Is the DBS digiPortfolio a better investment vehicle than the STI ETF?
This is my investment journey thus far. It is short: 4 months period to gauge performance.
I invested $4000 into DBS Robo investing, allocating all in Asia Comfy and cruising. In two months (even with coronavirus situation), I had gained $80 ~2.1%
I also do DCF into DBSsingapore STI index. The gains so far are flat.
I am aware that the Asian Robo investing vehicle I am using has the STI index component in it, but is it a better investment vehicle versus the DCA approach that I do in DBS STI?
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4 months is too short a time period to gauge performance of investments. Any loses or profits can be attribted to luck.
Personally, STI's returns are stagnating and I would refrain from being too vested in it. I would look for a more diversified portfolio (e.g. robos) which consists of different asset classes (e.g. bonds/precious metals/equities) or different regions (EM/developed countries) which can hedge against the different economic cycles.
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Maybe the DBS Asia is underdiversified, still expensive compared to feasible and less restricted DIY: https://blog.moneysmart.sg/invest/dbs-digiportf...
...and compare STI ETF performance also with that of SP500
for more on my thinking:
https://seedly.sg/questions/what-is-your-genera...