How many robot platforms

[Lunadota]

Nowadays liao as compare to last time?

If I got spare $10k, which one should I go for long term like 5-10 years?

 

[tutonic]

If you want no-fuss, clear-cut allocation, best is Syfe Equity100, I think. But personally, I went with Stashaway 36%. Do note that right now, Stashaway 36% has 20% gold allocation, and reasonable to expect them to re-optimise some time in the future, so don't really know how it's going to perform then. But as it stands, I'm more than glad with my returns for SA 36%.

But if you got one lump sum to invest today, why not just open broker account and invest one time? Since you're going to hold for long horizon, it's probably going to be cheaper than robo.

 

[flowerpalms]

If you want no-fuss, clear-cut allocation, best is Syfe Equity100, I think. But personally, I went with Stashaway 36%. Do note that right now, Stashaway 36% has 20% gold allocation, and reasonable to expect them to re-optimise some time in the future, so don't really know how it's going to perform then. But as it stands, I'm more than glad with my returns for SA 36%.

But if you got one lump sum to invest today, why not just open broker account and invest one time? Since you're going to hold for long horizon, it's probably going to be cheaper than robo.

Open broker account invest in what?

 

[tutonic]

Open broker account invest in what?

In whatever alternative investment you were originally considering with robo ah. So just replicate the composition of Syfe's Equity 100 portfolio (for example) with the 10k via the broker. If they have 20% holding in ETF A, then you buy $2000 worth of ETFs in ETF A, etc..

Since it's only a one-time lump sum investment, the fees will be lower if you do it yourself than if you pay robo management fee every year for 10 years.

Robo only starts to makes sense for people who are contributing monthly, cause the transaction fees on a monthly or weekly basis might not make it worth it to do it yourself via an online broker, since robo fees are regardless of how many deposits you make.

 

[silverbomb]

In whatever alternative investment you were originally considering with robo ah. So just replicate the composition of Syfe's Equity 100 portfolio (for example) with the 10k via the broker. If they have 20% holding in ETF A, then you buy $2000 worth of ETFs in ETF A, etc..

Since it's only a one-time lump sum investment, the fees will be lower if you do it yourself than if you pay robo management fee every year for 10 years.

Robo only starts to makes sense for people who are contributing monthly, cause the transaction fees on a monthly or weekly basis might not make it worth it to do it yourself via an online broker, since robo fees are regardless of how many deposits you make.

what u said are good mentions, but it does not replicates the re-optimisation feature that robos does (either by Algorithm or respective fund managers) so if for someone that is very new or does not know what to do with the investment or $$, when the market indicators points to over/under exposure to risk level the TS may/may not know when to put more/less to re-balance the risk accordingly.

the main part of all these robos are the re-optimisations done from time to time. meant to attract people that are not so hands-on or new to investment.

 

[tutonic]

what u said are good mentions, but it does not replicates the re-optimisation feature that robos does (either by Algorithm or respective fund managers) so if for someone that is very new or does not know what to do with the investment or $$, when the market indicators points to over/under exposure to risk level the TS may/may not know when to put more/less to re-balance the risk accordingly.

the main part of all these robos are the re-optimisations done from time to time. meant to attract people that are not so hands-on or new to investment.

Yeah, I completely agree about the rebalancing part, which is exactly why I used the Equity 100 portfolio as an example, and also mentioned that the OP should go for that if he wants a clear-cut allocation, since there's no rebalancing in the Equity 100 portfolio.

That being said, I don't think this thread is serving any purpose since OP doesn't seem to respond to this, and instead is creating other new threads. So not an efficient use of our own time, typing up responses.

 

[kumokumo]

If you are bored, you can try OCBC robo's thematic portfolios.

My aussie finance portfolio is giving 40% returns, future world is 30+% after 7 mths.

 

[singqian]

If you want no-fuss, clear-cut allocation, best is Syfe Equity100, I think. But personally, I went with Stashaway 36%. Do note that right now, Stashaway 36% has 20% gold allocation, and reasonable to expect them to re-optimise some time in the future, so don't really know how it's going to perform then. But as it stands, I'm more than glad with my returns for SA 36%.

But if you got one lump sum to invest today, why not just open broker account and invest one time? Since you're going to hold for long horizon, it's probably going to be cheaper than robo.

is advisable to invest $10k (all spare money) at one time lumsump to a single share/ ETF? Perhaps TS is going to spilt the 10k (all spare money) into few months on different shares/etf/robo ?

 

[BiomedicalPasta]

I have spare 10k. Gona split into 3k 3k 4k. The 4k gg into a&p etf. The 2 3k going to volatile stocks.

 

[singqian]

I have spare 10k. Gona split into 3k 3k 4k. The 4k gg into a&p etf. The 2 3k going to volatile stocks.

all via robo? or bank broker? custodian or CDP type stock?