facebook26 working, have been saving and never invest before. Thought I should start investing and have been reading up. Plan to invest ~100k in ETFs and perhaps reits, stocks, any advice how I should start? - Seedly

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Anonymous

22 Aug 2020

General Investing

26 working, have been saving and never invest before. Thought I should start investing and have been reading up. Plan to invest ~100k in ETFs and perhaps reits, stocks, any advice how I should start?

1/Should I use buy few ETFs with the money at one go? Or should I divide the money into few portions and buy different/same ETFs at different period? What will you do?
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2/How will you allocate this amount? I am more interested in long term investment, 10+yrs, just buy and hold. Thought ETFs is something to look into or maybe reits, some individual stocks etc. Keen to look into US and China market or UK. Any recommendation or advice?

Discussion (9)

What are your thoughts?

Lin Yun Heng

Lin Yun Heng

22 Aug 2020

Level 12·Crypto Analyst at Delphi Digital

Hello there and congrats on starting your investing journey!

It may be daunting to know that there are so many different kinds of ETFs out there and with a sum of 100k, you can have the flexibility of choosing what to invest into. I actually wrote an article regarding Syfe and Stashaway which you can read here as well as posts on Growth Portfolio and Dividend Portfolio here.

If you don't know where to start, you can always get started with a roboadvisor. Currently, my robo allocation (Syfe Equity100) has a return of 26% (Time-Weighted Return) and I started the portfolio in July. The rally has been giving me quite a good return and my overall portfolio is up +15% annualised right now. This is all thanks to US equities which is currently up (+53%) while my SG equities are down (-3%) so far.

Unfortunately, SG equities has a bigger allocation and this is why my overall return is only +15%. Glad that you are looking into US and China market which can be done through Syfe Equity100 which you can read more here.

If you have any more questions, feel free to ask and reach out!

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Find someone who has done it, made money, made mistakes, and ask them to share their perspectives with you. By someone I mean one that treats investing seriously, has a large part of their net worth invested ether currently or previously and not hobby armchair investors

I touched on investing for beginners here.

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