Hi Anon,
I think it depends on what your long-term goals are, as well as your risk appetite.
Equity100 aims to maximise long-term growth with 100% exposure to equity. But this also comes with high risk and volatility, especially during market corrections/crashes.
Global ARI and Core portfolios make use of asset class diversification. Global ARI aims to minimise downside risk while Core aims to maximise long-term, risk-adjusted returns. From what I understand, Global ARI has more focus on maintaining the value of the portfolio while Core aims to achieve higher growth based on your risk appetite. Core also has a higher allocation of its portfolio in China markets, which both Global ARI and Equity100 severely underweight.
So if your goal is to maximise long-term returns and you have a high risk appetite, Equity100 will be the best option for you. This is popular among young investors who have a long time horizon to build wealth.
If your goal is to preserve wealth with moderate growth (ie medium risk appetite), then Global ARI may be more suitable for you. This can be useful if you're intending to retire or pull your money out in a few years' time.
If your goal is long-term growth and you have a low-medium risk appetite, one of the Core portfolios will likely be a good option for you.
If you're unsure of what your risk appetite is really like, perhaps you could try spreading your funds across a few portfolios and see which you're the most comfortable with for the long run. That's the most important thing - sticking your investments through the years.
Hope this helps!
Regards,
thefrugalstudent
Hi Anon,
I think it depends on what your long-term goals are, as well as your risk appetite.
Equity100 aims to maximise long-term growth with 100% exposure to equity. But this also comes with high risk and volatility, especially during market corrections/crashes.
Global ARI and Core portfolios make use of asset class diversification. Global ARI aims to minimise downside risk while Core aims to maximise long-term, risk-adjusted returns. From what I understand, Global ARI has more focus on maintaining the value of the portfolio while Core aims to achieve higher growth based on your risk appetite. Core also has a higher allocation of its portfolio in China markets, which both Global ARI and Equity100 severely underweight.
So if your goal is to maximise long-term returns and you have a high risk appetite, Equity100 will be the best option for you. This is popular among young investors who have a long time horizon to build wealth.
If your goal is to preserve wealth with moderate growth (ie medium risk appetite), then Global ARI may be more suitable for you. This can be useful if you're intending to retire or pull your money out in a few years' time.
If your goal is long-term growth and you have a low-medium risk appetite, one of the Core portfolios will likely be a good option for you.
If you're unsure of what your risk appetite is really like, perhaps you could try spreading your funds across a few portfolios and see which you're the most comfortable with for the long run. That's the most important thing - sticking your investments through the years.
Hope this helps!
Regards,
thefrugalstudent