Currently have $50 in stashaway only. Not dca-ing into stashaway now. Dca-ing 400 into etfs (200 into Nikko AM ETF and 200 into ABM ETF). Should I change the proportion and invest more into robo? - Seedly
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Anonymous

Asked on 03 Nov 2018

Currently have $50 in stashaway only. Not dca-ing into stashaway now. Dca-ing 400 into etfs (200 into Nikko AM ETF and 200 into ABM ETF). Should I change the proportion and invest more into robo?

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Asheesh Chanda
Asheesh Chanda, Founder at Kristal.AI
Level 6. Master
Answered on 22 Oct 2019

I think Nikko AM STI ETF is one of the best ways to get invested in the Singapore equity market. Given its expense ratio of ~0.28%, it should not be considered expensive. The only thing you should check if when you buy for 200$ each time (say monthly) how much brokerage do you land up paying. So if you are charged 5$ to buy 200$ of an ETF then it would be considered very expensive.

W.r.t ABM I would suggest evaluate a balanced Kristal like All Weather / All Rounder / Steady Growth based on your risk profile or just take any balanced portfolio of US Equities (SPY), EM Equities (VWO/EEM) and Gold (GLD) clubbed with Bond ETFs (try UCITS preferably LQDA or a BND, LQD)

Also, do run the algorithm at Kristal.AI (investments up to $50,000 are free) and see what that shows for your profile. Happy to help out if you need more info.

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Gabriel
Gabriel
Level 8. Wizard
Answered on 03 Nov 2018

Investing more into robo would be a great way to diversify your portfolio and gain exposure into the US market

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Yixiong Chang
Yixiong Chang
Level 7. Grand Master
Answered on 03 Nov 2018

By buying into etfs of your choice, you are actively taking a market view. By investing into stashaway (or other robo), you are allowing someone else to take a market view. You didnt mention which exact etf u are buying into and using which platform to do that. So you have to consider what is the risk exposure u are willingly to accept or want to go into. Also u have to consider the costs, what are your total cost involved for both methods (as %of investment amount).

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Lok Yang Teng
Lok Yang Teng
Top Contributor

Top Contributor (Apr)

Level 9. God of Wisdom
Answered on 03 Nov 2018

Depends on what you want to invest in. If you want to invest in foreign stocks/ETFs, then go with stashaway. If you're planning to DCA with Stashaway in local ETFs, then you should compare the management fees between those Nikko and Stashaway.

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