Hello (: i’m 21 years old and in university. when is the best time to start investing? i have also put some money into roboadvisors like stashaway. is that wise? how do i diversify my portfolio?

I think there are many decisions that you need to make before jumping right in. Do you want to DIY or leave it to fund managers (robo-advisors are a type of fund manager). Are you want to diversify or you want to invest in themes that you feel will perform well in the medium-long term (e.g. tech, china).

Best time is the earliest time

Hi! The best time to start is really now. It is never too early or late to start investing and it is important to read up and learn more about investing before you start as well. To diversify your portfolio, you can consider investing into ETFs as well as different stocks such as growth stocks, dividend stocks and even crypto assets if you are more risk-on. What you choose to invest in should be based on your readings, understanding and conviction as well as risk appetite. There is no one way to invest! You can search Youtube for tutorials if you are interested to learn more!

Hi Cherylene,

Warren Buffett started investing at age 9 and he said it was late. I am very happy that you are starting at a much younger age than I did when I was age 30 after failing to produce any meaningful results from a direct selling business.

Remember to seek out mentors and teachers who can help accelerate your progress. There are very few who become really successful in this game merely reading a couple of (good) investment books. I am very fortunate to have paid some tuition fees, connected to elite investors and traders.

Take care and Good Investing!