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.

Discussion (10)

What are your thoughts?

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

You should look out for ETFs from roboadvisors, particularly Syfe, Stashaway or Kristal. Since your investment amount is regular and small, you should avoid buying through even SAXO or IBKR cos the comission fees will eat up your portfolio.

Stashaway will invest your money in a combination of mainly US bonds/equities and gold, depending on your risk profile. It is good to have at least 2 portfolios of different risk profiles.

Syfe has the lowest management fee and they also have the SG REIT porfolio (Stashaway has it, but the minimum allocation is 10K SGD)

For kristal.ai, they have $0 commission until you have 50kUSD of NAV. you can buy their custom portfolios or just buy certain ETFs like SPY, SPYG or VONG, VEA. Here you have more flexibility and variety, you can even buy Clean energy etfs like ICLN, FIW water resources etf or those in the tech sectors which bring higher returns when the bull market is still on. China ETFs can be bought there too.

All ETF strategy ultra-longterm:

VOO or IVV

MSCI World

S-REIT ETF

Scandinavia ETFs

(some physic...

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