Is a 1 year time horizon too short to invest in a robo advisor?

Not if you have a cash management product like Endowus- which has a very low risk of loss of capitak.

You can read more about the performance of Endowus Cash Smart here.​​​

Hi Anon, like many have said, 1 year might be considered short for investing in general, but it really depends on what your goals are.

If you are still trying out/ figuring out which Robo works best for you, a 1-year horizon may be good for you to test the water and compare returns against your expected returns/benchmarks without much sunk costs.

However, if you have the goal of benefitting from Robo investments, then a longer time horizon would be better in general as the way Robo works benefits you more the longer you stay invested.

Nonetheless, be it other investments or Robos, one important factor to consider before investing is your investment time horizon. There are really some benefits (material and psychological) that comes along with a longer time horizon mindset.

Hope this helps!​​​

Hi anon, as what other commentors mentioned, a timeframe of one year is considered short if you plan to invest in stocks and REITs. Generally, a timeframe of 3 - 5 years will be more ideal as it gives your portfolio time to recover from any stock market volatility that occurs within your investment period.

If you're looking for a short-term investment with relatively lower risk, you may want to check out Syfe's Global ARI portfolio at a 5% downside risk level. Schedule a free call with our wealth advisors to understand if this portfolio is suitable for your short-term needs.

As what others have mentioned, 1 year is far too short, be it with robo-advisors or any other platforms, but let me illustrate how unwise it is to be to have such a short time horizon.

Using the Rule of 72, we know that for any given % in returns 72/x would give us the years that it takes for the investment to double. If we were to aim for 10% returns, we would still require 7.2 years to double the investment.

I'm not sure if any robo advisor is able to generate 72% returns for you within a year.

Time is your best friend when it comes to investing.