Roboadvisor: Stashaway vs Syfe

[kurt111494]

yea start now the best, now it's a little bit on the downside.

Which portfolio are you referring to?

 

[dappermen]

wa if they invest crypto i will stop too. crypto i no confidence.

Really? Crypto. If they add in crypto then maybe I'll stop.

U never know, many asked abt crypto:
https://www.facebook.com/1047466158733462/posts/2493378207475576/?d=n&substory_index=0
No getting around w the fact that crypto is getting popular
But “When an asset doesn’t have a history of being a reliable store of value, we have to consider them high-risk. A ‘high-risk’ asset doesn’t inherently mean that it will give you a higher return; rather, it means that the chance of your higher return is at the expense of a higher chance of you losing a larger portion of your investment.

Most cryptocurrencies are utility tokens. This means they aren’t backed by anything. Instead, their value relies primarily on the network effect (i.e. how many users are using it and how active the users are). This core feature makes them inherently volatile. And this volatility is further magnified by the fact that there are thousands of cryptocurrencies out there competing for active usage.”

Even blackrock is adding.... https://www.businesstimes.com.sg/ba...d-bitcoin-as-eligible-investment-to-two-funds although bitcoin is Unlike gold: unlikely to replace national currencies too https://www.theedgesingapore.com/ca...mz765Ot0Ir_UJY4bSEyQuGnQK6kgGw3ORTrc_0n47aivY

Even mastercard is opening up its netwk to crypto:
https://www.businesstimes.com.sg/ba...to-open-up-network-to-select-cryptocurrencies

https://seedly.sg/opinions/the-ecce...cOqVzl9Qi-_e-0XBK3oI_BCY6zjsaadxWkkNlFJZlbsg8

 

[kurt111494]

Sorry just curious, just like how Syfe offers a US-focused portfolio, is there a roboadvisor that offers an Asia-focused portfolio (aggressive investing)?

 

[revhappy]

Sorry just curious, just like how Syfe offers a US-focused portfolio, is there a roboadvisor that offers an Asia-focused portfolio (aggressive investing)?

I remember UOB robo was very Asia focused. Dbs has Asia portfolio,but it is what is listed on SGX, which is severely limited. I would suggest take a look at UOB.

 

[kurt111494]

I remember UOB robo was very Asia focused. Dbs has Asia portfolio,but it is what is listed on SGX, which is severely limited. I would suggest take a look at UOB.

Thanks! I'll take a look

Anyone here uses Endowus? Is it possible to customise a portfolio to be aggressive and Asia focused?

 

[SuperDecker]

Thanks! I'll take a look


Anyone here uses Endowus? Is it possible to customise a portfolio to be aggressive and Asia focused?

Endowus has Fund Smart which allows you to select the funds and allocation. There's a few Asia funds to select. It will show you the total ER and past performance.

Posted from PCWX using SM-G998B

 

[dappermen]

Re-opt is not rebalancing

https://www.facebook.com/StashAwayAPAC/videos/3249906868442283/

 

[digitalguy]

After watching big short movie, i wonder these fnds are trust worthy or nor

 

[proton_cannon]

Gd start now is better than no start


When u r next ready u could do another lumpsum down the rd

frankly speaking, the only way to earn outsize returns is really to time the market.

Equities has been on a huge roll for the past decade thanks to money printing and QE by various countries, therefore, we are all seeing people with good gains on their investment portfolios. Everyone is now quite relaxed and put risk to the back of their minds.

Those who earn even more are actually people who invested in large sums during market downturns like the march of 2020, dec 2019, 2015/6 and all the way back to euro crisis and even 2008.

The better way forward should not be doing huge lump sum but DCA a fixed sum and get really to enter a larger DCA amounts/lump sum should such dip come again. Dips will happen, its just a matter of time.

 

[twosix]

it is easier said than done to time the market. i believe everyone aims to buy at the lowest and sell at the highest. unless u come from the future, no will can do this. so just invest rather than wait and wait for miracle to happen.

 

[dappermen]

True, 26!

Anyway, apart from able to use OA , srs to invest in endowus, why is it a Gamechanger?? Why esp endowus: do u agree??

https://www.facebook.com/460639650790741/posts/1617761525078542/?d=n

https://seedly.sg/opinions/gamechan...d76PUCg9LQI61cFjeQkfhIlpalA-igZ4V4vQMMaRyB7wQ

 

[twosix]

https://www.facebook.com/StashAwayAPAC/videos/3249906868442283/

Youtube:

 

[Mr. Wood]

True, 26!

Anyway, apart from able to use OA , srs to invest in endowus, why is it a Gamechanger?? Why esp endowus: do u agree??

https://www.facebook.com/460639650790741/posts/1617761525078542/?d=n

https://seedly.sg/opinions/gamechan...d76PUCg9LQI61cFjeQkfhIlpalA-igZ4V4vQMMaRyB7wQ

agree dat syfe, stashaway may be game changer since no min starting amt and no min monthly DCA. now really anyone can invest even with juz $1, $10.

endowus, autowealth still hav min investment. to me they are serving the better off ppl, not the commoners. somemore who are the ones who have excess CPF to invest? not the low ses workers. those middle-high salary workers can pay HDB and still have excess to invest. so, still rich get richer.

but i think endowus has higher chance to survive. they more aggressive advertising and pull the right strings.

