In this forum, there are topics around diversification of assets and passive investing. Do you think it makes sense to invest in both CPF OA & SRS in Endowus?

Hi Anon,

I personally am sticking to one simple investment strategy for all my investments, which is to be globally diversified, passively allocated across equities and bonds, and investing consistently in a low cost manner.

I don't see that there is a need to diversify across brokerages and roboadivsors, into cryptocurrencies, golld etc. Diversification for the sake of it is confusing and sometimes it uses a lot more work than necessary. Hope this helps!

I would prioritise investing SRS in Endowus because funds left in SRS only earn a miserly 0.05% p.a. where as CPF OA earns up to 3.5%.

Having said that, there is also nothing wrong in deploying funds from both into Endowus or for investment-related purpose.

The most critical factor for most is probably ensuring you have enough CPF OA for the downpayment of a property you intend to purchase in future or to finance your future/existing mortgage loan for X number of months as a buffer in the event you lose your source of income(assuming you finance your mortgage by CPF OA).​​​