Robo-advisor or S&P500?

I suggest s&p 500.

Hi Jude,

Considering you're already invested in 2 Robos, I'd recommend you to DIY invest in index ETFs like VOO using a low-cost broker like Tiger/Moomoo.

1. If you are able to invest even 1 unit of VOO/month, the broker fees you pay as a % will be generally lower than the management fee for Robos

2. The expense ratio of VOO is much lower than the expense ratios of average ETFs that may be included in Robo portfolios

3. Experience in DIY investing will do you good in the long run so you don't have to perpetually rely on Robos for your investments

Hope this helps!

Regards,

thefrugalstudent