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STI ETF

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Investments

STI ETF

ETF

Geraldo L.
Geraldo L.
Level 6. Master
Answered 11h ago
For DBS Vickers, you would need a CDP account if you want to trade SGX shares so so that the shares can be deposited in there once it has been linked. The dividends credited would be determined by the bank account you assign for CDP's direct crediting service. As for DBS/POSB Investsaver, you do not need a CDP account and the dividends are credited directly into your DBS/POSB accounts.

Investments

Retirement

ETF

STI ETF

Hi! I subscribe to the ideology behind it (being diversified, being low cost), and how it actually worked out in US where so many of these investment books originate, but the implementation of it in Singapore (also with other smaller countries) is so challenging because: 1. Lack of a good bond fund in local currency A35 and MBH has fairly low returns, and does not have a fixed investment mandate like what is available in US markets. The bond ETF funds that are used for portfolio construction are 10 year treasury bonds, 20+ year treasury bonds, or investment grade bond funds with diversified underlying companies. I guess due to few SGD bonds available, the ETF fund managers are unable to come up with more clearly defined investment mandates. 2. Lack of a diversified local index. We take huge individual company and industry risk when we invest in the STI. If you invest in the FTSE all world index, you own less than 2.5% of Apple, the largest component, and the top 10 holdings are only 12.4% of the entire index. When you invest in the STI, the top 10 holdings are 68% of the entire index. Let that sink in. Take a closer look at Hariz comments. I fully agree that the strategy works best in US. It wil work less well in probably this order: US, Europe, China, Japan. Let's not copy and paste portfolio allocation strategies, its not that simple!!!!

Investments

DBS

REITs

STI ETF

Stocks Discussion

You can't compare property to businesses, they're different asset classes. You want to build a diversified portfolio of different asset classes, in different geographies, and industries. So for your question, it's not one or the other, but how they fit in your overall portfolio.

OCBC

STI ETF

Blue Chips

Investments

You should try out a portfolio tracking tool like Stocks.cafe Enter all your purchase details and you can clearly see if you are profit or loss

STI ETF

ETF

Investments

Frankie Aufhauser
Frankie Aufhauser
Level 7. Grand Master
Answered 2d ago
It's only a small market and compared to typical benchmark U.S. SP500 not so many tech leaders for capital appreciation (growth) having a perfect infrastructure Singapore possibly is a market where REITs with their regular (and on a global level high) dividends seem very attractive. I like Lion-Phillip S-REIT ETF very much (no advertizing from my part) more on my thinking : https://seedly.sg/questions/what-is-your-general-investing-philosophy-strategy

REITs

STI ETF

ETF

Investments

MT2020
MT2020
Level 6. Master
Answered 2d ago
Investing in robo advisor is good as they invest in global etf which serve as a good diversification.

Investments

STI ETF

S&P 500 Index

ETF

Jonathan Chia Guangrong
Jonathan Chia Guangrong, Fund Manager at JCG Fund
Level 8. Wizard
Answered on 25 Jan 2019
How do you intend to buy into the S&P through a DCA method? I'll assume you are referring the S27 SGX counter? There is no automatic way of buying into S27 and the minimum share lot is 10, which works out to be US$2650~ per transaction based on today's prices. If you are buying to SPY, you are looking at perhaps 1 share a month based on your $500 contribution. Which doesn't make sense, as the brokerage fees will be quite high. Unless you are thinking of buying into the Infinity S&P500 fund issued by LionGlobal, in which case I'll suggest you stay far away. The fees are rather high which will eat a big chunk of your paper gains over time.

Singapore Saving Bonds (SSB)

STI ETF

Property

Investments

1 lot is 100 shares usually in Singapore context. 1 lot or 10 lot is up to you and have to see the share price of the REITs that you are interested in as well. Just make sure you done your research before buying and comfortable with stock volatility.

Investments

DBS Multiplier Account

STI ETF

Geraldo L.
Geraldo L.
Level 6. Master
Answered 3d ago
If you need the funds within the next 3-5 years, my recommendation is not to go for assets with the highest risks - consider local bonds like Temasek bonds (if available) or Bond ETFs such as MBH or A35. Alternatively, if you're don't need the funds in the next 5-10 years, you might want to consider diversifying them into Global ETFs like IWDA, VWRD, etc. since you are already familiar with STI ETF.

STI ETF

ETF

Robo-Advisors

Fresh Graduates

Savings

Investments

Your asset allocation should follow your age as the % of monies in fixed income. So if you're 25, have a 75 Equity 25 Bonds Split. For your equities allocation, I'll set up to have a global exposure. I wouldn't even touch SG equities. Split them into US, UK, EU, Asia, Japan, Emerging Markets. Your % of choice in each sector is up to you. Also make sure that you're diversified across sectors as well. Not so heavy into tech and financial even though they're very appealing. Get some defensive sectors as well.
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