Passive(Robo) investing Vs Active Investing?

It depends on what you mean by active investing, how much and how frequent you trade,

Active investing in SGX often means that minimum commission is $10, not including GST and SGX fees.

Do note that just because many of these robos are investing in ETFs that is tracking indicies, doesn't mean that investing through these platforms are passive investing. Some of these investments actively trades with sizable changes in portfolio allocation so it is really hard to say that these are "passive investing".

I do my own ETF passive investing through interactive brokers for my cash portfolio and I stick to a strict portfolio allocation - that is true passive investing using passive instruments.​​​

I’ll give you another perspective, say you have $100k now, how sure are you that you’ll be able to suddenly switch from passive to active investing? How confident are you that you’ll be successful in getting higher returns?

If you can’t manage a small sum of money, you can’t manage a large sum of money.

Managing a smaller sum gives you room to make more errors. Learn from them, and invest in ourselves.

If you were to be down 20% on a 1 million dollar portfolio, you would’ve lost 200k. Compare that to if you were only managing a 10k portfolio

#1 passive Robo investing

#2 active investing

#3 passive self investing

given the cheapest online brokers, much reading on all relevant topics and regularly investing ultra-longterm into big and low cost well-diversified passive indexing ETFs

#3 would be the best choice

Before you start investing, it will be best to understand your objective. Here are some questions to help you:

1. What is your capital?

2. How will you want to invest your capital? E.g. lump sum or an amount on a regular basis

3. How long will you want to stay invested? E.g. 10 years

4. What is your risk appetite? E.g. How do you feel about short-term volatility?

5. What is your objective for investing?

If you are starting out and has limited capital, you may consider to adopt the strategy call dollar cost averaging. While it is not a foolproof investment strategy, it allows you to position yourself with a limited capital. Here is how it works: https://www.blog.pzl.sg/dollar-cost-averaging-s...

In addition to focussing on profitability, understand your objectives alongside with other factors such as risk appetite. Different instruments serve different purposes to help you reach your goal.

Here is everything about me and what I do best.