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

Robo-Advisors

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?

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.

View 3 replies

Jonathan Chia Guangrong

Jonathan Chia Guangrong

08 Oct 2018

Level 12·Cybersecurity Trainee at Bank in blue

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

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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