27 Feb 2022
I think it depends on your investment outlook and risk appetite.
E.g. You can relate more to SG companies and hence you buy their shares (i.e. You are comfortable with what the company is doing and it's within your risk appetite). Alternatively if you are more generally more bullish on overseas investment and these companies are within your risk appetite, then you might want to use endowus for overseas investments.
Depends whether you want to lump sum or DCA, depends how much you want to invest each time. depends whether you got time to monitor the market, depends whether you want auto regular income at old age.
remember that endowus has on going charges. but if you choosen a broker for stocks, there may be only sales charge and no other further charges.
downside with endowus is that their processing time is very slow. there are times when they ask to rebalance, there is a chance that you will sell at low but buy back at high.
you can also consider using SRS to purchase an annunity, so that you can have regular payouts. no need to manually sell to take profit and withdraw money.
or simply just leave it inside SRS account. it is not a must to invest the SRS money.
hope this helps.
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