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Aidan Neo

Portfolio Strategist Investment Analyst Industry Game Changer

Aidan Neo

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Financial Services Consultant at Manulife Financial Advisers

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Portfolio Strategist Investment Analyst Industry Game Changer

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Financial Services Consultant at Manulife Financial Advisers

Aidan Neo

Top Contributor

Financial Services Consultant at Manulife Financial Advisers

  • Answers (151)
  • Questions (0)
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Investments

Robo-Advisors

Online Brokerages

Stocks Discussion

ETF

REITs

Property

What is the difference between managing my investments myself and putting it with roboadvisors?
Hi Anon, As diversification is always mentioned, we need to understand the objectives. Robo-advisor is just a platform, the underlying investment is the main key. Diversifying into an index may change the picture of your portfolio such as the risk exposed or projected yield. It's best to construct a sector allocation diagram to fully understand your portfolio diversification. From there, you can make decisions on which market/index that you can further diversify to.
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Investments

Singapore Saving Bonds (SSB)

ETF

Savings

Savings Accounts

Robo-Advisors

Stocks Discussion

Online Brokerages

I am a fresh grad with about $40k in my savings accounts. I want to start doing long term investments but I am overwhelmed by the options I have. Any advice?
Hi Anon, I hope you have your essential insurance settled out at the same time. For long-term investment with your current lump sum (excluding emergency fund and short-term liquidity needs), you can construct a diversified portfolio with different asset class. Whether it is SSB, ETF, REITs, UTs, deeper analysis of personal risk tolerance and understanding its natures has to be carried out. Subsequently, you can continue RSP into the portfolio to build it up and stay invested proportionally. There are way too many options for you to pick from, so you might want to work with a competent financial adviser to help you with discovering your suitability.
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Investments

Insurance

Online Brokerages

What are some good pure investment plans you would recommend?
Hi Anon, If it's for pure investing without the needs of the ILP pros, why not just go straight to an investment platform like IFAST where you still can RSP accordingly and make flexible changes should you required. In the future, where you want to explore stocks yourself, you can able to purchase through there too. However, do work with your agent closely as you are paying him the wrap fees to manage your portfolio. Always ensure vested interest is accounted for and you will be able to free yourself time to focus on your career, family, and your leisure time.
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Investments

Stocks Discussion

Online Brokerages

I do not have 6 months of earnings but i want to invest in shares/stocks like starbucks for instance. Any advice?
Hi Anon, The 6 months is to play safe for all instances. It's all about risk management. If you are investing without an adequate emergency fund, you are exposing yourself to the risk of needing to liquidate your investment in the event of unforeseen circumstances. The worst part is your portfolio is at a loss and you have no choice but to realise the loss. So weigh the pros and cons, opportunity/risk cost. Hope this helps!
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Retirement

Investments

Dividends

REITs

Stocks Discussion

Online Brokerages

Property

How much does one have to invest in to get a dividend of $500/mth? I hope to have advice from someone with more experience. Also, what is the best to invest in long term for dividends?
Hi Anon, Dividend depends on your dividend yield of your portfolio. If I'm assuming a 4% dividend yield portfolio, i'm looking at a $150,000 portfolio to achieve $6000/year. Therefore, the number changes with your dividend yield. But realistically speaking, 3-5% is a good range. For dividends, more straightforward, you will be looking at REITs and local banks as they do have an attractive dividend yield, however do your own due diligence because any capital loss will also hit you bad. Look for companies who has a stellar track record on dividend growth and good sustainable business. Last but not least, there are also bond funds you can integrate with your portfolio. Diversify your portfolio accordingly and have an average yield which achieve your objectives. Do take note of your capital preservation and portfolio growth too. Everything should have a balance. All the best!
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Investments

Passive Income

Robo-Advisors

ETF

Online Brokerages

Unit Trust

For someone who doesnā€™t have time to manage investments due to work, what are the ways to invest passively without having to monitor?
Hi Anon, I would suggest going for FSM RSP into S&P 500 ETF (IVV, VOO). The RSP amount is as low as US$50/month and the fees are very competitively lower than to robo-advisor. With a given long time horizon and dollar cost averaging monthly, you need not monitor frequently as you will still be benefit from volatile market. This would probably save your time to focus on your career. Hope this helps!
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Investments

Online Brokerages

Brokerages

Stocks Discussion

Trying to invest in foreign stock market, any suggested brokerages?
Hi there, I would suggest Saxo/TD for portfolio below $100,000, thereafter, IB would be the best for portfolio above $100,000.
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Investments

Savings

Savings Accounts

Robo-Advisors

Online Brokerages

Stocks Discussion

ETF

When you have saved up your emergency funds, is it recommended to invest part of it?
Hi Anon, We should never touch our emergency funds as it should really serve for its purpose and the last thing we will want to do is cash out our investment (worst still at a loss) to fill up any emergency liquidity needs gap. Invest the excess instead! There is certainly no hurry to start investing if you have not established a fundamentally strong base. You may also consider doing regular savings at a small amount should your circumstances allow. Hope this helps!
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Investments

Stocks Discussion

Online Brokerages

Endowment Policies

Savings

Savings Accounts

How does compounding work? Will "buy and hold" or "time in the market is more important than timing the market" always prevail? What does it apply to?
Hi Anon, More than often, the 2 golden rules always prevail as long as you know what you are investing in. I can't say the same if you decide to channel your money to vehicles like penny stocks. And yes, compounding works the same for cash in bank, endowment, and investment. It's about using your interest earned to generate more interest. What you should be concerned is the rate of compounding. 0.05% and 5% make a huge difference over an extended long period of time. Hope this helps!
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Investments

ETF

Online Brokerages

Can you earn from ETFs, even though they match the index instead of beating it?
Hi Anon, You mean earn as an investor? It depends on the market performance I suppose, and nothing to do with the asset class. However don't expect yourself to outperform the market in any case since the purpose of ETF is mimic the performance of an index closely.
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