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Robo-Advisors

Invest in low cost diversified ETFs

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Robo-Advisors

Investments

Stocks Discussion

Won't humans be disadvantaged with the rise of machines possessing the capablities of quant/algorithmic trading ?
Leonard Tan
Leonard Tan
Level 6. Master
Answered on 04 Mar 2019
I think this recent article shocked many . One would think that machines following emotionless algorithms would be able to outperform human judgement with emotions mixed within. https://www.bloomberg.com/news/articles/2019-03-01/one-of-wall-street-s-most-popular-trading-strategies-is-now-failing I think this really goes against the tide of what algo trading have been pitching and really shows that Machines at least at this moment- might not posess the capabilities or dataset to consistently outperform humans in making decisions.

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Investments

CPF IS

CPF SA

Supplementary Retirement Scheme (SRS)

Stocks Discussion

Online Brokerages

Robo-Advisors

Do you invest with CPF and SRS? Are they different account? Any difference with this two? What do you invest them in? Long term horizon?
Kenny Pang
Kenny Pang
Level 4. Prodigy
Answered 5h ago
Check out these two articles, should answer all your questions above CPFIS - https://blog.seedly.sg/cpf-investment-scheme-cpfis-oa-sa SRS - https://blog.seedly.sg/supplementary-retirement-scheme-srs-tax-relief-promotions-investment-options-comparison I used to pick individual (yes, there are restrictions on what products you can buy) REITs for CPFIS but have since gone into Robos for both as they give me exposure to US markets. Answer to your last question, it's the talked about 1M65/4M65. Transferring from OA and using SA guarantees you compounding interest of 4%. But this is irreversible and you should consider other factors especially if you need to use your OA for housing down payment in the next couple of years for instance.

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Cryptocurrency

Investments

Syfe

Online Brokerages

Robo-Advisors

Should I try crypto or Syfe next?
Kenny Pang
Kenny Pang
Level 4. Prodigy
Answered 16h ago
Ask yourself, what are you financial goals? (why do you want to go into crypto? why do you want to go into Syfe?) Are you looking for a building your investments for financial freedom? Or do you think crypto can "get you rich" fast?

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Syfe

Robo-Advisors

Online Brokerages

Investments

Is there a need to have a high lump sum when setting up an account with Syfe, does it make a big difference as opposed to having a lower lump sum and an average of maybe $200 monthly?
Gordon Lim
Gordon Lim
Level 5. Genius
Answered 1d ago
Up to preference. If you wondering about the part when you set the portfolio and they ask you, its actually just for your own reference. In the end is OTOT deposit de. And whatever you deposit gets invested straight away. Cost wise. You might say DCA is cheaper? Since they charge fees by month so if you DCA your NAV starts small and grow just as your fees will. Then lump size you get the bigger fee starting the first month.

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Endowus

Investments

Robo-Advisors

Endowus - commodities or real estate in portfolio?
Endowus
Endowus
Updated 4d ago
For commodities, we are of the view that it is more used as a short term exposure for its low/negative correlation to traditional asset classes. The long term returns for a passive buy and hold strategy for commodities is low. As an advisory platform that encourages long term passive allocation, we do not prioritise commodities exposure. For real estate we do have exposure through real estate companies that form part of the funds that we own. Hope this answers your question! Sheng Shi

