What are the pros and cons on using RoboAdvisor vs picking stock on our own?

I didn't consider robo-advisors as they are investing in US ETFs (30% withholding tax). Also, the funds are co-mingled with others.

Only robo-advisor I did consider is Endowus which invests in mutual funds, so the funds are in your name. I parked a lump sum of my CPF-OA with them.

If you really want to consider ETFs, it is best to DIY with Irish-domiciled ones (15% withholding tax).

The Ultimate Stock ETF List for SG Investors https://theinvestquest.com/ultimate-stock-etf-l...

As personal preference, I went with picking stocks as I don't mind to do the hard work and reap better results.

I wrote more about the difference here: https://seedly.sg/questions/are-roboadvisors-go...

I would say the difference between investing with RoboAdvisor and picking your own stocks will be the returns you will get.

Usually when you pick your own stocks, there is a higher chance for you to outperform the market returns, however there is also a chance for you to underperform the market returns. I think that it is fair because you have put in effort in researching and therefore you should be rewarded with more returns compared to market returns. Vice Versa.

As roboadvisors usually invest in ETFs, where there are many components in a ETF, it is seldom where an ETF will beat the return of an individual stock as there will be underperforming components.

So to sum up, I would think that the effort you put in is directly proportionate to the returns you picked a good stock to invest in. At the end of the day, if someone is lazy in researching, I think it is fine to just invest in ETFs as at least you are getting market returns that is better than putting in a bank.