AMA First Investment
Asked by Anonymous
Asked on 31 Jan 2019
In general, you should be looking at :
Mornningstar did a study few years back on fund fees in relation to performance.
In short, the cheapest funds perforrm the best.
Please do not take my statement at face value and do your research
The one ETF everyone knows about is certainly not diverse in nature (The STI ETF). Consider the all-in cost including any account fees, trading fees, managing fees, rebalancing fees. Recognize that this is designed to be a long term decision.
Diversification should come across sectorally, not globally - meaning that it should be widespread across sectors like consumer staples, financials, tech, etc, not across countries like China, US, Malaysia, etc. Which is a little bit why the STI is a piece of gunk.
You could do much better than an ETF, but its your call.