26 Aug 2020
With current REITs outlook and the platform fees eating its dividends, should one start divesting and DCA into existing Endowus's CPF OA 100% equity (cash portion) & Stashaway 36% risk portfolios?
Since both portfolios offered by Stashaway 36% risk & Endowus (CPF-OA 100% equity) already have a dividend asset class?
Fees and dividends are referenced from this article: https://turbokid87.blogspot.com/2020/08/august-investment-overview.html?
Endowus portfolios do not have a dividend/income portfolio or specific asset class. It is better to invest consistently and in a diversified manner based on our long term investment goals and risk profile. Hope this helps!
It would be good to reflect on why you chose Syfe REIT+ portfolio initially; presumably for additional cash flow. By divesting your REITs (income) into equities (growth), it would be contrary to your intial objectives. Not to mention, essentially you are selling low and buying high (timing the market).
Ideally, you should have a strategic portfolio allocation. For example, 70% equities and 30% REITs. You should rebalance your portfolio periodically by divesting from the outperforming asset to the other asset class.
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