Am a 20y old poly student is investing $300/month. Willing to take as much risk as possible and lose up to 50% of my wealth?

Tbh, i don’t know why you are using so many different portfolio at once, since you are looking to maximise returns by taking on higher risk, you should be allocating the most to Equity100 instead.

I feel like you want to diversify by using 4 different portfolios but it’s very suboptimal given your capital.

My recommendation for you is to concentrate on Syfe Equity100 instead, and couple it with a few growth ETFs such as WCLD, ICLN, SOXX and ARK ETFs of your liking.

Essentially Equity100 will become your CORE holding and those ETFs can be your SATELLITE holding.

The reason stashaway is not optimal is because with your Low capital (<25k), you’re actually paying 0.8% annually to them for a portfolio which focuses on downside risk.

Equities beat the hell out of any other asset class in the long run, so if you are young and able to take risk, you should be allocating to equities because businesses grow over time.

Personally I am 22 this year, holds 100% equities + crypto, my 2020 annualised gains was 78+%.

Hope this helps!

Unpopular Answer: Invest in yourself and increase your earning power in the future

Hi there,

I'm not sure why are you holding on to so many portfolios. This will have the effect of "Over-diversification".

I will recommend you use to close down the StashAway portfolio that is at 30%.

on a personal level, I hope you know that other than the management fees by StashAway, there is also the ETF expense fees. Which means, end of the day, you're paying about 1% or so. Hence, I will recommend you to choose between StashAway 36% risk portfolio or Syfe Equity100, for the growth portion.

As for the Income portion, I will guess you to use Syfe REITs without risk management rather than the StashAway Income portfolio. As this portfolio purchase to the individual REITs directly, so the fees that you're paying will only be the management fees by Syfe.

Agree with yun heng, really no point over diversifying given that your capital isn't huge to begin with. Focus on one or two portfolios and let it compound better

Is your investment long term or are you planning to use it within the next few years? If you can tank up to 50% loss, just max risk and ride it out.

Stashaway

5.4k- 36%

Syfe

2.1k - 100% equity ,

1.2k in reits aint gonna give you good dividends.

Consider this article by yun heng, it gives a bigger perspective about the 2 products above. In the end, you have to make the decision since the money is yours. We can give all the advice here but whether you wanna use it is another thing. ATB.

https://investingbeanstalk.wordpress.com/2020/07/31/syfe-vs-stashaway-which-robo-is-better/

Hi, are you investing more for capital appreciation or more to generate passive income? :)