How is my portfolio? Any suggestions or changes you would recommend?

Hi, I cannot give recommendations, only thoughts.

QQQ and SP500 were&are supersuccessful. I feel, mainly so because of the U.S. modern technology supremacy. My own approach is to be heavily invested into technology ETFs, but this is probably not wise and surely not to recommend to other investors.

Particularly for young investors IWDA is really a good thing, even when SP500 has higher historical performance.

QQQ and SP500 ETFs have a rather high number of overlap: 40% for VOO & QQQ.

You could calculate that here:

https://www.etfrc.com/funds/overlap.php

QQQ is not a pure technology ETF. If You want to be invested into U.S. technology

VGT could be a superior choice performance wise.

STI is not a successful ETF (with the exception of the distributed dividends), I have a chart on that in my text here:

https://seedly.sg/questions/what-is-your-genera...

It shows negative (!) performance (dividends excluded from the performance chart). For Singapore I personally like the REIT ETFs, particularly Lion-Phillip S-REIT ETF, though the 2 other S-REIT ETFs maybe are also o.k.

As a quick shot my gut feeling would suggest allocation like this

50% IWDA

20% VUSD

10% VGT

10% Lion-Phillip S-REIT ETF

10% CQQQ (or a MSCI China ETF)​​​

I personally dislike the STI ETF, you can read about my thoughts here.

I believe that Syfe REITS+ will give you sufficient coverage in the Singapore market.

Also, there is a lot of overlap between VUSD and QQQ, there is no point to buy both.

Other than that the portfolio seems fine.

However, you may need to consider which broker you are choosing to buy. Considering your low investment amounts, costs may be quite high.