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Kristal.AI
12 May 2020
Content & Community at Kristal.AI
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Elijah Lee
06 May 2020
Senior Financial Services Manager at Phillip Securities (Jurong East)
Hi Harrish,
Unfortunately you can't do that, as the underlying holdings are ETFs, which themselves have underlying stocks/bonds. By going with robo, you cede control in return for automation.
What you can do is to understand what the ETFs themselves invest in, and then skew your allocation accordingly so that you are more heavily invested in the sectors or geographical regions you wish to look at. That's the best you can do to tilt it towards your preferences unfortunately.
If you desire even more precise control, then you will have to take up the investment decisions on your own and buy what you want to buy.
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Robo-advisors mostly investly in ETFs, so no you cant choose the individual stocks.
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Hi Harrish,
Most Roboadvisor advocate diversified and index based investing through low cost ETFs. This is based on the fact that time in the market beats market timing. Stock picking is typically done by fund managers and requires significant commitment of time and resources for a sustained period of time.
For investors, the most important thing to know is your risk appetite, your investment horizon and your personal situation. With that in mind, the next step is to make a plan and stick to the plan. A robo advisor can certainly help with that, as it's taking the emotion out of investing and does the heavy lifting (observing the market, rebalancing). Thus making it also time effective.
Having said that, please check out kristal.AI. Our platform lets you personalize your portfolio with a curated selection of over 200+ ETFs and ETF baskets. We charge zero fees for the first $50K invested. Find out more here: https://kristal.ai/