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Sj Oh

26 Mar 2020

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Is investing with Robo better than investing with a FA? Which is better?

I want to invest my money for the next 5 years and some money for the long-term, but I don't want to think much about the technicalities of it... I am willing to pay a fee, but I hope to get proven results.

Which one will be a better option?

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Shengshi Chiam, CFA

26 Mar 2020

Personal Finance Lead at Endowus

Hi!

Based on your shorter investment horizon of 5 years, I do not think it is suitable for you to invest in many of the roboadvisors, since the offer USD denominated investments.

Your short investment horizon will limit you to safer investment instruments, and SGD exposure.

From that angle, roboadvisprs are not a suitable platform for your investments. Choose safer SGD denominated investments if you really need the money.

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Al

26 Mar 2020

You pay a fee to an advisor to look at your risk, create an allocation cashflow strategy based on your current assets, liabilities and cashflow. Investing into a Robo advisor uses the platform to capture the price benefits as opposed to using a mutual fund.

You are paying for different benefits.

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Pang Zhe Liang

26 Mar 2020

Fee-Based Financial Advisory Manager at Financial Alliance Pte Ltd (IFA Firm)

There is no way to have proven results since investment only yields non-guaranteed returns.

Instead...

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