A low-cost income investment portfolio is crucial for retirement planning. Without a portfolio of income-generating assets for passive income, you will never achieve financial freedom. But there are some practical issues to consider.

As an independent financial adviser, I spend a lot of time constructing portfolios which will make sense to local investors. Yes, there are a lot of financial products and portfolio theories. But the strategies that most people talk about are based on the assumption of America investors.

In reality, they often don’t work well for an Asian investor. In fact,  the value and financial systems are vastly different between the west and the east. This has become apparent in the current US-China trade war.

That is why when a local Robo-adviser – StashAway – launched an “SG Focused Income Portfolio”, I was greatly interested. The interesting thing is, despite Robo-adviser’s promise of transparency, the information they