I am considering doing RSP monthly into VOO and NikkoAM REITs ETF. What are your thoughts? Any advice?

Capitalism will drive growth in the long run and if you are doing RSP into the indices of global developed economies, the odds are in favour of higher returns as long as you are willing to ride through the volatility.

RSP should not be thought of as a boring approach of just investing a fixed amount of money every month/quarter etc. To capitalize on opportunities, watch for negative quarters across the funds that you are interested in. Such periods are rare and most of the time people are panic selling their assets or are going through standard profit-taking periods. You got to increase your positions during these periods while maintaining a fixed amount during the normal quarter to quarter growth periods.

These are some of the important questions I ask myself before deciding which funds to invest in:

• How has the NAV been trending since inception?

• How has the fund been performing quarter on quarter since inception?

• How has the dividend been trending since inception?

• How has the fund size been growing?

• What are your probabilities to make/lose money?

• What are your average (+) and (-) returns?

• Is your fund outperforming or underperforming the benchmark? (For Unit Trust)

Overall, I still like VOO US and STTF SP in terms of its diversification to contain wide volatility periods. However, if you have a strong conviction for REITs and like a consistent stream of higher dividends, AXJREIT SP will be a considerable option.

I have all the charts and checklists accessible through this link to answer the questions above: https://dl.orangedox.com/fund-analysis-pdfs

File names:

-VANGUARD S&P 500 ETF (VOO US Equity)_updated_270620

-SPDR STRAITS TIMES INDEX ETF (STTF SP Equity)_update_270620

-NIKKOAM ST A E JP REITETF-SG (AXJREIT SP Equity)_updated_270620

Enjoy!

If you are considering doing a RSP into both VOO and NikkoAM REITs ETF (CFA), you can consider the FSMOne RSP. It is one of the most affordable platforms to do a RSP into a specific ETF.

As mentioned by Kelvin, VOO will incur a 30% dividend withholding tax.

With regards to STI ETF (ES3) vs CFA, you may want to consider the expense ratio of both ETFs. ES3 has an expense ratio of 0.3%, while CFA has an expense ratio of 0.6%.

Ultimately, it depends on what kind of portfolio you would like. If you want one that is totally focused on REITs, then CFA is a better choice.

If you'd prefer exposure to other companies in Singapore, ES3 may be one that you can consider.