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DBS

FSM One

Regular Shares Savings Plans (RSS/RSP)

Investments

Online Brokerages

ETF

Unit Trust

DBS Invest Saver vs FSMOne RSP for a beginner - which is better? Is it better to invest in ETFs or unit trusts?
I
Irfan
Level 3. Wonderkid
Updated 1h ago
Invest Saver has one of the lowest fees when it comes to RSP w no minimum fees. However it only has 4 ETFs which you can invest in. FSMOne has a miminum fee of SGD1 but offers a lot more ETFs, including overseas ones. If you intend to only invest in SG ETFs, go DBS - IS.
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Investments

Passive Income

Robo-Advisors

ETF

Online Brokerages

Unit Trust

For someone who doesn’t have time to manage investments due to work, what are the ways to invest passively without having to monitor?
Hi Anon, I would suggest going for FSM RSP into S&P 500 ETF (IVV, VOO). The RSP amount is as low as US$50/month and the fees are very competitively lower than to robo-advisor. With a given long time horizon and dollar cost averaging monthly, you need not monitor frequently as you will still be benefit from volatile market. This would probably save your time to focus on your career. Hope this helps!
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Commodities

ETF

Investments

Online Brokerages

What is the best Silver ETF?
Frankie Aufhauser-Rappaport
Frankie Aufhauser-Rappaport
Top Contributor

Top Contributor (May)

Level 9. God of Wisdom
Answered 15h ago
SLV (large and comparatively cheap: TER = 0.50%)
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Supplementary Retirement Scheme (SRS)

Investments

Online Brokerages

ETF

Robo-Advisors

Stocks Discussion

If I have $80k in my SRS account and looking at a timeline of 10 years, what is your recommendation for investments?
Hi Alicq, When you are looking at a 10 year time frame, I presume you are investing with the intention to start the first withdrawal 10 years from now. In this case, there are many ways to invest your SRS monies. Some of them include - SSB - They are low returns but guaranteed and mature in 10 years. Rates now are a little low though - Unit Trust - Depends on what you buy, there are both bond, equity and balanced funds available. - SG listed Stocks/REITs - The market has thrown up some good opportunities, so you may consider getting some shares - ETFs - There are some robo advisors which allow SRS - Single Premium Annuity - Guaranteed returns with potential upside. In deciding which one is best (or even a combination of two or more of them), we actually need to take into account your overall picture as well as your personal preferences. SRS is meant for supplementing your retirement and hence it will be important to know what other assets you have for retirement, such as CPF, existing stocks, existing plans. Then, depending on what kind of assets you already have, or intend to have, you can plug any gaps with products available on SRS. The end goal will be to create multiple layers of income that are predictable , inflation hedged , and have low volatility . So it will be more prudent to see how SRS can come in to supplement your current assets as part of the big picture of retirement. I would suggest that you have a conversation with an advisor so that you can integrate SRS into your overall retirement planning.
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Investments

COVID-19

ETF

STI ETF

Stocks Discussion

Robo-Advisors

Online Brokerages

Fresh Graduates

I am a fresh graduate who has never invested before, should I start investing now?
Hi Huay Chee, Since you are just starting out, I would suggest you understand your personal finances, of course investment included. I'm assuming you are employed at the same time! Before investing, you need to ensure to have an emergency fund of 6 months and basic insurance essential. This is all for the rainy day or any unforeseen circumstances. Thereafter, you will be able to allocate your resources better with your monthly salary. In my honest opinion, STI ETF is never a good investment to me as its performance has clearly lagged other major index. I would rather go for S&P 500 ETF, QQQ, IWDA and more. There are too many to invest if you ask me, but you should start off by investing in a diversified index/portfolio. It really depends what you are interested in and your objectives cause SG and US investments work differently and also you need to further take a look at platforms that are suitable to your investment style. Hope this helps! Feel free to always consult a licensed financial services consultant or me for more personalised advices. All the best!
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Investments

Stocks Discussion

Robo-Advisors

Online Brokerages

ETF

Lifestyle

When did you start investing and why?
Penny Chong
Penny Chong
Level 5. Genius
Answered 2w ago
I think the idea of investing was drilled into me by my finance prof in uni, who taught me the time value of money and cashflows. He preached me we should always invest or at least put your money in high interest savings accounts to counter the effects of inflation and I bought the idea bc it is indeed true. What I have learnt in my finance mod encouraged me to start learning beyond and putting some of my knowledge into action through actually investing myself! It has been an eventful journey so far :)
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SeedlyTV S2E07

Investments

Endowment Policies

ETF

Insurance

Investment Linked Policies (ILP)

Online Brokerages

Investing into ETF fund vs Endowment plan - which is a wiser choice given that I am an 18 year old investor?
I can't say which is a better choice. You should spend some time understanding both asset classes. One gives you the returns of the market, but it can also give you the losses. The other is a guaranteed return investment with downside protection and some upside potential, regardless of market conditions. Which would you prefer? (This, you have to answer yourself) If you have enough budget, there's also no harm doing both. Protecting our downside is part of risk management when investing. Endowments offer a way to do just that for a portion of your portfolio, without any intervention or management needed from your end.
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FIRE Movement

Robo-Advisors

Online Brokerages

Investments

ETF

Can anyone advise which trading platform to use for buying indices every month? Which index would u recommend?
Boon Peng
Boon Peng
Level 5. Genius
Updated 1d ago
Hello there! If your total portfolio size is less than 50 grand, you might want to consider krista.ai as they do not charge as commission fees. You might also want to look into IWDA etf offer by BlackRock. The dwt is half of 30%. Hopefully this will help you to make a better decision :)
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Investments

Stocks Discussion

Online Brokerages

ETF

Is it true that without any of following qualifications, I am not allowed to invest in ETFs listed in foreign stock market?
SW
Shaun WQ Lim
Level 7. Grand Master
Answered 1d ago
You will need to complete the required online courses if you do not have the qualifications or experience. You can check with your stock brokerage on the requirements. Example from POEMS: https://www.poems.com.sg/faq/trading/car-cka/when-is-the-sgx-online-education-available/
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Investments

Stocks Discussion

Robo-Advisors

ETF

Online Brokerages

Do you really need a robo-advisor when you are already investing in global ETFs?
Junior Loh
Junior Loh
Level 4. Prodigy
Answered 2d ago
No you do not need a robo-advisor. A robo-advisor should purely be there to complement your DIY portfolio. If the robo-advisor invests in a similar industry as what you already do, you are merely increasing your weightage on that industry and mitigating the benefits of diversification.
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