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Syfe

Robo-Advisors

Online Brokerages

Investments

Fresh Graduates

Anyone care to share their Syfe portfolio and the reasons behind them? And how long do you plan to keep your money there? I should be able to put in $400/month?
D
Deedee
Level 4. Prodigy
Answered 5h ago
Hi Anon! Pls do your own due diligence before starting any investment! I am 28 this year and have a $250/mth perpetual endowment plan for 20years (means I pay for 20 years and money continues to grow till I decide to take it out.. Or I can pass it on to my future child if any to keep it till I am age 120 if I'm not wrong). I would consider this as my safety net. Since I have a long term horizon of about 25 years (I intend to retire by age 55), I believe my investments should be able to ride out market crashes. I believe in tech that it will continue to grow and do want some investments in s&p500 but I really don't want to have to manage my portfolio so I was glad syfe started the equity100 portfolio! Hence I started $1k in syfe equity100 portfolio with $500/mth intended contribution. Then I read more about their reits portfolio, investments in sgd and how dividends would be automatically reinvested and did not want to lose out lol. So I started $1k in syfe reits 100%, and directed $100/mth into this portfolio so my equity100 would receive $400/mth instead. In short, I have - $250/mth endowment plan - $400/mth equity100 - $100/mth reits 100% I am not sure if my simple thought process helps you to decide your allocation but I wish you all the best :)

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StashAway

Investments

Robo-Advisors

Online Brokerages

COVID-19

Given the uncertainty in markets (Geo-pol tensions, Covid19, equities/gold seemingly at high values, us elections) would it make sense to transfer my stashaway portfolio to a lower risk profile.?
I will hold and forget. If you've decades long-term horizon, sitting doing nothing is the best thing you can do. Just ride the volatility out. In the meantime, enjoy your life~ How to make millions in the stock market? https://youtu.be/GOJAzdiee0M

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Syfe

Investments

Robo-Advisors

Anyone mind sharing more about Syfe? I'm totally beginner. Thank you.?
Yang Teng
Yang Teng
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 6h ago
You can read more about Syfe here: - https://blog.moneysmart.sg/invest/syfe-singapore-review-2020-robo-advisor-platform/ - https://www.valuechampion.sg/syfe-robo-advisor-review - https://www.singsaver.com.sg/blog/syfe-portfolios-review - https://dollarsandsense.sg/investing-syfe-5-things-need-know-singapores-newest-robo-advisor/ - https://investmentmoats.com/money/syfe-equity100-portfolio/ User reviews: https://seedly.sg/reviews/robo-advisors/syfe

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Investments

Stocks Discussion

Syfe

Robo-Advisors

I am thinking about putting some money into syfe?
Yang Teng
Yang Teng
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Updated 6h ago
It depends on which portfolio you are going for. If you are going for Equity100 or Global ARI portfolios then there will be some overlap. However, depending on how much you are intending to invest with Syfe, the overlap may or may not be significant. VISA INC CLASS A has 1.23% weightage in CSPX and 1.24% in SPY. ! Equity100 ! Global ARI If you're going with REIT+, then there wouldn't be any overlaps.
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Fresh Graduates

Loans

Investments

Robo-Advisors

Online Brokerages

Been wanting to start investing in robos but need the money to repay student loan in Jun 2021... Any thoughts on whether I should start since my investment horizon now might be pretty short...?
Gordon Lim
Gordon Lim, Founder at moneyonmymind.sg
Level 5. Genius
Answered 7h ago
Thats less than a year. Definitely don’t go investing. Put into capital guaranteed high interest accounts like SC Jumpstart 1% pa if you are eligible and SingLife 2.5% pa. And even after you have paid out the debt, you still need to accumulate the 6 months of income stash before you start to invest. For future reference, investment terms are usually 3,5,10,10+ years with ratio of stocks to bonds increasing in that same order.

