Can comment my portfolio?

[JuniorLion]

Wow, looks messy. Not exactly sure if there is a strategy to what you are doing. It feels as though you just buy anything and everything.

Hope this is a comment.

 

[moonlighter_sg]

Buying rojak is fine, but the sector percentage must be limited. Say, dun have REITs more than 20 percent of the whole portfolio. Do not over concentrate on REITs sector.

 

[sohguanh]

Buying rojak is fine, but the sector percentage must be limited. Say, dun have REITs more than 20 percent of the whole portfolio. Do not over concentrate on REITs sector.

How about what other forum readers do. They put 80% into VWRA or VALL becuz it is a world ETF but then from my experience the ETF top holdings drive the ETF price up down which follow US stocks closely. VWRA or VALL is marketed like world but then the price movement follow US markets. So 80% is over concentrate or not?

Me personally feel VWRA or VALL move like US markets so 80% is over concentrate but others dispute as they say it is world means entire world.

 

[yslvlys]

How about what other forum readers do. They put 80% into VWRA or VALL becuz it is a world ETF but then from my experience the ETF top holdings drive the ETF price up down which follow US stocks closely. VWRA or VALL is marketed like world but then the price movement follow US markets. So 80% is over concentrate or not?

Me personally feel VWRA or VALL move like US markets so 80% is over concentrate but others dispute as they say it is world means entire world.

But VWRA / VALL can auto adjust based what which stocks dominate the world. It moves with US stocks now cos US stocks are dominating the world now. If Chinese or India companies dominates the world ie market cap becomes more than US companies, then VWRA will reflect the same. So VWRA does move with with world which is dominated by US companies. If that changes, VWRA changes as well.

 

[wira]

I don't know how sell
Only know how to accumulate

unless you do like fellow hwz member Dereth who only accumulate and HODL AVGO shares to the

 

[JuniorLion]

Not sure why you need XUS when you already have CSPX.

Sure sounds like "buy as many different things as possible" is a strategy.

 

[Soomp!]

Not sure why you need XUS when you already have CSPX.

Sure sounds like "buy as many different things as possible" is a strategy.

I go for XUS because it is something I can never do earlier

Firstly, expense ratio : 0.03 % VS 0.07% this is one factor

Secondly,I do not need to do currency conversion from SGD to USD

Thirdly, Trade directly on SGX do not need to go to a foreign broker

 

[Soomp!]

But VWRA / VALL can auto adjust based what which stocks dominate the world. It moves with US stocks now cos US stocks are dominating the world now. If Chinese or India companies dominates the world ie market cap becomes more than US companies, then VWRA will reflect the same. So VWRA does move with with world which is dominated by US companies. If that changes, VWRA changes as well.

China is the world 2nd largest economy.
on World Index, it occuply <5% so the indexes are bias.

 

[Soomp!]

Wow, looks messy. Not exactly sure if there is a strategy to what you are doing. It feels as though you just buy anything and everything.

Hope this is a comment.

Asset Class / Pillar	Income Pillar Weight	Overall Portfolio Weight	Notes
XUS (S&P 500 Index ETF)	—	30.00%	Growth Core
Local Banks	25.00%	17.50%	DBS, OCBC, UOB
S-REITs	25.00%	17.50%	Real Estate Investment Trusts
Business Trusts	25.00%	17.50%	Mapped across 11 GICS sectors
SDRs (Depository Receipts)	25.00%	17.50%	Mapped across 11 GICS sectors (e.g., BBCA ID SDR)
Total Portfolio	100.00%	100.00%	Balanced 30/70 Barbell Strategy

This is what I am trying to achieve.

The 11 GICS Sector Distribution (Combined 3.18% Per Sector)​

1. Information Technology (1.59% Business Trust + 1.59% SDR)
2. Financials (1.59% Business Trust + 1.59% SDR)
3. Health Care (1.59% Business Trust + 1.59% SDR)
4. Consumer Discretionary (1.59% Business Trust + 1.59% SDR)
5. Communication Services (1.59% Business Trust + 1.59% SDR)
6. Industrials (1.59% Business Trust + 1.59% SDR)
7. Consumer Staples (1.59% Business Trust + 1.59% SDR)
8. Energy (1.59% Business Trust + 1.59% SDR)
9. Utilities (1.59% Business Trust + 1.59% SDR)
10. Real Estate (1.59% Business Trust + 1.59% SDR)
11. Materials (1.59% Business Trust + 1.59% SDR)

The above is what I am trying to achieve. Old man need income not growth anymore.

 

[yslvlys]

China is the world 2nd largest economy.
on World Index, it occuply <5% so the indexes are bias.

Stock market is not Gdp

 

[JuniorLion]

Asset Class / Pillar	Income Pillar Weight	Overall Portfolio Weight	Notes
XUS (S&P 500 Index ETF)	—	30.00%	Growth Core
Local Banks	25.00%	17.50%	DBS, OCBC, UOB
S-REITs	25.00%	17.50%	Real Estate Investment Trusts
Business Trusts	25.00%	17.50%	Mapped across 11 GICS sectors
SDRs (Depository Receipts)	25.00%	17.50%	Mapped across 11 GICS sectors (e.g., BBCA ID SDR)
Total Portfolio	100.00%	100.00%	Balanced 30/70 Barbell Strategy

This is what I am trying to achieve.

