Can someone help me evaluate my current portfolio?

Hi Anon,

Without knowing your goals/time horizon/risk appetite, it's hard to give a detailed response, but here are just some of my thoughts:

Your crypto allocation is pretty high at 26%, so just be aware of the risk that you're taking on because crypto is notorious for being extremely price volatile. If you're aware of it and are bullish on crypto, then that's fine. But if you haven't experienced the fluctuation and are not sure how that will affect you, it may be prudent to cut back slightly on the allocation as Tim has suggested.

Your equity allocation is mostly in US large-cap stocks + some China large-cap stocks. I'd say this is fine, but you can consider exposing yourself to other assets like US small-cap or Emerging markets. This just allows you to capture growth from more areas of the market if you're interested.

I'm not sure if there's really a need to use both SA and Syfe simultaneously. I think it may be better if you consolidate them into 1 Robo (lower fees, more simple), given that there is significant overlap between SA 36 and Equity100 anyway.

Hope this helps & all the best!

Regards,

thefrugalstudent

On first glance, a lot of your portfolio is in crypto. I'd say limit crypto exposure to 5-10%, at least until you see how the long-term regulatory landscape plays out.

Second, rather than a Syfe REIT+ portfolio, it's easier to just buy the best-in-class REITs. Personally, I don't rate Capitaland, Keppel or Frasers all that much as REIT parents/sponsors.

They've had slow growth of DPU, sluggish capital appreciation and execution has been "meh" versus the gold standard of the REIT space here - Mapletree.

In that space, Mapletree Industrial Trust and Mapletree Logistics Trust are the leaders.

They're usually overlooked because they operate industrial/DC and logistics properties (that's nowhere near as "sexy" as owning the operators of massive shopping malls) but it would have been much better for you financially if investors had owned these names over the past decade or so.