Beginner Portfolio using RSP: S$100/month each in STI ETF, REIT ETF, ABF Bond ETF) using DBS and S$200/month in Stashaway (12% risk, for global exposure). Is it advisable?

The idea of using RSP is good to have regular investing discipline.

Robos or companies like Stashaway will subtract (albeit low) manging fees. But is there evidence that in case of a global financial crisis they are safe? I don't know.

When You already started Stashaway investing try to benchmark their performance for You against cheap DIY ETF options like MSCI World ETFs or SP500 (f.ex. VOO or IVV) over several years, maybe the last mentioned way is simple and successful and cheaper.

You may like to read more on my thinking here:

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

To me stashaway 12% risk is a conservative portfolio. and the RSP primarily in singapore markets are also relatively conservative. So I guess your investment style is conservative.

Which probably makes sense because your phd will most likely give you a high income job, thereby no need to take on too much risk to be live and retire comfortably.

Have you considered retirement funds, CPF and annuities of those sorts?​​​