Previously, I was comfortable taking bigger risks. I focused mainly on growth, individual stocks, and trying to build wealth faster. That approach made sense at the time because I had a long time horizon, fewer responsibilities, and more room to recover from mistakes.
Now, I want my investing strategy to become more balanced.
I still want to grow my wealth over the long term. I am not becoming overly conservative. I still believe that stocks are one of the best ways to build wealth over 10, 20, or 30 years.
However, I also want to reduce unnecessary risk.
My new investing goal is simple:
Stay growth-oriented, reduce concentration risk, and keep enough cash to buy during market stress.
What I Am Focusing On Going Forward
Going forward, I want to focus on a few key areas.
First, I want to increase diversification. This means having more exposure to broad market funds and not depending too much on individual stock picks.
Second, I want to review my portfolio regularly. I do not need to react to every piece of news, but I should know whether the businesses I own are improving, unchanged, or weakening.
Third, I want to keep a clear cash strategy. Cash should not sit around without purpose, but it should be available when the market gives better opportunities.
Fourth, I want to avoid buying because of emotions. FOMO, hype, and short-term price movements should not control my decisions.
| Bucket | Target | Role |
|---|
| Global core equity ETFs / diversified portfolios | 55%–65% | Main wealth compounder |
| US stocks / US ETF exposure | 20%–30% | Quality growth, but avoid overconcentration |
| Singapore stocks / REITs / banks | 10%–15% | SGD income and local stability |
| China/HK exposure | 3%–7% | Opportunistic, higher-risk satellite |
| Individual stock picks / thematic tech | 10%–20% max | Higher-conviction satellite |
| Cash / SSB / T-bills / money market | 10%–15% | Emergency fund + buying ammo |
How much to invest per month
Example: 5.2K
- 70% ETFs (calm, stable base). 3.6K
- 20% SG income (stability) 1.1K
- 10% stocks (conviction + upside) $500
1. CORE ENGINES (These drive most of your returns)
Vanguard Total Stock Market ETF
iShares Core MSCI World ETF
What it is: Global market exposure
Role: Foundation of your portfolio
Thesis: Strong / Stable
Verdict:
These are doing the heavy lifting
You don’t need to outsmart this
Action: BUY & HOLD (Core allocation)
Endowus Flagship / Equity / Tech
What it is: Managed diversified funds
Role: Core + slightly overlapping with ETFs
Thesis: Stable
Issue:
Overlap with VTI/IWDA
Slight inefficiency, but not dangerous
Action: HOLD (no need to add aggressively)
2. HIGH-CONVICTION WINNERS (Keep but control size)
Microsoft Corporation
Thesis: Improving (AI + cloud dominance)
HOLD / selective buy
Alphabet Inc.
Thesis: Slight uncertainty (AI disruption vs strength)
HOLD
Meta Platforms
Thesis: Strong recovery + ad engine
HOLD
Apple Inc.
Thesis: Stable but slower growth
HOLD (don’t over-add)
Amazon.com, Inc.
Thesis: Improving (AWS + efficiency)
HOLD
Tesla Inc.
Thesis: Volatile / uncertain
HOLD (speculative bucket)
JPMorgan Chase & Co.
Thesis: Strong banking franchise
HOLD
Salesforce, Inc.
Thesis: Improving but less dominant
HOLD / low priority
Interactive Brokers Group
Thesis: Strong structural growth
HOLD
3. SINGAPORE CORE (Very Important for You)
DBS Group Holdings
Oversea-Chinese Banking Corporation
United Overseas Bank
Role: Income + stability
Thesis: Stable / cyclical
Action: HOLD / BUY ON WEAKNESS
Mapletree REITs (M Log, M Ind)
Thesis: Weak to stable (interest rate pressure)
HOLD (don’t aggressively add)
4. CHINA / HK EXPOSURE (Messy Layer)
ETFs:
KraneShares CSI China Internet ETF
Global X MSCI China Consumer Discretionary ETF
Invesco China Technology ETF
iShares MSCI China ETF
Xtrackers Harvest CSI 300 China A-Shares ETF
Stocks:
Tencent Holdings
Alibaba Group
JD.com
Meituan
What’s happening:
Overlapping exposure
Same theme repeated multiple times
Thesis:
Uncertain (macro + policy risk)
Action:
Stop adding
Gradually simplify
Keep only strongest names (Tencent / Alibaba if you want exposure)
5. SMALL POSITIONS (Low Value, High Noise)
Examples:
CROX, EL, YUMC
GXC, CHIQ small sizes
Riverstone, YZJ
Random small entries
Reality:
These do NOT move your portfolio
But they consume attention
Action:
Ignore or slowly clean up
Don’t add more
6. EMERGING MARKETS
iShares MSCI Emerging Markets ETF
Role: Diversification
Thesis: Neutral
HOLD (optional)
FINAL PORTFOLIO DIAGNOSIS
Strengths
Strong core (VTI, IWDA)
Excellent winners (MSFT, GOOGL)
Solid SG income base
Weaknesses
Too many positions
China overexposure (fragmented)
Mental overload
WHAT ACTUALLY DRIVES THE RETURNS
80% of your results come from:
VTI / IWDA
MSFT / GOOGL / META
SG banks
Everything else:
Noise
FINAL ACTION SUMMARY
DO
Keep core ETFs
Keep top tech names
Keep SG banks
STOP
Adding new random stocks
Expanding China exposure
SIMPLIFY (Over Time)
Reduce overlap
Trim small positions
MONTHLY ACTION
(A) Core (60–70%)
VTI / IWDA / Endowus
This does most of the work
(B) Stable Income (20–30%)
OCBC, UOB, DBS
REITs
(C) Optional (0–10%)
MSFT, GOOGL, META
Limit to a few high-conviction names.
What to ACTUALLY Do
Monthly
Invest into core
Ignore everything else
Quarterly
Ask “Do I still want to keep this position?”
Simplify slowly
Opportunity Fund $25K
Market drop:
🔻 -20%
- Do nothing (monthly investing already handles it)
🔻 -30%
- Deploy ~25% of opportunity fund
🔻 -40%
🔻 -50%+
- Deploy the rest aggressively
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