I have a lump sum of 25k to invest with right now, period of investment is roughly 5-7 years for extra funds for hdb when i get to 35. Hoping to get some decent returns, any recommendations?

Hi there if you're still looking. I have a way where you can get direct access to accredited funds as a retail investor. This is one way where you can sit back and grow your funds and not be subjected to any uncertainties or volatility.

You'll get direct access to fixed returns (8.4 to 10%) p.a, distributed quarter-monthly, tenors (10-12months tenor) and strong risk management and security protection features that is only exclusive for accredited investors.

Hit me up 81822142 (Ken)

What i have isnt perfect but its at least better than whats typically available out there.

***This isn't endowment products nor ILPS or any insurance investment products​​​

In terms of cost:

Syfe: 0.5% since you have 25k

Autowealth: 0.5% + 18USD

Stashaway: 0.8%

Endowus: 0.6%

These are just a few of the robo-advisors out there. Looking at the cost, you can rule out Stashaway if the fees are an issue for you.

In terms of account management:

Some robo-advisors such as Syfe and StashAway store your funds in a custodian account, co-mingled with other clients' funds.

If you are not okay with that, you might want to consider robo-advisors that instead open a custodian account under your name (Autowealth, Endowus, etc.). I.e. You are the legal owner of that custodian account.

In terms of performance:

All robo-advisors will give you some numbers on their performance so far, but they will also state that past performance is not indicative of future returns. Perhaps you can instead consider what kind of securities you're looking to invest in.

For example:

• If you're looking to invest in affordable ETFs tracking a broad market index, then Autowealth might be what you are looking for.

• If you want to select your own funds to invest in, then Endowus's FundSmart might be what you are looking for.

In conclusion:

There are indeed several choices to choose from, and it can be difficult to make a decision on which to invest in. It might be easier if you list several factors that you are looking out for, and rule out from there.

While the community can recommend you robo-advisors, only you yourself know your current situation, and that affects what you ought to invest in.

https://dollarsandsense.sg/robo-advisors-in-sin...

https://endowus.com/fund-smart