SRS Portfolio

[blasterlord2]

using Endowus to buy dimensional
a yr now. +39.58%

One year ago not a good reference point. Almost anything you bought one year ago will rise by more than 30% now.

 

[JetStorm]

You are investing your SRS monies right? How would that lose out on compounding?

You are right. I keyed in afew wrong figures in my calculator earlier thus the difference was huge. Assuming rate of returns = same... Doesnt matter if I have 1 or 3 portfolios. End goal the amount will be the same.

 

[ExEngineer]

Interested to hear more what people allocate in their srs portfolio, in consideration with their cash portfolio.

Eg do you do 80/20 in srs, same as 80/20 in cash portfolio,
Or do you do 80/20 for (cash + srs) portfolio, and then within srs its 100% equities?
Next how do you slice within srs ? Same/different % as cash portfolio? Same/different funds/stocks/bonds as cash portfolio?

Thanks.

For me, I’ve put SRS almost 100% into longterm equity holdings (not trading) as I’m overweight “bonds” if I count CPF towards my fixed income allocation.

 

[JetStorm]

For me, I’ve put SRS almost 100% into longterm equity holdings (not trading) as I’m overweight “bonds” if I count CPF towards my fixed income allocation.

Me too! Cpf is currently twice of that of my current 100% equity portfolio lol. If follow 110 minus Age... I think at the rate I dca i also cannot catch up when I hit 65.

 

[badsector]

One year ago not a good reference point. Almost anything you bought one year ago will rise by more than 30% now.

which fund would u suggest has better reference point for SRS fund?

 

[assiak71]

Im using endowus srs 80-20, just for reference. Hands off

 

[Okenba]

With the smart portfolios, you can squeeze a lower cost if you pick your own funds. But may not be significant enough to bother much about. shrug.

 

[RedsYWNA]

With the smart portfolios, you can squeeze a lower cost if you pick your own funds. But may not be significant enough to bother much about. shrug.

Yes, I have squeezed Endowus to 0.8% (including access fee) via the smart portfolio. That will do for now, till better options come along....

 

[streetfighter]

which fund would u suggest has better reference point for SRS fund?

Just buy es3 is the cheapest way to invest srs.

 

[badsector]

Just buy es3 is the cheapest way to invest srs.

u vested? how's the performance?

 

[highsulphur]

Just buy es3 is the cheapest way to invest srs.

Thought you don't believe in es3

 

[naro]

Yes, I have squeezed Endowus to 0.8% (including access fee) via the smart portfolio. That will do for now, till better options come along....

I thought Endowus' fees is 0.4% for SRS?

 

[RedsYWNA]

I thought Endowus' fees is 0.4% for SRS?

My fund cost is 0.4%. So 0.4% + 0.4% = 0.8% for my customised CPF OA portfolio under Endowus.

 

[streetfighter]

Thought you don't believe in es3

You are right i don't believe in es3 but the question is which fund for srs so es3 is probably easiest & lowest cost to invest for srs.

 

[streetfighter]

u vested? how's the performance?

No es3 for me as i prefer to pick stocks & get much higher return

 

[s0crates]

which fund would u suggest has better reference point for SRS fund?

You can get the dimensional global equity core fund for SRS with endowus. Should be 0.29% TER + 0.4% endowus fees on a per annum basis.

 

[eyz]

I just started SRS for 2 months.

I intend to put in 200 to 300 every month. how should I invest this sum of money?

I think there are endowus, moneyowl and stashaway.

should I invest DCA (moneyowl) or save up a lump sum and invest when the market is down?

 

[assiak71]

With the smart portfolios, you can squeeze a lower cost if you pick your own funds. But may not be significant enough to bother much about. shrug.

Didnt research. Got eg for srs smart portfolio? Thought total fee would not be significantly different from their Core portfolio.

 

[Kojo0403]

This writer has done a pretty good write up on SRS investing. In fact its quite close to what I am doing.
HST + CFA.
Lion Hang Seng TECH ETF for growth while Nikko AXJ REIT ETF for dividend and stability.

https://financialavocado.com/why-i-...on-ocbc-securities-hang-seng-tech-etf-hst-si/

 

[skpuppy]

After trying various options, here are my views:

1. fees high/ low is not important. Look for 1 that can consistently beat the benchmark. So far I only found 2. FSSA dividend advantage and United Global Quality Growth fund. Infinity U.S. 500 Stock Index Fund performance is below benchmark. Infinity Global Stock Index Fund also perform below benchmark. Others LionGlobal All Seasons Fund (Growth) and LionGlobal Disruptive Innovation Fund got no benchmark to compare. It is like hiring a group of mediocre staffs at low salary and hope for things to happen. No point right?

2. Invest in ES3 etc not a good idea. Our top 30 companies’ performance are mediocre as well. Even in the last 10-20 years, they already underperform. I don’t thing they will outperform other countries in the next 20 years. Quite likely very little gain or lose quite a lot

3. Robos like StashAway, Sfye. I tried StashAway and the performance is mediocre also. Personally I feel the allocation between bonds, equities is a too old school concept already. Robo should be smart enough to do sector rotation. For example if tech stocks are rock bottom, then allocate to tech. If consumer discretionary is too high, then sell. I feel that should be the value proposition of robo. That is why Peter Lynch is so good right? Just switch like bonds/ equities/ commodities (no point la). Not sure whether this is a robo that invest like top fund managers? Dbs, ocbc robos?

4. Annuities - read a lot but didn’t try. To me, you pay those companies more in an indirect way.

5. SSB - no point. Mediocre performance also. You like earning 1.5% more over 10 years. Too conservative already

6. Don’t put in SRS - If you are really good investors with equities, don’t even need to put into SRS. Just whack some shares and the returns maybe higher to offset the SRS savings. Somemore no withdrawal restrictions etc…

just my humble sharing during this SRS journey. Happy to hear more from the rest