Roboadvisor: Stashaway vs Syfe

[Okenba]

Endowus has turned out to be more of a broker (like FSMone) and less of a Robo. It does offer some portfolios, but many people make use of their smart portfolio to design our own portfolio of funds for ourselves.

Endowus gives a lot more flexibility and personal choice and also offers some very well known funds that are not usually available to retail investors.

 

[dappermen]

Which is a clever choice that provides diy options on top of the usu “robo” options!

 

[Kojo0403]

Which is a clever choice that provides diy options on top of the usu “robo” options!

FSMOne ETF RSP program is actually pretty good.

min fee $1 at 0.08% sales fee. and currently waived til end of year.
Been using them to rsp into VOO and some local etfs like CFA, O9P and CYB etc

 

[twosix]

people share their views on the current situation, and the one investing probably needs to review whether it makes any sense at all. if u plan to invest and keep for 10, 20 years, probably can just leave it there to outlast the fluctuations. but if r into short term investment like 5 yrs, then maybe better to keep a closer look at what is going on and react accordingly.

 

[Okenba]

People need to really think about their own reasons why they use/buy into a particular robo/portfolio.
I'm seeing people buy into a robo because it shows strong past results (buy high), and then a few months later, start thinking about selling because the portfolio isn't doing well (sell low).

This sounds terribly like buying high selling low.
Since they don't have a strong idea on why they buy into that portfolio, they will then jump into the next interesting portfolio that is doing well (buying high), and when that starts to drop, they will start thinking about selling out (sell low) to move to the next high flying portfolio (buying high again).

I'm really not sure if that's the best way to pick your investments.

If we have a clear reason why we are buying into a portfolio, we will stand a better chance of being able to ride through the inevitable ups and downs so that we can actually hold on to 5 or 10 years for the portfolio to actually have good returns.

 

[twosix]

these are called traders, not investors. investors hold long term... haha.

 

[dappermen]

Sa replied why no esg added during this …
“Specific to this re-optimisation, ERAA has not allocated any weightage to the 2 ESG ETFs.

Rest assured that these ETFs have been added to our investable universe. Should ERAA identify an opportunity based on economic data in a future re-optimisation, ERAA might include an allocation to ESG ETFs.”

What is the use to b in their universe only???

Here is a breakdown of the asset allocation of the 36% SRI portfolio - Where is the promised ESG?

iShares MSCI Australia ETF (EWA US): 10% (this allocation to Australian equities came as part of a broader inflation-protection measure.

Sa’ve maintained our portfolios’ previous level of protection against the dilution of fiat money with Gold. But now, also broadened our inflation-protection assets beyond just Gold. Specifically, Sa ’ve increased our allocation to assets that can both seize the growth opportunities in the new economic regime and maintain inflation protection. To do this, Sa made new equity allocations to commodity-exporting countries, such as Australia that could benefit and protect your portfolio in a high inflation environment. )


iShares Core S&P Small-Cap ETF (IJR US): 10%

Consumer Staples Select Sector (XLP US): 16%

SPDR Energy Select Sector ETF (XLE US): 10%

KraneShares CSI China Internet ETF (KWEB US): 20%

iShares Core U.S. Aggregate Bond ETF (AGG US): 8.5%

Vanguard Real Estate ETF (VNQ US): 7.7%

Vanguard Global ex-U.S. Real Estate ETF (VNQI US): 12.3%

SPDR Gold Trust (GLD US): 4.5%

Cash allocation: 1%

 

[Mr. Wood]

how come when I am reading this post, it's more like anti robo investment...seems like the return is bad? or only those with bad performance are commenting here?

some ppl are alwys chasing high and dumping when sentiments are reversed.
only last yr alot shouting bitcoin and arkk. down for a few mths alot start to pui chao nua.
dats why is impt to know wht u are invested in, the structures and whether can trust the managments, whether is it robos or unit trusts or ETFs or insurance, or bank structure notes.

 

[athletic91]

Stash 30 and 36% risk index has been doing badly due to KWEB etf. And they system does not seem to bother to rebalance and buy the dip

 

[dappermen]

4 highest risk they r just ok leh - using indices msci to compare

https://endowus.com/insights/q2-2021-performance-review/

Emerging markets equities on the other hand, have lagged in comparison to its DM counterparts (Figure 2). This can be attributed to slower vaccination rollouts and the increased transmissibility of the Delta variant, along with fears of policy tightening by the Fed in light of soaring inflation. Nonetheless, EM equities rose by +5.1% driven by healthcare, energy and industrial sector outperformance.

S&P cant beat Fanng?

 

[Mephist0pheLes]

these are called traders, not investors. investors hold long term... haha.

nah, they are not traders.

i think investing has become so easily accessible and low cost that many who dont even have the basic knowledge enters the market. that's y u see alot ppl here making short term comparison of performance, choosing portfolio based on current/past performance, comparing returns of portfolios with totally different risk profile etc.

 

[grandza]

For those interested in Syfe Equity100 Portfolio!

 

[dappermen]

shoot them pls!!!!!!!!!

 

[silverbomb]

End of the day I only put a small amount with SA and have since withdrawn it. I don't understand I don't invest. There are more passive roboadvisors out there like Endowus, moneyowl and even Autowealth (won't recommend them though).

Sorry just curious you mentioned dont recommend Autowealth is bcos the performance/review is bad or you don't have their pdt hence no experience to recommend?

 

[silverbomb]

Endowus gives a lot more flexibility and personal choice and also offers some very well known funds that are not usually available to retail investors.

What is the ones that are not normally avail to retail?

 

[Okenba]

What is the ones that are not normally avail to retail?

Dimensional Fund Advisor (DFA) funds and PIMCO bond funds are usually not readily available to retail investors.

 

[s0crates]

Sorry just curious you mentioned dont recommend Autowealth is bcos the performance/review is bad or you don't have their pdt hence no experience to recommend?

Can tell based on their limited offerings. US ETFs, don't even have fractional units. Very old looking platform.

Might as well DIY IBKR like that

 

[JetStorm]

Stash 30 and 36% risk index has been doing badly due to KWEB etf. And they system does not seem to bother to rebalance and buy the dip

If you do a monthly dca, it should buy the dips mah.

 

[dappermen]

monthly dca,

nt all into DCA, me too!

also while DCA u could b buyg the Rise up

 

[JetStorm]

nt all into DCA, me too!

also while DCA u could b buyg the Rise up

Buy the rise up or down nvm, overall will average out. Since majority making noise about kweb drop, those who now do dca ones will benefit.