SRS Portfolio

[assiak71]

If considering Robos (especially for the advantage of DCA), and worried about whether or not they will still be around in the future, some may feel encouraged that MoneyOwl is joint enterprise with NTUC. That might bring some margin of confidence and safety?

The funds that MoneyOwl provides are not so different from Endowus too, so not sure what would be the advantage of Endowus over MoneyOwl...

Does moneyowl have srs already? If their srs fee is same as cash, it is very high.

The endowus srs fee of 0.4% looks acceptable to me

 

[Okenba]

Does moneyowl have srs already? If their srs fee is same as cash, it is very high.

The endowus srs fee of 0.4% looks acceptable to me

I have not checked. I think MoneyOwl must write in to use SRS.
And fair point about fees. I think MoneyOwl fees are higher. But do be aware that 0.4% likely does not include fund expense ratios which would push it higher. Regardless, I think MoneyOwl would still be more exp. So depends on whether one is willing to accept the higher fees in return for the comfort of it being backed by NTUC?

If looking at fees, Kristal.AI is free for first 50k. Not sure if have SRS. But I would be hesitant to use it until it builds some long term credibility...

 

[assiak71]

No one use endowus for srs? 0.40% fee

 

[boredboiboi]

Are you all looking at charges only or is it robo advisers charges? I know charges can go lower than that and i can do that. And into unit trust.

 

[assiak71]

Are you all looking at charges only or is it robo advisers charges? I know charges can go lower than that and i can do that. And into unit trust.

The typical retail UT? No thanks

 

[boredboiboi]

The typical retail UT? No thanks

Just asking, as i keep seeing fees and charges. If around age 40 for long term, there are certain plans that are able to generate more than 2% if leave till at least age 62

 

[leonaheidern]

IMO there are only two things worth investing in with SRS.

1. STI ETF
2. Lion Global All Seasons Fund (Growth), or Lion Global Infinity Global Stock Index Fund

What I currently do is to purchase STI ETF in lump sums, then use the leftover balance to purchase the UT. Whenever I receive dividends from STI ETF I use that to purchase the UT. The idea is to avoid having any balance in the SRS account.

My portfolio considerations always include everything together - cash, srs and cpf

Hi I just topped up 10k to my dbs operated srs account. I do not see the Lion Global Funds (Growth and Infinity both) inside Unit Trust. I understand they have partnered OCBC for this. How do I use my DBS SRS account to buy into this?

 

[undiscern]

Just buy bank shares and leave it. Why bother with funds?

 

[bright_84]

Hi I just topped up 10k to my dbs operated srs account. I do not see the Lion Global Funds (Growth and Infinity both) inside Unit Trust. I understand they have partnered OCBC for this. How do I use my DBS SRS account to buy into this?

To buy ocbc funds get ocbc to sell it to you.

Srs account operator =/= sell srs fund.

 

[BBCWatcher]

Hi I just topped up 10k to my dbs operated srs account. I do not see the Lion Global Funds (Growth and Infinity both) inside Unit Trust. I understand they have partnered OCBC for this. How do I use my DBS SRS account to buy into this?

To buy ocbc funds get ocbc to sell it to you.
Srs account operator =/= sell srs fund.

That said, I don’t think OCBC is going to be an attractive way to buy that unit trust. Try one of the zero sales charge platforms such as POEMS.

 

[Yallingup]

Best ideas for how to invest SRS?

 

[Yallingup]

Any worries that taxes will go up and SRS tax savings becomes lower in the future?

 

[foozgarden]

No one use endowus for srs? 0.40% fee

endowus srs looks not bad.
low cost.. contemplating what to use SRS. not much choices though

 

[Yallingup]

Anyone here using Endowus already? Quite cool to be able to invest CPF + SRS + Cash in one place.

endowus srs looks not bad.
low cost.. contemplating what to use SRS. not much choices though

 

[w1rbelw1nd]

Best ideas for how to invest SRS?

I previously invested in STI ETF, but now I think it is a fairly bad choice because I get dividends and I cant invest it cost efficiently...

Any low cost, globally diversified, non-dividend paying investments like Lionglobal Allseasons and Endowus seem to make sense to me.

 

[highsulphur]

I previously invested in STI ETF, but now I think it is a fairly bad choice because I get dividends and I cant invest it cost efficiently...

Any low cost, globally diversified, non-dividend paying investments like Lionglobal Allseasons and Endowus seem to make sense to me.

Why can't reinvest?

Just lump it together with your new top up and invest together

 

[w1rbelw1nd]

Why can't reinvest?

Just lump it together with your new top up and invest together

Timing difference leh. You get dividends every half a year and normally I rather do a year end top up of $15,300 to maximise the banks promotion and delay the top up decision as much as possible....

 

[assiak71]

Timing difference leh. You get dividends every half a year and normally I rather do a year end top up of $15,300 to maximise the banks promotion and delay the top up decision as much as possible....

Nowadays no more topup promo right

Reinvest later can work both ways. Maybe price drop when you reinvest?

 

[assiak71]

I previously invested in STI ETF, but now I think it is a fairly bad choice because I get dividends and I cant invest it cost efficiently...

Any low cost, globally diversified, non-dividend paying investments like Lionglobal Allseasons and Endowus seem to make sense to me.

Dont quite like lionglobal allseason holdings though they are the lowest cost

Not saying endowus is perfect but i personally prefer endowus

 

[w1rbelw1nd]

Why so? What's wrong with its holdings?

While I like the option of investing through PIMCO, I rather go 100% equity... Then again endowus can help rebalance hmm...

Dont quite like lionglobal allseason holdings though they are the lowest cost

Not saying endowus is perfect but i personally prefer endowus