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DBS

DBS digiPortfolio

Robo-Advisors

Investments

Savings

Fresh Graduates

Lifestyle

Retirement

Savings Accounts

Stocks Discussion

Dbs digiportfolio?
Lok Yang Teng
Lok Yang Teng
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered 3h ago
I recommend to take your time to read and learn first then invest, not the other way round. You need not rush to invest now given that it will span across several decades based on your age. Do take a look at the composition of the portfolio (either Asia or Global) to see if it complements your investment philosophy and objectives. If it doesn't, you can explore other alternatives (other robos or RSPs) or take a DIY approach.
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Investments

I am considering investing in NASDAQ ETF - can someone explain the difference btw CNDX vs EQQQ? What are your thoughts on FSM vs SAXO as a platform in this case?
X
X_Y
Level 3. Wonderkid
Updated 3h ago
Key Differences CNDX LN Equity Currency: USD Expense ratio: 0.33% Fund Size: USD 5.50B Securities Lending: Yes EQQQ LN Equity Currency: GBP Expense ratio: 0.3% Fund Size: USD 4.02B Securities Lending: No You may also be keen to look into QQQ US Equity (INVESCO QQQ TRUST SERIES 1). It is one of the most popular ETF for Nasdaq with a USD 118.35B fund size that dwarfs the other 2 ETFs mentioned above, with a lower expense ratio too. QQQ US Equity Currency: USD Expense ratio: 0.2% Fund Size: USD 118.35B Securities Lending: No Additionally, these are some of the important questions to know before deciding which funds to invest in: - How has the NAV (price) been trending since inception? - How has the fund been performing quarter on quarter since inception? - How has the dividend been trending since inception? - How has the fund size been growing? - What are your probabilities to make/lose money? - What are your average (+) and (-) returns? - Is your fund outperforming or underperforming the benchmark? (For Unit Trust) You can find a list of useful charts and checklists to do your own analysis and answer the above questions via this link: https://dl.orangedox.com/fund-analysis-pdfs File Names: -INVESCO NASDAQ-100 DIST (EQQQ LN Equity)update040720 -ISHARES NASDAQ 100 USD ACC (CNDX LN Equity)updated040720 -INVESCO QQQ TRUST SERIES 1 (QQQ US Equity)updated040720 As for which platform is better, I can't comment much as I only use FSM. No harm applying for both and just try them out. To know more about what is Securities Lending: https://www.investopedia.com/investing/role-securities-lending-etf-returns/
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StashAway

Endowus

Investments

Savings

Savings Accounts

Should I put money that i would need in 1-2 years in the MMF?
Hi anon, Yes, you can certainly consider MMF. But you might want to keep it in a SGD denomination as you won't want currency fluctuations to erode your capital amount, assuming that you need the money in SGD. The returns should generally be better than leaving it in a bank account that just gives a 0.05% interest rate. Yes, the returns are not guaranteed, but due to the nature of the underlying assets, the level of risk is low. Just don't expect returns like 2% and you should be fine.
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Insurance

Savings

Investments

Has anyone used this tool called GoalsMapper? Any reviews please?
Hi anon, I have tried it and it's extremely flexible but most importantly, fast. I do my planning with good old pen and paper, with excel thrown into the mix, and basically GoalsMapper is able to provide calculations in a second, whereas I'd have to play around with my spreadsheets for a minute or so. This can really save time. However, the limitations of goalsmapper are that it is quite defined, so I am not able to easily map out scenarios such as the CPF SA shielding trick inside it, there's just no way to. Worth a shot for a good overview of your situation, but it won't be able to go too deep in terms of details and the finer aspects of planning.
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REITs

