don't like the bonds option. Should I be doing that?
Syfe

Syfe

Answered 1d ago

Hey there, changing to Equity100 will depend on your risk appetite. If you are comfortable with a 100% exposure to global equities, and are comfortable with short-term fluctuations in equity prices, you may consider Equity100 for higher growth. The Syfe ARI portfolio is designed to be a "set-and-forget" portfolio consisting of a diversified mix of equities, bonds and gold. In fact, you can think of Syfe ARI as your core portfolio, and Equity100 as your satellite portfolio. Read more about it here or have a chat with our wealth experts to find out more about this strategy. Hope this helps!

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Investments

Syfe

Robo-Advisors

Online Brokerages

Hi, I am someone thinking of investing DCA in Syfe portfolios. As a student with no income is it wise to deposit small amounts (e.g.$10) monthly?
Sorry to burst your bubble, but to get good gains, you need capital. $10 won't be able to get much growth, probably a few dollars worth of gains. but of course, it's better than not investing at all. if i were u, i will accumulate more cash first. don't forget once u start with robo, u have to pay for fees

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