Hi everyone, I plan to invest $3000 every month, please comment on my proposed plan, does it make sense?

I currently DCA $500 every month to StashAway (investing portfolio at 18% risk preference) and $500 to Syfe REITs+. I plan to close my StashAway account and move on to DIY with ETF. Here's my plan:

Iwda $750
Syfe $500
China $500
USA $1,000 (either IVV, VOO, CSPX, VUSA)
Europe $250

Does this portfolio make sense?

I'm 34 years old, no other family commitments besides hdb loan. Plan to semi-retire around 50 years old. Currently I have about $200K, plus $72K (SA+OA) in CPF.

Thank you!

Hello!

Your portfolio allocation looks pretty complete!

Additional questions to think through:

Any plans to lumpsum? I assume there's quite an amount in Stashaway already and you mention having $200k excluding CPF. How are you going to allocate that lumpsum? Bearing in mind that over a long-term, lump-sum investing performs better than DCA and you do have a reasonable runway of 16++ years.
What goes behind your portfolio allocation? I see that you have actively selected US China and Europe markets while still remaining global with IWDA? What is the rationale behind the weighting? Are you punting / betting on any market to outperform the other? If so, do ensure that you have good justification for it. Otherwise, it might be better to just track a global index passively.
Do consider also that as you approach retirement, the weighting of your portfolio may change to reflect decreasing tolerance for volatility. You don't wanna retire at 50 with a 100% equities portfolio and suffer a market crash right there and then.

All in all, I'm very happy when I see people who have made good plans for their future. Very well done. Good luck!

Hi everyone, I plan to invest $3000 every month, please comment on my proposed plan, does it make sense?

StashAway

Syfe

Endowus