Would you rather invest via roboadvisors or insurance agents? Why so?

I would try to avoid both to my advantage, and DIY it with passive indexing stock ETFs.

ROBO advisers if you would like for investment . Buy insurance plans from insurance agents. Separate the two.

Firstly, you need to establish whether you possess the knowledge, skills, experience, and time to manage your own investment portfolio. This is because Robo-advisor merely provides a platform for you to invest without any form of professional advice. With this in mind, it is important for you to be capable enough to manage the portfolio on your own.

On the other hand, some insurance companies partner with global investment firms like Mercer, and BlackRock to create an optimised portfolio for their clients to invest their money. Additionally, your agent should be capable enough to give you responsible advice on your asset management over time. This reduces the need for you to spend considerable time to manage the investment on your own.

Having mentioned that, you should still have a basic understanding on the financial instrument that you are investing into (be it Robo-advisor or unit trust through an insurance company). This ensures that you are comfortable putting your money to grow for the long run.

I share quality content on estate planning and financial planning here.

Because i just didn't want to occupy my mind with money-related stuff, i bought an investment-linked plan from my insurance advisor from company A before, but my friend working for company B reviewed it and said that my insurance advisor should have opened a sub-account called EAO so that my plan can break even faster.

i didn't know what EAO stands for. and still don't know because i can't bring myself to google and understand the specifics of my ILP, haha

so anyway i thought it was high time that i took a more proactive role in my financial journey (became a father last year, this is really a life-changing event that shook up my relationship with money). signed up for a StashAway account, invested my SRS funds with it and am reading up on what each robo-advisor specializes in.

i like how the founders of these robo-advisor explain the investing philosophy behind their products. this transparency helps me suss out what will be best for me.

i think this is great for a start: https://www.youtube.com/watch?v=L7Kj3iMK7cM&t=261s ( seedly tv - robo wars - choose your fighter) as it gathers all the CEO/CIO of the major robo-advisor players for a discussion.

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