Can I get your thoughts on this? I work in audit so have many investment restrictions. would a good investment portfolio look something like this? Voo - 50% VXUS - 20% STI etf - 10% Nikko Reits - 20%

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For REITs, scale plays a big part in performance. Most investors get REITs for the income generation prospects, not much of capital gain. Therefore it might be wiser to allocate more, if not, not at all into REITs for you to see stable income. Not saying that REITs cannot grow but you will find that an ETF will keep the capital appreciation low as those that do not grow will dilute the performance of those that are shining. For STI ETF, my thoughts are the same as Boon Peng. Income generation is not great as well as they diluted the ETF with other SGX stocks that are seemingly for growth, but don't seem to be performing as intended.