How many different investment products are too many?

Hmmm. I have a few, ranging from very safe to the riskier investment. So it will be like high interest savings account, fixed deposit, money market funds, ETFs, then stock picking.

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Just these few are enough to manage in my free time.

I was looking through mine recently and realised I’ve got ETFs, individual stocks, SRS, CPF and a few other things. On paper it looks nicely diversified, but sometimes I wonder if I’m just making my portfolio more complicated than it needs to be.

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Anyway, there’s no right or wrong number of investment products to have. It really comes down to your investment goals, time horizon and risk appetite, and whether each product has a clear role in your portfolio.

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I also want to share a SingSaver guide on different ways to invest in Singapore and thinking about goals, risk tolerance and time horizon: https://www.singsaver.com.sg/investment/blog/be...

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Sometimes having a “diversified” portfolio isn’t about owning more things, it’s about knowing why you own each one! Keep going!

Different investment products held different risks. In my opinion from risky to less risks, Stocks, ETFS, Unit Trusts, Singapore Saving Bonds, Fixed Deposits. I do not invest my CPF.

If there are many overlaps across the different assets, then it is not diversifying.

if bought just because of certain hype (eg recent gold and Sg equities hype) then also not diversifying, but more like tactical short term boost.