Investments

Stocks Discussion

STI ETF

Online Brokerages

Any insights on snail-moving Singapore dividend stocks? Why are these stocks hardly moving at all overall in a week?
Yh.lens
Yh.lens
Level 6. Master
Answered 7h ago
Did you buy the mentioned stocks because of dividend yields? If so you may be in trouble somewhere in the future. High dividend yielding stocks may have unsustainable payout ratios and if their gearing ratio is high (eg >38%~) they may not have enough cash for the short term. For your question, Yes, after Ex Div, the stock price will go down because the cash it was holding was distributed. Stock price should not matter much to you if you are holding a solid, dividend growing Reit/stock. Industrial REITs are defensive in nature and will be suitable for dividend plays. Retail REITs are more cyclical while office REITs are in between the two. Hospitality REITs will really depend on whether travel and tourism is booming but that won't be the case IMO for the immediate future. At the end of the day, come up with your own investing strategy and stick to it. Ignore the market noises and take comments online with a pinch of salt. That said, this is my two cents and you should take this with a pinch of salt too. Hope it helps
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Investments

Stocks Discussion

SGX

REITs

Blue Chips

Only invest in local stocks. Fundamentally wrong or right?
Malvin Tan WP
Malvin Tan WP, Writer at t.me/pwpfpodcast
Level 4. Prodigy
Answered 1d ago
Indeed you do not necessarily get poorer results just because of a geographical location. Warren buffett advocates staying within your circle of competence, fundamentally u should be looking for an edge if as a consumer in the local context can give you that then you should maximize it but then again alot of the services we use nowadays are international i.e apps u commonly used. The fundamentals are to invest in what you know.
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Stocks Discussion

Investments

What trading accounts should I open when I turn 18?
Hi anon, You'll want to start by opening a CDP account online first with your Singpass. https://investors.sgx.com/cdp-account-opening/#/myinfo-form-intro Once your CDP account is open, you can open a couple of brokerage accounts with 2-3 firms and try them all out. There are no limits to how many brokerage accounts you can have, as long as you can keep track of them. Sometimes it might be useful to have a backup account with another brokerage, as you never know when you might face a outage of service from one broker. (This has happened before). If you're looking at S$25/trade and a 0.28% minimum, then you'll usually need around $9000/trade to make it worthwhile.
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Investments

Stocks Discussion

Online Brokerages

ETF

I am a young adult (27) hoping to invest in US Market - should I be doing DCA monthly to US ETFs (eg FSMone), or pick "safe stocks" like Walt Disney, Amazon etc for Growth/Capital Gain potential?
Sharon
Sharon
Level 6. Master
Answered 5d ago
Behind every stock, there is a company and its business environment is constantly changing due to competition, macro outlook, customers behaviours, government intervention, etc. Hence, that said there is no "safe stocks". Remember that police banner around our neighbourhoods that say "Low crime doesn't mean no crime"? Lower risk of insolvency or business going down hill doesn't mean no risk. You will need to monitor these stocks too. If you feel confident in learning and analysing about them, you can try your hands in stocks. Otherwise, DCA in US ETFs (you may want to go for Ireland-domiciled ones to have a lower witholding tax) with robo-advisors (or FSMOne) can be a viable option.
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Investments

ETF

Stocks Discussion

What brokerage account do you use for london stock exchange?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Updated 16h ago
%fee & minimum fee Interactive Brokers 0.05% 1.25 EUR SAXO Markets 0.10% 10 EUR Standard Chartered 0.25% 10 EUR Maybank Kim Eng 0.30% UK 20 GBP KGI Securities 0.50% 70 EUR OCBC Securities 1.00% 60 EUR
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Investments

If i already DCA VOO in FSM, still make sense to DCA Syfe equity100?
Tan Wei Ming
Tan Wei Ming, Writer at Frugal Youth Invests
Level 6. Master
Answered 19h ago
43.92% of the portfolio constitutes QQQ and 80.4% of QQQ holdings are in VOO. 18.92% of the portfolio consists of XLP where 100% of XLP holdings are in VOO. 14.6% of the portfolio consists of CSPX where it is just Ireland version of VOO. 10.9% of the portfolio consists of EFA where there's NO overlap of holdings since VOO does not hold stocks listed in the US. 3.2% of the portfolio consists of IEMG where there's NO overlap of holdings for the same reason above. These are the top holdings of the portfolio. You are only getting extra diversification for EFA and IEMG. So my conclusion is it doesnt make sense to DCA into Syfe Equity 100. I will recommend VT as it gives you the instant diversification worldwide.
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