facebookWhich is better: DIY invest @ S$100 /month in each of 4 ETF RSP by Nikko-Am (STI , ABF, REIT, Corp. Bond) for a year on DBS invest saver OR digiportfolio Asia for $4000 at once, if I can afford both? - Seedly

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Which is better: DIY invest @ S$100 /month in each of 4 ETF RSP by Nikko-Am (STI , ABF, REIT, Corp. Bond) for a year on DBS invest saver OR digiportfolio Asia for $4000 at once, if I can afford both?

I already have some funds in T-bills and SSB. With savings of S$1000 /month, I am planning to invest in equity ETF but confused whether to go for RSP or lump some. I am also willing to go for the Global digiportfolio to diversify but it doesn't allow beginners to do that. In case I go with RSP, how else to invest the S$5000.

0.85% fee for RSP ETFs and 0.75% annual fee for digiportfolio.

First investment. Moderate risk profile. 30 year old. Mostly invest for long term (5-8 yrs).

Discussion (12)

What are your thoughts?

Lump sum is better and gives higher returns 2/3 of the time. This article by vanguard explains some of the advantages of both methods. https://investor.vanguard.com/investing/online-...

The markets tend to go up more than they go down, so generally lump sum is a good idea.

But if this is too daunting for you, I totally understand, you should just dollar cost average if it gets you started. You should start investing rather than let the money sit idle.

With regards to both, I would prefer digiportfolio to access the global markets. Singapore markets are not doing fantastic compared to global markets. If the digiportfolio gives exposure to Asia at least it is better than just investing in Singapore markets.

Have you considered other robo-advisors? Many offer far more diversified portfolios than the 2 options you've listed here

It is best to invest in a lump as it will give higher returns then dca most of the time. Also, it wi...

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