The 11 GICS Sector Distribution (Combined 3.18% Per Sector)​

1. Information Technology (1.59% Business Trust + 1.59% SDR)
2. Financials (1.59% Business Trust + 1.59% SDR)
3. Health Care (1.59% Business Trust + 1.59% SDR)
4. Consumer Discretionary (1.59% Business Trust + 1.59% SDR)
5. Communication Services (1.59% Business Trust + 1.59% SDR)
6. Industrials (1.59% Business Trust + 1.59% SDR)
7. Consumer Staples (1.59% Business Trust + 1.59% SDR)
8. Energy (1.59% Business Trust + 1.59% SDR)
9. Utilities (1.59% Business Trust + 1.59% SDR)
10. Real Estate (1.59% Business Trust + 1.59% SDR)
11. Materials (1.59% Business Trust + 1.59% SDR)

The above is what I am trying to achieve. Old man need income not growth anymore.

Would this do better than just buying S&P alone?

Asset Class / Pillar	Income Pillar Weight	Overall Portfolio Weight	Notes
XUS (S&P 500 Index ETF)	—	30.00%	Growth Core
Local Banks	25.00%	17.50%	DBS, OCBC, UOB
S-REITs	25.00%	17.50%	Real Estate Investment Trusts
Business Trusts	25.00%	17.50%	Mapped across 11 GICS sectors
SDRs (Depository Receipts)	25.00%	17.50%	Mapped across 11 GICS sectors (e.g., BBCA ID SDR)
Total Portfolio	100.00%	100.00%	Balanced 30/70 Barbell Strategy

This is what I am trying to achieve.

The 11 GICS Sector Distribution (Combined 3.18% Per Sector)​

1. Information Technology (1.59% Business Trust + 1.59% SDR)
2. Financials (1.59% Business Trust + 1.59% SDR)
3. Health Care (1.59% Business Trust + 1.59% SDR)
4. Consumer Discretionary (1.59% Business Trust + 1.59% SDR)
5. Communication Services (1.59% Business Trust + 1.59% SDR)
6. Industrials (1.59% Business Trust + 1.59% SDR)
7. Consumer Staples (1.59% Business Trust + 1.59% SDR)
8. Energy (1.59% Business Trust + 1.59% SDR)
9. Utilities (1.59% Business Trust + 1.59% SDR)
10. Real Estate (1.59% Business Trust + 1.59% SDR)
11. Materials (1.59% Business Trust + 1.59% SDR)

The above is what I am trying to achieve. Old man need income not growth anymore.

This will do better than buying a world index fund?

 

[JuniorLion]

I go for XUS because it is something I can never do earlier

Firstly, expense ratio : 0.03 % VS 0.07% this is one factor

Secondly,I do not need to do currency conversion from SGD to USD

Thirdly, Trade directly on SGX do not need to go to a foreign broker

You know that S&P is S&P, regardless of what currency it is denominated in, right?

 

[wutawa]

You know that S&P is S&P, regardless of what currency it is denominated in, right?

currency conversion cost money.

 

[wutawa]

Portfolio & Net Worth Table September 2026​

#	Institution / Asset Category	Sub-Items / Details	Amount (SGD)
2	Standard Chartered (SC)	29,615 STI ETF, 9,630 Sheng Siong, 1,684.80 ESR	$40,929.80
3	POSB	STI ETF	$44,111.09
4	StashAway	Robo-advisory ($19,134.91 STI ETF + $17,069.65 ISAC)	$36,208.56

u have sti etf in 3 different platforms. which 1 has the highest p.a. yield?

 

[JuniorLion]

currency conversion cost money.

Ibkr then

 

[Soomp!]

Ibkr then

We can forget about this and go to XUS now

Of course you can argue that the spread can be wide

Trading volume can be low

With the NASDAQ trading 23 hours from this year December onwards

I think this will adjust the SGX we trade in too

 

[Soomp!]

u have sti etf in 3 different platforms. which 1 has the highest p.a. yield?

The reason why I am over the place because some are legacy platform I used even before the animal broker becomes popular

I don't know which one has the higher PA I only knew I bought them like 10 over heads ago

Some aren't even my own capital but capital appreciation.

 

[Soomp!]

Would this do better than just buying S&P alone?

This will do better than buying a world index fund?

We can argue that S&P500 had its holding of 60 over percent in tech. Which is over concentrated.

If you gone over to world fund, china being the second largest economy only have around 5 percent of it only

 

[Soomp!]

Stock market is not Gdp

Understand but still can't rationalize that china only deserve only 5 percent ?!

 

[yslvlys]

Understand but still can't rationalize that china only deserve only 5 percent ?!

I mean the fund is just passively following whatever the market cap the Chinese companies have. If the Chinese companies grow bigger they will have bigger weightage. Likewise for other US companies. China's Gdp may be 2nd in the world but their listed companies does not have 2md largest market caps globally. Also, non-Chinese listed companies also do a lot of business if not more than Chinese listed companies in China. Also some mega Chinese companiesike Huawei not listed so impossible to own.