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Insurance

Investments

Robo-Advisors

A financial advisor offered a investment plan which has 66% welcome bonus on my initial investment and covers me 101% of the amount if I pass away.. is this worth it?
D
Deedee
Level 5. Genius
Answered 1d ago
To be very honest, I am tempted too, even up till now. There are plans with up to 200% bonus (highest I've seen). Human connection > robo anytime. Somemore "Free" money leh. Boost your gains if markets going up or cushions your losses if the reverse happens. In terms of fees, are you sure the only fees you are paying is this 2.5%? Whatever funds you choose to invest in, they have their own fees which anyone who buys into will have to pay for. So on this, you are already losing out to those who buy directly through their brokers. Did you check for Any other admin/ maintenance fee? You also need to be aware that these fees also compounds. Any withdrawal/ top up fees? Premium holiday will still deduct fees from your accumulated units to maintain your account. However, if you really think about it, when you invest, the plan is to buy into something (stocks, bonds, ETFs etc), hold long term for compound interest to work. For ILPs, the break even year is ~year 15, and that's on assumption an 8% p.a. returns on your investments, after accounting for all the fees, you haven't even profit! If you want to profit, you need to hold onto your plan even longer. By then, will your agent still be around to continue servicing you, to advise to switch to another fund, if required? You still need to do your own research. After spending time looking at the suggested options from your advisor, Are you just going to agree with your agent? If you lose money, are you going to then blame your agent or take accountability for your choice? Remember, past performance do not guarantee future performance. Markets move up and down. Fees are guaranteed whether or not your investments gain or lose. If your units are insufficient to pay for these fees, your account will automatically close and you essentially have lost all your investments (I think. Pls check) Actually what really stopped me from buying the ILP from my agent is because one only contacts me when there are promos for insurance to buy but did not really explain in depth the policies hence I always end up canceling it but I can't lose contact because my health insurance is there lol. My other agent actually told me there are cheaper options out there so ILP is really for those who are able to service and hold onto the plan long term but likewise, she is unable to guarantee returns although she kept saying is possible. But anything is possible right? :) So I looked into robos as their fees are smaller, smaller minimum amount, and no lock in period. This gives me time to do my research and eventually deciding on passively investing in ETFs aside from my robos (but disclaimer, I haven't started on ETFs yet haha) Anyway recently there are other questions by others in Seedly regarding ILPs. Do read through their replies (from agents themselves and other folks like me :)) before committing to this ILP. All the best in your decision!

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StashAway

Robo-Advisors

Online Brokerages

Investments

Anyone willing to share their Stashaway portfolio and the reasons behind them? How long do you plan to leave your money in Stashaway?
Yang Teng
Yang Teng
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 1d ago
I am planning to shift to lower-cost roboadvisors such as Autowealth (0.5%+$18 vs 0.8%) or Syfe (0.6% vs 0.8%). In my response here: https://seedly.sg/questions/why-stashaway-when-it-is-sooo-expensive, I outlined possible avenues you can utilize for investing depending on your investment amount and investment knowledge.

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Investments

Robo-Advisors

AutoWealth

What are the list of funds AutoWealth invest in?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Updated 1d ago
Https://www.autowealth.sg/clientpdf/nvjxjcsdjaosj284972347_AWfactSheet.pdf

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Investments

Savings

Robo-Advisors

Syfe

POSB

Regular Shares Savings Plans (RSS/RSP)

I have about $300 to invest each month. Should I place it with posb invest saver or roboadvisors such as Syfe for long term investment?
Gideon Ng
Gideon Ng, Blogger at FI Pharmacist
Level 6. Master
Answered 2d ago
Hi Anon, POSB Invest Saver allows you to invest in 4 ETFs and lots of other funds. For robo-advisors like Syfe, you will invest in a variety of bond and stock ETFs. Usually, you will be given a questionnaire to determine your risk profile, and the robo-advisor will suggest to you a portfolio based on your risk profile. POSB Invest Saver allows you to invest in a single ETF, while robo-advisors allow you to invest in a variety of ETFs. This would mean that robo-advisors are usually more diversified as your money is spread across many different investment products compared to a single ETF. However, I would suggest to read up on the things that the robo invests for you, to see if you are comfortable with investing in such products. If you'd like to find out more about robo-advisors, you can check out my robo-advisor guide.

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Investments

Robo-Advisors

ETF

REITs

Hi everyone, should I do ETF or REITs if I want to invest $10k (I am just a student)? And should I use SYFE or brokers? I am very lost to be honest...?
Hi Anon, I think it's great that you are getting started with your investment journey early. There are many types of ETFs out there, ranging from sector ETFs, index ETFs, growth ETFs, bond ETFs, or even REIT ETFs for that matter. For the rest of my answer, I'll assume you're talking about growth ETFs. As for ETFs vs REITs, I think it depends what your investment objective is. If your objective is capital appreciation (which I feel is what it should be at this age), you should go for ETFs or even pick individual stocks if you have the time to do your research. If your goal is for dividends/passive income, REITs will be a better choice. Also, there is no harm in doing both. To choose between Syfe vs brokers, it depends on your commitment level and your knowledge. If you are well-equipped with knowledge of the markets, I would reccomend opening a brokerage account and picking your indivudal stocks/ETFs. If you're not, you Syfe will ask you a couple of questions based on your risk appetite and reccomend a portfolio to you. The portfolio will have a pre-allocated set of ETFs. With Syfe, you also can set up a recurring payment to DCA into the market. Basically, the amount of work you need to do for Syfe is much lesser. I reccomend that you get started with Syfe (or any robo-advisor of your choice), get a taste of the market and when you're ready, open a brokerage account and start buying indivual ETFs.

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