As a fresh grad with no student loans, I have 20% of my income set aside for emergency savings + savings for big ticket items, 30% for passive investment such as ETFs, Robo-Advisors. Is this ideal?

Yes u r doing good

You could skip the robo and self invest because you already have good knowledge demonstrated by investing in ETFs.

My feeling is. that VT and VOO ETFs cannot be very wrong with longterm buy&homd approach (more than 10 years).

https://seedly.sg/questions/what-is-your-genera...

Hi Anon, great to see that you are actually budgeting well and thinking about your future! I believe by this time you would have already worked for a year or 2?

Assuming that you have your emergency funds set up and downsides protected, you can then focus on the passive investment instruments like robos and etfs like you mention. It's important to choose your method on how you want to enter the market with your saved up money. Is it lump sum, is it DCA etc? But more importantly, stick to your method and don't withdraw your money due to short term market fluctuations. Your portfolio should be long term.

Your overall portfolio needs some time to be set up so don't rush to buy everything at one shot!

Hi Anon,

Well, it is not ideal.

But you know what? It is fine.

You are still "young" and you still have space to maneuver.

Maintain your current pace, and you will be fine.

But, optimize your spending and taxes along the way...oh, your earning potential too.

Cheers,

Pascal