If i started buying shares on my own (cdp), does it still make sense to continue my POSB RSP of $100 a month?

Although I also hold individual stocks, and they performed quite well, the better and at least as effective choice is to invest passively into cheap ETFs.

the reason: individuals cannot be successful stock pickers over long term.

f.ex.: https://www.investopedia.com/articles/financial...

Hi,

I assume that you are asking about the opportunity cost of doing the RSP vs your own investing (picking your own stocks)

This really depends on your conviction level of the stocks you have picked and whether you think that these are likely to outperform the ETF that you are buying (I am assuming the STI ETF)

If you have done substantial due diligence in the stock pick and are comfortable in buying shares on your own, I personally feel that you should set aside that $100 for you to buy the individual stocks you have picked.

On the other hand, POSB RSP is good for people who have no time to pick stocks and do due diligence and hence, their performance will be pegged to market performance less the fees that they pay. These may also be useful in diversifying your portfolio.

Have fun investing!