When do you go from Robo to DIY?

I feel the transition will depends on how confident you feel in your investing ability and not the size of your portfolio.

Why robo? jus replicate the holdings urself

If you think you can handle it.

Hi Marcus, perhaps I can share my personal journey. I started with DIY during my university days, back then there are no cheap brokerages like Tigers so I always ended up paying ~$28 per trade. So of course the main draw now is the low brokerage fees.

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The main problem is DIY is you need to spend alot of them researching, reading up investment strategies along the way and I admit that when I first started I've made mistakes and losses too.

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When I started working, I do continue to DIY, but I just couldn't have the time to do active research on the various stocks, which can be quite dangerous if the fundamentals of the stock change and you could not react accordingly in time.

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This is when I started to use Robo investing, the main rationale behind is for people who don't have the time and energy to actively manage, which I'm quite happy by its results too.

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In short, currently I do have a mixed proportion in stocks that I've DIY and in Robo, and since you have started in Robo, you may not need to fully withdraw the funds, perhaps you can start off by withdrawing a portion of it if you felt that you're ready to dip into the open market on your own.

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All the best and be heedful my friend!