facebookI have decided to do DCA into some ETFs and some stocks, any thoughts on my portfolio? - Seedly

Anonymous

25 Jul 2020

General Investing

I have decided to do DCA into some ETFs and some stocks, any thoughts on my portfolio?

I have decided to put in:
US$200 in VOO (DCA monthly vis FSMOne)
US$ 200 in VT (DCA monthly via FSMOne)
S$2000 in First REIT for dividends (lump-sum via DBS Cash Upfront)

First REIT would be a stock I will hold for dividends, because the yield and financials are pretty good imo.

Any thoughts on how I can improve this portfolio would be greatly appreciated. Thank you!

Discussion (5)

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Joey Gaeth

25 Jul 2020

BSc Economics at London School of Economics and Political Science

I agree with Sharon and X_Y in terms of buying First REIT now for purely dividends. Do make sure that you've done your research if that's the only sg stock and reit you're going to be buying. Do not be enticed just by their "pretty good dividend yield". Because there are reits offering higher than that but are u confident of its growth and stability? If the reit crashes like Eagle Hospitality did this year, you might be in a bit of a financial setback if you're still a student (i'm assuming from the amount you're investing).

In terms of your DCA in VOO and VT, i think that's a good allocation and a great way to start. However, do understand that these are US-domiciled etfs and you're entitled to a 30% withholding tax. I'd recommend taking a look at IWDA instead of VT, and CSPX/VUSD instead of VOO.

Chris Susanto

25 Jul 2020

Founder at Re-ThinkWealth.com

First of all ask yourself, do you understand the characteristic of the management and companies your are investing in?

Do you understand the intrinsic value of the assets?

Do you understand your character?

If the answer is yes, it is a matter of finding MORE opportunities and priotizing those that are most attractive. Eg: Those with higher price to value gap.

So with regards to your current portfolio, you should ask yourself how much you understand those investments.

Asking from others in my view, can be tricky, because they may have different goals than you.

If you are interested, I teach the craft here

Great idea to do DCA. Let me help you out a little here to improve your DCA approach.

VOO:-Ther...

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