Anonymous
Should I sell away all my individual equities and buy into robo?
I've started investing about 10 years back but was never really good at it. Bought a few losing stocks (keppel, singtel, starhub etc) during the earlier part of my investing journey and currently still making a loss on them. My portfolio seems to be perpetually down around 18-20% (not including dividends).
My current ROI including dividends ranges about +0.6% to -0.4% annual. I'm torn between buy and hold and pray for the losing stocks to grow while still collecting dividends or just sell everything and invest in robo. These stocks takes up about 25% of my total portfolio and I have another 20plus years of horizon.
Any advice?
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Jared
23 May 2021
Product Manager at Tech Firm
Like most of the valuable comments have stated. Can look into investing into ETF (kweb, voo, qqq, hst) with different geographical exposure.
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If you're too busy to study to market. Maybe putting more into robo is a good idea.
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I would suggest reading up more on the concept of investing and compounded returns before considering paying high expense ratios through RoboAdvisors. Essentially, RoboAdvisors automate your funds through ETFs, and you can do that yourself for cheaper.
That said, I am a still supporter of building my portfolio of investments in Value-Growth companies to compound my capital in excess of the market average (10%) over the years. I would recommend checking out the following books to learn more about Value Investing before you make a decision to invest your hard-earned money.
Common Stocks and Uncommon Profits
Book Depository ships books at affordable pricing to Singapore too so I personally use it to get my US investment books.
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Yes, it seems your circle of competence for investment is more like circle of comfort zone, investin...
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Have u done your own reflection on why u kept on investing in losing stocks?
What mistakes have u made?
Are u willing to DIY?
What went wrong?
If u don't intend to learn from your mistakes and what went wrong, then DIY might not be a good fit for yourself.
Hope your investment journey will be a good one, considering u still have 20+ years. There are a lot of other ways out there other than DIY.
Good luck!