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Robo-Advisors

Grab

Investments

Lifestyle

My Review Of GrabInvest: More Like CashBack Rather Than Investing
GrabInvest just launched a few days ago for some early beta users, you can set it up and try now.
Kenneth Lou
Kenneth Lou, Co-founder at Seedly
Level 9. God of Wisdom
Updated 11h ago
0
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Post

Investments

Savings

Robo-Advisors

Online Brokerages

Hi, I'm a uni student who just started investing using robo advisors for 6 months now. I'm looking to invest in stocks by myself, should I start with exploring the local market or foreign (US)?
Hi there! Happy to hear and share my thoughts about active investing. Kudos to you for seeking advice before taking the dive. It seems like you are more interested in growing your capital compared to preserving it, and perhaps more risk-tolerant. That is the sense that I am getting from your question. If that is the case, I would recommend exploring into US markets. ! - Blue is the S&P 500 Index (SPX) - Orange is the Straits Times Index (STI) Right off the bat, we can see that the US financial markets have recovered faster than SG markets. But keep in mind that it is generally more volatile and riskier compared to the SG market. In my own experience of investing, I personally favor the US markets more than SG markets. Mainly because of the larger market exposure and liquidity that US markets have, and the composition of Technology stocks that makes up the S&P 500 relative to the STI. The top holdings of STI are most Financials, REITS, and Telcos , which I feel don't really have much momentum as compared to stocks like AAPL, AMZN, and MSFT , all in the Technology sector. I would favor the STI more if I am looking for dividend growth because of the 30%/15% (Irish-Domiciled) withholding tax that US equities inherently imposes. I still do recommend holding onto your Robo-Advisors for diversification. Moving forward, you can adopt the bottom-top approach in selecting a few companies that interest you. Preferably something that you understand . Maybe if you are a CS degree student, you can perhaps look into Cloud companies or Fintech, etc. Study them closely, do your due diligence and build that conviction within yourself. Once you are ready, open a brokerage that offers access to global markets and start investing! Seedly has a great article that lists most of the brokerage that does it. https://blog.seedly.sg/how-to-buy-us-shares-in-singapore-and-open-brokerage-account?utmsource=product&utmmedium=banner&utm_campaign=experiment Hope this helps! Happy to share if you need any more information.
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Investments

Robo-Advisors

Online Brokerages

I read up online and was wondering whether it would make sense to DCA into RoboAdvisors Every 2 weeks vs Every 4 weeks?
E
Ethanslp
Level 3. Wonderkid
Answered 23h ago
The reason to DCA monthly is because most people get paid on a monthly basis. Markets, in general, trend upwards. Therefore, if you are holding on to half of your monthly investment by splitting your investments in two, half of it spends less time in the market. As far as I am aware, there hasn’t been any substantial evidence to show that DCA works better at 2 week intervals compared to once a month. Thus it’s probably more optimal, and easier, to just do it once a month and forget about it.

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Investments

Savings

Robo-Advisors

Syfe

Endowment Policies

REITs

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 5. Genius
Answered 6d ago
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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Investments

ETF

Robo-Advisors

Syfe

StashAway

Endowus

AutoWealth

MoneyOwl

Retirement

Hi! Newbie here! I'm about to make my first investment into ETF. I'd like to start with an ETF that tracks the S&P 500. My goal is long term, and for capital appreciation, not for dividends payouts. What are your suggestions?
Shengshi Chiam, CFA
Shengshi Chiam, CFA, Personal Finance Lead at Endowus
Level 7. Grand Master
Answered on 21 Apr 2020
I would start with a broader index, that tracks not just the US markets, but the global index. including other developed markets and emerging markets. VWRA/VWRD serves the purpose, and it is tax efficient. US listed is extremely bad because you are potentially paying 2 layers of dividend withholding taxes. You can read up more about it here: https://endowus.com/insights/an-inconvenient-truth-tax-on-us-listed-etfs-04c7532c5d/

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