Robo advisor 90/10 stock to bond allocation, vs. SCB IWDA - CPF SA 90:10. What are the pros and cons of each? Am thinking of doing DCA monthly?

There will never be a strategy tt everyone agreed on. What matters most is a piece of mind.. Rmb - jus stay the course.

Cost is a concern in the long run. From e options u posted, i would giv robo a miss.

Hi Anon,

Let me try to answer the part on CPF SA. CPF SA does not act like a bond from a perspective of asset allocation and forming an investment portfolio because

1: You cannot rebalance it

2: The returns of CPF SA is largely dependent on government policy, since the current benchmark rate is much lower than the floor rate.

In that sense, it is not a like for like comparison.

One more point to note, you may want to check the geographical exposure of the robo platform that you are considering against IWDA. IWDA only covers developed market, while the robo platform may cover global markets, including emerging market.