Anonymous

25 Jan 2021

∙

Would you recommend lump sum or RSP in Endowus and what kind of fund holdings?

Lump sum or RSP in Endowus? What kind of fund holdings? Would you leave a sum of money in war chest in case of market drop?

1

Discussion (1)

What are your thoughts?

Learn how to style your text

Zac

25 Jan 2021

Noob at Idiots Invest

Hello!

Framework to help with your decision:

What's your aim with the investment? If wealth accumulation, go for equities. If wealth preservation, pick a more conservative portfolio, maybe 60-40 bonds-equities.
How much you have to invest? If it's a substantial amount, deploying it as a lump-sum may increase your returns in the long run.
How long you investing for? This affects your ability to tolerate volatility. The longer your investment horizon, the more volatility you can take on.
What's your tolerance for volatility like? If you personally can't stand seeing your investment swinging up and down, go with DCA. Otherwise, lump-sum will allow your money to start earning returns earlier.

Regarding warchest, I'd rather deploy all my money now. Consider diverting a small sum of your subsequent salary every month to your warchest instead. When your Black Swan / market correction does happen, you can deploy it. No right or wrong method to this.

Fund holdings: Endowus' philosophy is to diversify globally. Just stick with that. If you don't want that, you can choose Fund Smart. They curate a selection of funds for you to construct a DIY portfolio.

Reply

Save

Write your thoughts

Related Posts

What's the approach to invest S&P 500 in Endowus? Lump sum or DCA? Or both? Is it make sense to DCA monthly, says $200? What about the fund costs? I appreciate it for your kind advice.

I'm a beginner investor, low risk taker. What are your views on investing a lump sum in the fidelity funds global multi asset income fund? It's recommended by the bank manager. Any advice?

Given that the fees are actually high relative to a broad index fund ETF. In a general bull market where it may be better to do 2-3x lump-sum rather than DCA, and I am clear about my risk profile, what other benefits can I get out of Endowus?

Which platform do you guys recommend i use if i intend to buy (lump sum) and hold US stocks? FSM / Stanchart / IB?

I have a lump sum of 25k to invest with right now, period of investment is roughly 5-7 years for extra funds for hdb when i get to 35. Hoping to get some decent returns, any recommendations?

Related Products

Endowus

4.7

656 Reviews

Endowus Cash Investments Portfolio

Equities, Bonds

INSTRUMENTS

0.25% to 0.60%

ANNUAL MANAGEMENT FEE

$1,000

MINIMUM INVESTMENT

N/A

EXPECTED ANNUAL RETURN

Web and Mobile App

PLATFORMS

StashAway

4.7

1293 Reviews

Syfe

4.6

930 Reviews

Related Posts

What's the approach to invest S&P 500 in Endowus? Lump sum or DCA? Or both? Is it make sense to DCA monthly, says $200? What about the fund costs? I appreciate it for your kind advice.

I'm a beginner investor, low risk taker. What are your views on investing a lump sum in the fidelity funds global multi asset income fund? It's recommended by the bank manager. Any advice?

Given that the fees are actually high relative to a broad index fund ETF. In a general bull market where it may be better to do 2-3x lump-sum rather than DCA, and I am clear about my risk profile, what other benefits can I get out of Endowus?

Which platform do you guys recommend i use if i intend to buy (lump sum) and hold US stocks? FSM / Stanchart / IB?

I have a lump sum of 25k to invest with right now, period of investment is roughly 5-7 years for extra funds for hdb when i get to 35. Hoping to get some decent returns, any recommendations?