facebookShould I sell away all my individual equities and buy into robo? - Seedly
Seedly logo
Seedly logo



Posted on 10 May 2021

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?


12 answers

Discussion (12)

Frankie Rappaport

Frankie Rappaport

Level 16. Sage

Updated on 11 May 2021

-sell individual stocks: Yes

-robo advisor: possibly No

-perodically buy and hold for ultra-longterm a passive MSCI ACWI ETF: YES




Kylie Ng

Kylie Ng

Level 9. Genius

Posted on 11 May 2021

Hi Annon,

There must be a reason why you bought into the stocks 10 years ago and why aren't they performing. 10 years is a really sustantial amount of time and with so many robo platforms now, they can be an alternative to use for yourself.

But note that every investment platforms do have risks involved as well. There are also other platforms (other than the robos) available if you just want to invest into funds and DCA them regularly.

DCA into funds for the next 20 years would probably be a better choice if you want something with low maintenance, Robo platforms are an alternative.

I think Frankie shared a pretty exhaustive link of ETFs and things to look out for as well.



Hi Anon,

Perhaps you should reevaluate the stocks that haven't been doing well. Some questions to p...

Read 10 other discussions with a Seedly account

You will also enjoy exclusive benefits and get access to members only features.

Continue with Facebook
Sign in with Apple

Sign up or login with an email here

Write your thoughts