Hi All, for the few months, I've been reading up retirement+investment, attened free webinars and read up countless articles and opinions from Seedly. Based on those, I design my own retirement/investing path and try to diversify my balance cash. This is after essential household spending (incl insurances) and 1yrs emergency funds. I’ve also saved 100K cash to prepare for resale flat purchase as a single, I have been sitting on it for so long (prices are so high, how? ☹).

600 – NTUC Endowment (10 years policy, paid 2 yr premium)

350 – AXA Wealth Accelerator (15 years policy start few years ago. Now then I realized the fees are insane but I think I should continue with it?)

584 – SA+MA Top up

730 – Monthly pay deduction to buy US employer’s shares (this has been ongoing for 2 years+ hence currently form the biggest % of my investment)

730 – Endows 100% equities (it is a funny amount but to match the above, just started 2 months ago)

700 – Balance (I intend to DYI ETF via Interactive Broker, looking to get CSPX as a start)

Previously I bought a 2 decades policy term retirement plan (10K/yr). Committed 1st year premium. Now I realise this stretches too long for me and robo/diy would have worked better so I am going to painfully forgo it ☹.

What do you think of my so call portfolio diversification for a newbie? TIA