05 Jun 2021
For context, I'm in my early 20s and can afford to invest in the long run which is suitable for Equity100. But I would like to also invest in Core Balanced just as a safety net in case I want to withdraw earlier.
1) Would this affect my transaction fees?
2) Would this be an optimal investment strategy?
Tan Choong Hwee
05 Jun 2021
Investor/Trader at Home
Syfe fees are based on AUM, which is the total sum of capital/value across all the Syfe portfolio you invested. So, it doesn't matter whether you have only 1 portfolio or multiple portfolios.
It is a good strategy to divide your portfolio into different time horizons with different expectation on returns. Your thought process for investing in both Core Balanced and Equity100 is sound, although you don't need to split your capital equally to the 2 portfolios. Since you want Core Balanced as a safety net (perhaps as emergency fund or certain big ticket planned expenses like wedding, housing, etc.), you can set a target amount and time horizon to build your Core Balanced portfolio, and channel the rest to Equity100.
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