Am I overly-diversified for a high risk taker with long horizon?

Just to offer a different perspective - you are too diversified because you have too many things to manage.

I used to have 20 different credit cards because I was trying to get the best deal out that. It was frustrating even though I do get tangible benefits from all of the cards.

I have since cut down the clutter in my life and use only 3-4 cards consistently.

Similarly, I am only using Endowus and Interactive Brokers for all my cash and investment needs. This allow me to manage my wealth more quickly and declutter my life. Also helps that interactive brokers and Endowus is the cheapest way to manage CPF/SRS/Cash investments while providing really clear breakdown of underlying investments.

Hope this helps!

1. Endowment plan- there isnt anything wrong in an endowment plan since it guarantees a fixed amount regardless of economic situations if you really need the money after eg 10 to 15years

2. SA- many etfs across different countries, already diversified. 0.8% min

3. Syfe E- many etfs across different countries, already diversified. 0.65% min

4. Syfe R+- 20 of sg most liquid reits, mirrors iedge s-reit index, a little passive income per year if amount 20k 0.65% min

5. Rsp into ogig 0.48% and sp500 0.03%- majority of holdings in both etfs are already in SA and Syfe E so i dont know why you got these etfs again.

6. Tesla- hard to say but yolo right.

7. 3169- if growth justifies fees,risk, and you believe in China, why not?