facebookHi everyone, I currently DCA $500 every month each to Syfe REITs+ and StashAway's general investing (18% risk preference)? What else can I invest in to complement my robo-advisors? - Seedly

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          Hi everyone, I currently DCA $500 every month each to Syfe REITs+ and StashAway's general investing (18% risk preference)? What else can I invest in to complement my robo-advisors?

          Starting next year onwards, I plan to increase my monthly investment to $3000 per month, and I'm looking to DCA approx $500 every month to each of the following: MBH/ES3/VWRA (or IWDA). Is this a good strategy, will it overlap with my SA robo? Any other recommendations since I will have another $500 spare? Thank you!

          8

              Discussion (8)

              What are your thoughts?

              There’s going to be plenty of overlap. The components in Syfe reits+ are going to be included in ES3 and most stocks in your SA portfolio is going to be in IWDA/VWRA.

              Since you already have a good idea of what you want to do i.e. your 3 fund portfolio of MBH/ES3/VWRA, why not just buy those 3 and save yourself from paying the robo management fees.

              Personally I would have a higher allocation of VWRA compared to ES3/MBH instead of an equal split, maybe unless you are close to retiring.

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                  You got:

                  • dividend

                  • 45% Equilties / 55% bond

                  it seem like you are going into capital presevation & cashflow generating with some growth? A portfolio for mid-40 years old probably near retirement, just guessing?

                  OPINON:

                  if i going into retirement, just sharing what i will do:

                  i will focus more on cashflow. i believe only styfe reit + payout quaterly dividend?

                  I will look at what are the REITs paying out dividend each month. (Of course the reit must be good track records) then buy in. The purpose is to make sure every month there is dividend come in, in fact this is what i doing now for SG portfolio. But there will be still 2-3 month no cashflow. Where month, there is no good reits to buy, then i will buy into unit trust that payout monthly. My goal is make sure every month got money come in instead wait every 4 months. Link below to check coming dividends.

                  https://sginvestors.io/news/sgx-upcoming-divide...

                  i will buy into IWDA for growth. i just DCA in, most probably wont have a chance to sell. becoz every month i will money from dividend to spend. And treat it as a "Emergency" of emergency fund for my bank saving. Same for SA (18%), which dont pay dividend.

                  Thus this is what i will do if i DCA with $3000

                  $2000 into individual Reits/unit trust/syfe reit+ that have coming dividend.

                  $500 to SA 18%

                  $500 to IWDA

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                      Go for IWDA, don't invest in MBH or ES3 (super terrible index), very poor returns and might even mak...

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