1. Why a ”U.S.” fund? Are you planning to retire in the United States? If not, I’d pick a global stock index fund or, better yet, steer your SRS account toward the bond portion of your overall investment portfolio — as a notable example MBH. You don’t have to pay Endowus for MBH. The reason for that is that your SRS account might be subject to future taxation (depending on how big it gets), so for further tax optimization reasons it makes sense to use it for your expected lower yielding assets. That doesn’t mean you should change your overall investment posture. Pick an allocation that makes sense, THEN structure your holdings for cost efficiency.
2. It’s $15,300 per year maximum (Singaporean citizen or Singapore Permanent Resident). Don’t worry about trying to time that amount. Just slam it in to your desired investment vehicle every year you contribute, all at once. Slicing up $15,300 into smaller pieces isn’t going to matter and probably will even cost you a little.
