Syfe Equity100 VS Syfe Core VS Stashaway 36%

First time exploring investments so am quite lost. I spent 2 days reading up on robo-advisors and I don't have any background so my judgement are extremely skewed by online reviews and comments thus I wanted to check with you guys.

Syfe and Stashaway kept coming up so I narrowed down to those two. Between them, I was looking for higher returns and lower fees and decided that Syfe equity100 might be a better option. But there's also Stashaway's more diversified portfolio with bonds and gold which also brings into picture the Syfe Core which is similar to Stashaway but is still relatively new I believe. So I'm just at a loss at comparing these 3 plans. Looking from a returns' perspective, would Syfe Equity100 be most worth the risk compared to stashaway if I'm leaving money in long term?

That said, may I know why Stashaway is still more popular despite having higher fees? Because I was thinking that the diff between 0.8% and 0.65% might sting as time goes by, since I'm intending to leave it in for 5-10 years. But heard their interface is good or smtht be wrong. ?

Also dumb qns but if I choose DCA over lumpsum, would anything happen if I don't do so for a particular month? I'm assuming we can choose to DCA whenever we feel like it but I might be wrong.

You're right that Syfe Equity100 takes more risk compared to Syfe Core and Stashaway 36% which has allocations to 'safer' asset classes such as bonds, gold and real estate.

Personally, I feel that if you have a long enough runway, you can just take the Equity100. As you get older, you can adjust the allocation to move to more defensive allocations by shifting your funds to Syfe Core portfolios or other robos as well. With that said, I would also caution that while stocks have been the best performing asset class out of those offered, past performance is no indication of future returns. However, I do admit that a significant portion of my investments are still allocated to stocks.

Stashaway might be more popular due them having started earlier and they are generally seen as like the OG roboadvisors in Singapore. Moreover, they've also announced that their AUM has crossed $1b early this year. This could give investors some security when it comes to investing with them.

Regarding your last query, nothing will happen if you don't DCA for one month haha. Ultimately, DCA helps to build habit and helps to smooth out your entry prices. So ideally the more regularly you do it, the more averaged out the entry prices. But if you miss 1 or 2 here and there, it is unlikely to have any significant long term impact.

Syfe Equity100 VS Syfe Core VS Stashaway 36%

Syfe

StashAway

Endowus