Anonymous

18 Apr 2019

∙

How do I decide as a new investor, between investing in STI ETF or SSB?

I'm 25, new to investing, and I'm deciding what to start with. How should I decide whether to invest in STI ETF, SSB, or a split between both? If it's a split, how much would you recommend the split to be?

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HC Tang

11 Oct 2018

Financial Enthusiast, Budgeting at The Society

Actually they are very different.

1) SSB is low risk and works more like a long term savings of more than 2% interest

2) STI ETF is an ETF of the top 30 bluechips stocks by market cap in SG. It is an equity invesment.

Instead of just the 2, recommend to read this starting guide by Seedly, which has a better balance approach for starters:

https://blog.seedly.sg/working-adults-easiest-w...

Happy Investing :)

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Brandan Chen

11 Oct 2018

Financial Planner at Manulife Singapore

Firstly, why STI if you are a new investor?

As for SSB vs STI, SSB offers guaranteed returns over the period of 10 years, whereas STI relies on the performance of the underlying stocks/equities. Hence, what is your risk profile, investing horizon, and investment goal?

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Am I able to continue the investment category for DBS Multiplier and Invest Saver continuity by another 12 months buying into a new ETF, but still continuing the STI ETF?

I'm a fresh grad, new to investing here. Does it make sense for me to invest in both STI ETF and Robo-Advisors to diversify? What should the split be in terms of how much to invest?

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