 

[s0crates]

My take is that Endowus is game changer because of trailer fee rebates, the exclusive access to vanguard for cpf monies, and institutional products.

There is nothing that great abt no minimum starting amount la. What's the difference between $1 investing and $888 (which is the minimum for endowus now?)

Anyway, if I want to do etfs, any broker can do it. IBKR just need to do $1 UCITS ETFs then stashaway/syfe will face a hell lot of pressure. UOB AM also have their own robo already, and grab invest/shopee gonna come up with their own stuff.

Endowus just needs to do quarterly/half a year recurring investing, then most Tom dick and Harry can start investing sensibly their CPF, and they have by far the best product. The existing players have to forsake their trailer fee model to match endowus. That's the game changing part.

agree dat syfe, stashaway may be game changer since no min starting amt and no min monthly DCA. now really anyone can invest even with juz $1, $10.

endowus, autowealth still hav min investment. to me they are serving the better off ppl, not the commoners. somemore who are the ones who have excess CPF to invest? not the low ses workers. those middle-high salary workers can pay HDB and still have excess to invest. so, still rich get richer.

but i think endowus has higher chance to survive. they more aggressive advertising and pull the right strings.

 

[twosix]

$888 is promo rate. Usual is $10k, which may be too high for some to enter.

 

[s0crates]

It's a self imposed limit. Good chance that it won't be 10k anymore post CNY.

$888 is promo rate. Usual is $10k, which may be too high for some to enter.

 

[Mr. Wood]

My take is that Endowus is game changer because of trailer fee rebates, the exclusive access to vanguard for cpf monies, and institutional products.

There is nothing that great abt no minimum starting amount la. What's the difference between $1 investing and $888 (which is the minimum for endowus now?)

Anyway, if I want to do etfs, any broker can do it. IBKR just need to do $1 UCITS ETFs then stashaway/syfe will face a hell lot of pressure. UOB AM also have their own robo already, and grab invest/shopee gonna come up with their own stuff.

Endowus just needs to do quarterly/half a year recurring investing, then most Tom dick and Harry can start investing sensibly their CPF, and they have by far the best product. The existing players have to forsake their trailer fee model to match endowus. That's the game changing part.

able to start with $1 means really a lot more ppl can start. not just the can dos. long time ago, i started with $500/mth DCA. and i was earning a less than average salary. imagine ppl who were drawing a lower salary than me, or more commitments.
of cos there will be ppl who say can save up first then invest. ok. for $500/mth it will take abt 2yrs to save up $10k. for those with $100/mth savings, it will take 8yrs to save up to dat amt.

while i do not agree dat endowus has the "best" product, i agree they have some of unique funds not easily available elsewhere. dats is why i oso believe they pulled the right strings, hav right connections and have deep pockets.

 

[s0crates]

Best for cpf, and also for unit trust investments. That's what I meant.

IBKR +endowus is probably all that sgporeans need for investments.

able to start with $1 means really a lot more ppl can start. not just the can dos. long time ago, i started with $500/mth DCA. and i was earning a less than average salary. imagine ppl who were drawing a lower salary than me, or more commitments.
of cos there will be ppl who say can save up first then invest. ok. for $500/mth it will take abt 2yrs to save up $10k. for those with $100/mth savings, it will take 8yrs to save up to dat amt.

while i do not agree dat endowus has the "best" product, i agree they have some of unique funds not easily available elsewhere. dats is why i oso believe they pulled the right strings, hav right connections and have deep pockets.

 

[dappermen]

My take is that Endowus is game changer because of trailer fee rebates, the exclusive access to vanguard for cpf monies, and institutional products.

There is nothing that great abt no minimum starting amount la. What's the difference between $1 investing and $888 (which is the minimum for endowus now?)

Anyway, if I want to do etfs, any broker can do it. IBKR just need to do $1 UCITS ETFs then stashaway/syfe will face a hell lot of pressure. UOB AM also have their own robo already, and grab invest/shopee gonna come up with their own stuff.

Endowus just needs to do quarterly/half a year recurring investing, then most Tom dick and Harry can start investing sensibly their CPF, and they have by far the best product. The existing players have to forsake their trailer fee model to match endowus. That's the game changing part.

Vanguard is no longer in the Singapore markets. As such, Lion Global has wrapped the Vanguard funds and have them available in Singapore Dollar. Here are these funds:
1) https://endowus.com/support/3600006...-lion-global-infinity-us-500-stock-index-fund
2) https://endowus.com/support/9000004...-lion-global-infinity-global-stock-index-fund

 

[endlssorrow]

Howncome no threads on Syfe equities