I started Endowus last year with CPF OA and I am happy with the return (approx 15%). Now that I got interested in building investment with cash. Can you advise what can be done better with the below?

Hello!

At age 40 with a 15 year runway, you don't have as much time to let your investment compound. (Compared to a 25 year old, who invests 30 years until age 55).

If you have enough savings, consider a lump-sum that's much larger than $1k. If you had $12k to invest and you DCA $500 a month, it will take 2 years for your $12k to deploy. You will miss out of 2 years of returns in the market. And then only left 13 years.

If your CPF is the only other investment portfolio you have, your cash portfolio should be as diversified as possible to capture market returns from all countries/sectors. The last thing you want is to be exposed to one country and then that country goes into depression for the next 20 years.

Syfe Equity100 is quite heavily tilted to US, I think 85% US ETFs. Same principle for CQQQ and ARKK - they focus on one country / sector. Syfe REIT+ also focuses on one small sector. All these portfolios are good, but preferably as a satellite, not core portfolios.

Endowus stands out because it's the only globally diversified portfolio, in line with their investment philosophy of capturing entire markets. If I were you, I'd go with this one, and do a lump-sum investment with whatever investment funds I have now, before continuing to DCA.