Are you a DIY investor, Robo investor, or both?

Managed on own to ride the fun & thrill - but can b time-consuming, a hassle if ur broker cant reply your queries on time

So still place Abit on robo for LR (Or lesser once u can afford2 manage DIY) - now i m 1/3rd robo still

WHY? cos it void emotions 4 me, even though humans r still badly affected by the Daily ups& dwns of their robos

I still like Robo 4 its hassle-free & 1-stop shop with just 1 cost (tht doest come too cheap)

The main bulk of my investments is (and will continue to be) in roboadvisors, and main reason why is time.

There are other aspects to personal finance - insurance, retirement planning, career, etc. Spending time to learn how to do DIY investing will take time away from the others. As a student who is about to graduate, I prefer to cover as much breadth as possible rather than go in-depth in a particular area.

This is not to say I may not switch or allocate more to DIY-investing in the future, but for now roboadvisors provide a hassle-free way for me to invest my monies, and I am okay with the performance and paying for the 'convenience' fees.

In addition to that, I invest primarily to beat the CPF SA's 4% p.a. As long as my investments perform as expected, I do not feel the need to spend time chasing after high returns.​​​

My investments are all managed.

I use digital advisors because my investment knowledge is little and my day job doesn't afford me time to learn how to DIY (nor will I have cap space to manage it subsequently).

For now, I can accept benchmark-like returns offered by robo-advisors compared to outsized returns of value investing. However, my aim is to learn slowly and at some point be able to invest in companies that I believe in.

Tbh currently I'm doing both!

Robo-Advisors require low commitments, lower risk and ok-ok safe but slow returns!Projected earnings 11% a year!!!

DIY - higher returns, but require more time commitments and also comes with higher risk! Currently at 12% returns in a month!

I'm moving forward to put all into DIY because the returns are much more worth it!