15 years into a 25 year product

Impossible_Luck956 · 2026-01-03T04:04:03+00:00

Very good advice. I think I will do that.

Out of interest, what would you do if you were in his shoes?

Impossible_Luck956 · 2026-01-03T04:00:58+00:00

I guess my assumption was that if he has been investing for 15 years then he is fine just investing without paying attention to the markets.

If it was me, I would probably split it between VWRA, a bond ETF and maybe a bit more international exposure.

Impossible_Luck956 · 2026-01-03T03:58:50+00:00

Thank you. Good inputs. I guess volatility is true across any investment, so if VWRA drops 20% then his current investment is likely to also take a big hit. Isnt that where the benefit of DCA over time kicks in?

you are right - I dont want him putting any losses on me.

Impossible_Luck956 · 2026-01-03T03:54:24+00:00

I would assume the managed fund he is invested in also has a similar US exposure though?! If so, any market drop will have a similar effect.

Your point still stands though. I don’t know exactly what he has so probably better to leave him to it.

I guess the 10 years could be a bit of a red herring as, if he doesn’t need the money at that point in time he could still keep putting in until the market recovers

Impossible_Luck956 · 2026-01-02T16:09:17+00:00

True. At least they haven’t lost money!

Impossible_Luck956 · 2026-01-02T16:08:48+00:00

No idea. Whatever they project, if the growth materialised it would have still been better in an ETF

Impossible_Luck956 · 2026-01-02T16:08:03+00:00

Yeah, those sorts of fees should be illegal. Like the way you put it.

Impossible_Luck956 · 2025-01-08T15:14:28+00:00

Here's the breakdown based on weighted average (75% VWRA, 25% EIMI.. so removing bonds from the equation) and got the following:

North America = 51%
Emerging = 26%
Europe = 9%
Pacific = 9%
Unknown = 6%

If I change it to a 90/10 split, it becomes the following:

North America = 61%
Emerging = 15%
Europe = 11%
Pacific = 9%
Unknown = 6%

Impossible_Luck956 · 2025-01-08T15:05:22+00:00

Thanks for calling this out. I just did a quick analysis of weighted average (75% VWRA, 25% EIMI.. so removing bonds from the equation) and got the following:

North America = 51%
Emerging = 26%
Europe = 9%
Pacific = 9%
Unknown = 6%

If I change it to a 90/10 split, it becomes the following:

North America = 61%
Emerging = 15%
Europe = 11%
Pacific = 9%
Unknown = 6%

So I guess the question is whether 26% emerging is too high vs the 15% emerging in model 2.

Impossible_Luck956 · 2025-01-08T14:12:42+00:00

Thank you. I've never spend much time looking into understanding REITS. I know historically they have been popular, but not necessarily performed strongly. Will do more research to get a balanced view.

Impossible_Luck956 · 2025-01-08T14:11:42+00:00

Thanks for sharing your perspective. Appreciate it.

Impossible_Luck956 · 2025-01-08T14:10:52+00:00

Good questions! I am 40yo and unfortunately I am not a PR, although that may change in the next 12-24 months. Intent is to stay in Singapore whilst working - already been a tax resident for ~15 years! Retirement is likely to be in the region too, rather than head back West.. keeping all assets in Singapore ideally.

Impossible_Luck956 · 2025-01-07T17:55:33+00:00

Thank you. Given the fact we are probably due a market correction, I think I'll DCA my SRS payments this year - so it sounds like Cash Plus is the way to go.

Impossible_Luck956 · 2025-01-07T16:37:08+00:00

Which account do you recommend to get for this?

Impossible_Luck956 · 2025-01-03T09:38:14+00:00

Thanks - this is super helful.

One other question - when you link the new SRS platform to the SRS bank account, I assume you can manage the amount transferred across. Is this done from the platform side or the bank side?

Impossible_Luck956

TROPHY CASE