Investing in any diversified low cost option, such as through LionGlobal All Seasons Fund (Growth), is a good alternative. You may want to note that you can customise a portfolio based on your risk appetite (100% equities, 80:20 equities bonds, 60:40 equities bonds, 40:60 equities bonds, 20:80 equities bonds, 100% bonds) with Endowus, which is somethjng you cannot do through lionglobal Also, these are some other considerations that you may want to take note of: 1. The LionGlobal portfolio is made up of several LionGlobal actively managed funds. 60% of the funds' underlying investment values are in actively managed funds. 2. Some of these actively managed equities funds are also not as highly diversified. The Dimensional World Equities Fund is made of of >10,000 underlying equity securities. 3. Dimensional Funds are managed in a systematic and research driven approach, where they tend to invest more in companies with factors that has a greater chance of outperforming (value tilt, profit tilt, and small caps tilt). This approach is very different from the value proposition from the LionGlobal All Seasons Fund 4. We also offer PIMCO institutional share class bond funds. PIMCO as a fund manager has a track record of outperforming its benchmark, and our mix of bond funds has yielded ~5% returns. These are also SGD hedged bonds. Do let me know if you want to find out about how our bond/ equities portfolio are chosen!