For POSB Invest-Saver, are there any UTs that are worth investing through RSP? Same sales charges of 0.82% but not sure if high fund expenses outweigh outperformance?

Hi anon,

I'd recommend you to give another platform a try, especially if you are doing it on your own; you shouldn't be paying sales charges. RSP for UT (with the intent of DCA) should be transactionally cost free.

Fund expenses, such as TER, and Management Fees, are already priced into fund NAV. So what you see (the NAV) is what you get. Skip the STI and go for more broadly diversified funds, a single country fund is quite narrow and focused and you will be taking on higher risk. Regional equity funds can be considered.

Did you mean Nikko AM Straits Trading Asia ex-Japan REIT ETF?

this seems decent low fees (all in like 1.1%) according to nikko website.

other UTs most likely have higher fees typically 5% range.

for potential higher yield, can check out posb/dbs digiportfolio. it is a basket of ETFs in Asia or Europe (i think). no sales charge but there is 0.75% annual fees on your portfolio amount.