Seeking advice on investment for a 27 year old single person with no dependents.

Hi, seedly, seeking advice for the following.

I recently came into a sum of 10k sgd that I'm not sure how to optimise.

I have a job that's basically an iron rice bowl with a bond for at least 3 more years. Fully funded emergency fund with no dependents. Not saving for any major expenses like wedding or renovation. Own a fully renovated apartment that I'm paying mortgage for. Also topped up my cpf for this year. No upcoming trips to save for.

The sum of money would probably not be needed for the next 5-10 years. So I'm not interested in fixed deposits or cash management accounts.

I do DIY investing and have been DCAing every month into sp500 etf with a 100k portfolio in individual stocks like REIT, US tech and other individual stocks of interest to me e.g. banks. A mixture of growth and dividend stocks.

Have a small stake in crypto but it's an amount I'm willing to lose.

The crypto market has dipped slightly recently - should I enter with 10k lump sum? DCA into sp500? Top up my stakes in Singapore reits - but they have recovered since 2019? Increase my allocation to growth stocks? - but most of the us tech stocks I bought in 2019 are at an near all time high point so a tad overvalued now.

Kindly advise, thank you! Would greatly appreciate wisdom from more experienced parties as I'm still quite a newbie! :)

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CTKS

13 Sep 2021

Hi anon, solid portfolio!

Here are a few things I would consider if I were to have 10k cash right now.

I understand that many stocks are at all time highs. However, I feel that the whole point of DCA is to avoid timing the market. Thus, I would continue nibbling away and accumulating more shares of S&P500 ETFs, individual companies and reits.

Considering that your portfolio is quite diversified, I would look into the chinese/emerging markets that can present many opportunities at this current period. Personally, I own CNYA which is made up of A shares that are not a target of recent regulations. This makes it a relatively safer investment. An alternative would be MCHI which has a significant allocation to big tech companies that have been beaten down such as Alibaba and Tencent. You can also consider EIMI as an emerging markets ETF. Alternatively, you can invest in individual companies from the chinese market. However, be prepared to dedicate hours to research and stomach volatility.

You can also top up your crypto portfolio. Given recent declines, it may be a good opportunity to do so. Personally, I maintain a 5% crypto allocation and add whenever it dips below that thresholdz

However, feel no hurry to deploy your funds. Part of investing is to be patient until an opportunity arises.

Hope this helps!

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