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Yh.lens

21 Years Old Retail Investor, NUS Biz Student, Freelance Photographer, Blogger

Yh.lens

Top Contributor

Writer at Investing Beanstock

About

21 Years Old Retail Investor, NUS Biz Student, Freelance Photographer, Blogger

Credentials

Writer at Investing Beanstock

Yh.lens

Top Contributor

Writer at Investing Beanstock

  • Answers (131)
  • Questions (0)
  • Reviews (0)

Investments

Robo-Advisors

Syfe

StashAway

Is there any difference between Syfe's Equity 100 and the equity in Stashaway?
What a timing! I recently just wrote an article on the differences between Syfe and Stashaway which you can check out by clicking the link here. In essence though, the most simple way to understand the difference is this: Syfe Equity100 : 100% Equities (Stocks) -- HIGHEST RETURN IN THE LONG RUN Syfe REIT+ :100% S-REITs -- HIGHEST DIVIDEND YIELD (INCOME PORTFOLIO) Stashaway General Investing (6% risk -36% risk) -- LOW TO MEDIUM HIGH RETURN (With most downside protection) So it all depends on what you are looking for. If you want the highest risk adjusted returns in the long run, nothing can beat Syfe Equity100 simply because equities will generate the highest returns over a long time period and absolutely crush any other asset classes like properties, bonds or gold. So ask yourself, how long are you gonna stay invested? Once you figure this out, the right portfolio will be right in front for you to start. If you have more questions, do leave a question here. Hope this helps!
👍 2

Investments

Savings Accounts

Undergraduate

23 years old male undergrad, $42k savings but still have study loan liability. Any comments on my fund allocation and investment advice?
If I were you, I'll allocate at least around 20% for investment. So in your case, that will be around $8400. You can deploy this inside a Robo either Syfe or Stashaway would be good. Choose around a moderate risk range of around 12%-15% so you are still enjoying growth with downside protection. Puttint all $42k under save haven assets with low yield is really wasting the higher returns you can achieve, not only that, but when you graduate your interest payback for the loans are gonna be the standard 4.75% compounded yearly. Is you current rates even matching 4.75%? I think not. So go ahead and allocate some into investments to capture higher returns, but since your time horizon may not be too long, choose a diversified portfolio so you hedge your risk accordingly.
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Investments

Stocks Discussion

Robo-Advisors

S&P 500 Index

Roboadvisor VS S&P500?
You can check out my article on the comparison between Syfe and Stashaway here. In essence, choose Stashaway if you have 25k or more to invest due to their high fees if you have less than 25k (0.8% +0.28% ETF expense ratio) If not, the answer is obvious to choose Syfe Equity100 since it gives you the highest risk-adjusted return in the long run since it is 100% equities. You can also check out my article on Equity100 here to find out more information. Currently, both Syfe and Stashaway's portfolios are outperforming S&P 500. You can view the data on the link I shared above between Stashaway and Syfe to find out more!
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Robo-Advisors

Investments

Syfe

StashAway

Online Brokerages

Between Syfe equity 100 vs Stashaway 36% which one is better for the long term?
You can check out my article on the comparison between Syfe and Stashaway here. In essence, choose Stashaway if you have 25k or more to invest due to their high fees if you have less than 25k (0.8% +0.28% ETF expense ratio) If not, the answer is obvious to choose Syfe Equity100 since it gives you the highest risk-adjusted return in the long run since it is 100% equities. You can also check out my article on Equity100 here to find out more information. Hope it helps!
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Robo-Advisors

Investments

StashAway

Syfe

Should I invest in stashaway 36% risk or Syfe Equity 100? I plan to invest for the Long term and I am aware that stashaway invests in gold which I read that it isn’t a good Long Term Investment?
You can check out my article on the comparison between Syfe and Stashaway here. In essence, choose Stashaway if you have 25k or more to invest due to their high fees if you have less than 25k (0.8% +0.28% ETF expense ratio) If not, the answer is obvious to choose Syfe Equity100 since it gives you the highest risk-adjusted return in the long run since it is 100% equities. You can also check out my article on Equity100 here to find out more information. Hope it helps!
👍 0

