06 Jul 2021
I am currently invested in STI ETF via DBS, Fixed Deposit, UT(All Equity Funds), SSB, Syfe Equity100, Moomoo and Digiportfolio. I want to diversify but at the same time, I don’t want my money to be all over the place. The thing is I don’t like my money just sitting in the bank—I want it to work hard!
I think an important question you need to ask yourself is, what is the point of diversification?
While diversification is no doubt, important, it is important to understand what is 'too much diversification'. Do your UTs overlap with Syfe Equity100? Does your Digiportfolio contain STI or HST? What stocks are you holding in your moomoo account and do they overlap elsewhere? Do a consolidation of your assets and see where they overlap. Often there is not a need for more than just 2-3 ETFs to cover most of your requirements (hence, the popular Boglehead 3 Fund portfolio).
That said, as a standalone, the split is decent I guess. My only concern is whether the REIT portion is too large. After all, REIT+ is Singapore centric (yes, I know most REITs have overseas property but they are all still subject to SG govt policy). As such, this might be an overexposure to Singapore via REIT+ (not to mention + STI as well). So that's something to consider.
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Suggest you review your overall portfolio allocation. You can look at all your existing investment and identify each investment into asset classes (equity, fixed income, commodity, crypto, cash, etc), geographical regions (global, Asia, Europe, US, etc), and sectors (tech, healthcare, real estate, financials, etc).
Come out with a target allocation for your portfolio. Then, you can deploy your spare cash into areas that are under-allocation, and trim those that are over-allocation.
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If you have a particular conviction in one, I'd say just put all 4k/month into it, rather than split...
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