facebookI'm a fresh grad, new to investing here. Does it make sense for me to invest in both STI ETF and Robo-Advisors to diversify? What should the split be in terms of how much to invest? - Seedly
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Anonymous

26 Aug 2020

I'm a fresh grad, new to investing here. Does it make sense for me to invest in both STI ETF and Robo-Advisors to diversify? What should the split be in terms of how much to invest?

Hi! I'm looking to take out around $350-$400 of my salary to invest. Have read through a number of Seedly articles, but I'm still confused.

  1. Does it make sense for me to diversify by buying STI ETF + Robo-Advisors (Global ETF)? What's the benefit of diversifying, if I'm looking to hold this for the next 5-10 years when according to what I read, there's generally an upward trend in terms of returns? (As compared to only buying STI or only Global ETF)

  2. How should I decide the split?

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    Discussion (14)

    What are your thoughts?

    Kenneth Lou

    Kenneth Lou

    07 Oct 2018

    Level 14·Co-founder at Seedly

    Yeah this makes sense :) and this is Actually what I kind of do also... along with other individual stocks.

    so largely you invest in both the local market (where you live) in this case Singapore... and also the global market which is often rooting from companies in the US... which robo advisors often buy the ETFs from.

    A split to me would be leaning 70% global (USA and Asia ex japan) and 30% sti etf, because to me, much of my market exposure here in the local market comes from our daily lives already, working here etc.

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      Mm perhaps you can have a read through Andrew Hallam's millionaire teacher book where he talked about a couch potato strategy using Etfs (global equity, local country Etf and a bond one) before you proceed further. I'll suggest vanguard for their low costs if you can get access to them via an offshore broker. Hope this helps

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        Nicholes Wong

        Nicholes Wong

        07 Oct 2018

        Level 10·Diploma in Business Management at Nanyang Polytechnic

        Yea it make sense. To invest in own country and also invest globally. Diversifying through ETFs are ...

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