Syfe

Investments

Robo-Advisors

Online Brokerages

Which Syfe portfolio to choose and invest?
Hello! Congrats on starting your investment journey! Starting is always the hardest so it is great that you have decided to do so via Syfe. I have written a review on Syfe here as well as a review on the Equity100 portfolio here to find out more information on Syfe. Do check it out and let me know if you were able to make a decision! Cheers
👍 0

In the News

Career

Salary

Is minimum wage really a bad idea?
Minimum wage as a concept, is a really great way to protect the needy and ensure that minimum cost of living is being provided for. However, the reason why minimum wages is a bad idea is due to several reasons: 1. Higher tax for everyone(to provide for social welfare and min. Wage) 2. Reduce productivity (People will be less motivated to work harder since they can just enjoy the minimum wage even if they slack) 3. Dwindling economy in the long run (as a result of a fall in productivity) 4. Everyone becomes poorer (brain drain + lower salary + lack of economic activity) Case studies around the world such as countries in Europe whereby minimum wage are provided have shown that it leads to reduced productivity levels throughout the entire economy and higher tax margin on middle class and upper class as a result. This then lead on to the phenomenon of "brain-drain" as the more capable people will want to go somewhere else with a more advantageous tax margin. There is a reason why higher net worth individuals from the Western World would move to Singapore simply because of the lower tax margin incurred on them compared to their country. Singapore being a Capitalist state, is built on the foundation of meritocracy so the more effort you put in, the more rewards you reap. Minimum wage is more tilted towards Socialism and will become popular when the economy is bad for a prolonged period of time. Conclusion: Min. Wage is generally a bad idea in Singapore's context due to the nature of our economy (Capitalist State) and by having a minimum wage you will have to trade off economic growth and productivty for more social security. Opportunity cost in the long run is substantial if local talents were to migrate somewhere else with better opportunities and lower tax brackets if minimum wage were to be put in place. Just my two cents. Opinion and views based on a capitalist
👍 6

Investments

In the News

Shall I just buy FB, Apple, Microsoft regardless what is the current price to start first? Or should I wait lower?
Why FB Apple and Microsoft? Are you buying based on price? If you are, you don't understand fundamental analysis or intrinsic value so you are better off investing in index ETFs or Robo advisor. Buying by looking at price means you won't be able to know when to sell. What if you buy at $250 for Apple, and then in the next 5 months, it drops to $100. Do you sell Apple? Or do you buy more? Without knowing the fundamentals you will never understand what to do next. Buying is just one part, selling is the most difficult part most people don't understand.
👍 0

Personal Finance Books

Fresh Graduates

Personal Finance 101

Investments

Hi there! I'm new to investing and would like to ask if there are any 'easy to digest' books to recommend for starters like me?
One up on Wall Street (By Peter Lynch) or The little book that beats the market (By Joel Greenblatt) are perfect choices
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Stocks Discussion

Investments

What are some of your favourite quotes on investing mindset that you have come across?
"In the short run, the stock market is a voting machine but in the long run, the stock market is a weighing machine" - Ben Graham. This quote is always here to remind me that fundamentals will always be the reason why stocks go up because it won't lie. But in the short run market noises and sentiments can drive up a stock even if its fundamentals are shaky (think Tesla). So this quote is always here to tell me to think like an investor by sticking to a long term view instead of a short term one and to ignore all market noises! Another one I really like is "Know what you own and why you own it" -Peter Lynch We have to understand what stocks we own so that it is within our circle of competence. If we don't understand what we own and just buy it, you will never know when to sell it since you don't know why you bought it in the first place. So this quote really reminds me to stay within my circle of competence and only invest into things I understand and not speculate. I have many many more quotes that really inspires me but at the end of the day, these quotes are here to condition you to think like an investor instead of a speculator. So stick long term and think long term. If you buy a stock for the long run, you should not think about selling it unless there is a change in growth story or fundamentals are weak. Cheers!
👍 0
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