facebookI'm a fresh grad, looking to invest 30% of my salary ($1900 after CPF). If I'm considering investing purely into equities (e.g. STI ETF, Robo), what would you recommend my asset allocation to be? - Seedly

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          Anonymous

          26 Feb 2020

          General Investing

          I'm a fresh grad, looking to invest 30% of my salary ($1900 after CPF). If I'm considering investing purely into equities (e.g. STI ETF, Robo), what would you recommend my asset allocation to be?

          I'll have around S$570 to invest each month. Currently already investing S$100/mth in STI ETF. Should I increase that, or what else should I invest in? As a context, I do not have much time / knowledge to analyse, monitor and buy/sell individual stocks, hence was looking more at ETFs.

          Open to investing in assets other than equities too, please feel free to suggest / advise.

          10

              Discussion (10)

              What are your thoughts?

              Hariz Arthur Maloy

              Hariz Arthur Maloy

              07 Jun 2019

              Level 15·Independent Financial Advisor at Promiseland Independent

              Your asset allocation should follow your age as the % of monies in fixed income.

              So if you're 25, have a 75 Equity 25 Bonds Split.

              For your equities allocation, I'll set up to have a global exposure. I wouldn't even touch SG equities.

              Split them into US, UK, EU, Asia, Japan, Emerging Markets. Your % of choice in each sector is up to you.

              Also make sure that you're diversified across sectors as well. Not so heavy into tech and financial even though they're very appealing. Get some defensive sectors as well.

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                  Arpita Mukherjee

                  Arpita Mukherjee

                  14 Nov 2019

                  Level 8·Community Evangelist at Kristal.AI

                  Hi Anon,
                  There are plenty of safe ways to invest your money. You can go for REITs, other ETFs and bonds, but before you do that, I'd suggest you read up as much to understand what a Robo-advisor really does. Robo-advisory platforms assess your current financial position and recommend a portfolio strategy after reviewing your risk profile. These bionic advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. And the best part is that they give you the most unbiased advice.

                  You can read here for a better understanding.

                  I work at kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it.

                  I hope this helps you make the right decision.

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                      As you have a long time Ahead of you, you can consider increasing the amount you invest....

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