Endowus / Tiger Broker / OCBC BCIP

Would not invest in any singapore ETF

1. 21% risk? I will 'max' out the risk to go 100% equities and no bonds. Reason being it is so diversified. No point diluting with bonds. (In doubt, just pump more here as the company holds your funds in a custodian bank tied to your own name)
2. I personally have been picking my own stocks in Tiger low cost broker. This is the most ideal as the returns and fees will be the best as compared to ETF or robo. (Just note that the company holds your funds in a custodian bank tied to Tiger's name, meaning if they were to fold, all your funds will be forced to be liquidated.)
3. I would cash out and instead channel the funds and monthly contributions to the above 2 mentioned.

A few people have mentioned point 3 and how they would redeploy it to DCA into S&P. I would tell my 25 year old self with little or non liabilities (Im assuming) and lesser capital, I would actually DCA point 2 and maybe 3 (depending on your knowledge and risk tolerance) into cryptocurrencies (can start with the bigger cap coins if unsure). The assymmetric risk-reward ratios make sense and the momentum is just getting started.

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As usual, DYODD and this isnt any financial advise, just random musings.

What are those 7 holdings in Tiger Broker? Need to be clear. With a capital of just 900 USD, having 7 holdings means each holding not allocated alot of money. (eg. 128 USD per holding?)

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Can see a slight overdiversification with these 3 products.

#3 can just exit the OCBC BCIP plan. This is a dividend generating ETF and putting in just 200 SGD is not really going to help much in your portfolio to be honest. Every month just getting very little dividends. I used to buy such plans and held it for 1 year, DCA 100 SGD per month in the past and in the end, I never really earn much.

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I think your issue now is you do not really know how to evaluate the effectiveness of your portfolio. How to do an apple to apple comparison across the different invesment types that you owned now.

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You need to find a common unit of measurement across all your plans, calculate their value and do a comparison to see which plan generates the most returns for you and which plans make you lose more money for you in the same time horizon.

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Once you have a strategy to evaluate, you wont need to come here to ask how to improve cause you know which will be your weaker plans, you automatically will remove and take away the weaker plans and find ways to strengthern the stronger plans that are getting you the best returns. Do you get where I am coming from?

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I wrote an article on my own way of evaluating using daily ROI. https://medium.com/the-capital/using-daily-roi-...