Portfolio review: I'm a new (and rather passive) investor, and I would like to hear some thoughts about my current portfolio. 26, 3k salary (before cpf), has a house coming in 5 years.

What i currently have in my portfolio:

Stashaway 22% risk. Currently $3.8k inside, depositing $200 every month
DBS digiportfolio level 3 risk. $5k SGD inside, depositing $300 every month
Own 7 lots of parkway life reit (C2PU), investment amount was $2900-ish
Own 20 lots of frenken (E28), investment amount was $5k
Free apple stock from moomoo
AIA smart wealth builder endowment plan. ($3600 yearly, for 10 years)

I would say that my immediate goal is to be able to pay off the house comfortably, as I need to fork out 40k when the house is ready. (was not able to get additional grants).

How can I improve my portfolio?

Discussion (10)

What are your thoughts?

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28 Nov 2021

If you are looking for a second opinion of your current portfolio, I believe the comments provided are great.

However, if you are not confident of reaching your goal with your current arrangement, some of the alternative passive investment methods not mentioned in this thread includes option trading, crypto staking and/or lending, crypto trading bot and using FX copytrading services, all of which i used with varying level of success. Each method comes with their own set of risks and may/may not be suitable for your risk appetite

If you need more info, you can ping a message.

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Wayne Ng Dingjie

28 Nov 2021

I do agree with the comments here. SG market always go sideway. I have moved my funds from SG to US. It depends on your risk appetitie as well.

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Marcus Chew

28 Nov 2021

First of, congrats for starting your invest journey that young and also hom ownership to come.

I also find your investments quite all around the shop so perhaps to consider this mnemonic: RRTTLLU

RISK

RETURNS

TIME HORIZON

TAXES

LIQUIDITY

LEGALS

UNIQUE CIRCUMSTANCES

Once you are aware then the portfolio can be weighted along with foundations of CPF/SRS national schemes or even Alt-investments.

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Gaya Thiri

28 Nov 2021

Looks like you already have about 20.4k

if you shift everything to

VOO and apple- 15k and 5k respectively and invest $400 in each monthly

projected value in 5 years

VOO- 12% annual returns- 59k

apple- 10% annual returns- 39k

total- 98k

so it can be done very comfortably. Sometimes over diversification may not be the best thing. So reconsider some of it. Anyway, the annual returns are conservative estimation. Apple's annual returns for past 5 years is about 500%. But do your due diligence, before investing in individual stocks. Happy investing and learning. You'll def reach your goal. All the best.

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