Early last year, I shared about a few variations of the The Boglehead three-fund portfolio for Singaporeans. The philosophy behind the three portfolio fund is simplicity and ease of implementation, lost cost and minimal maintenance. If you stick to the buy-and-hold approach, you may reap great returns. The template is pretty simple – you should have three funds: Domestic Index FundInternational Index FundBond Fund The typical Singapore Three Fund looks like this: SPDR STI ETF (E3S.SI) – DomesticVanguard FTSE All World UCITS ETF (VWRD.L) – InternationalABF Singapore Bond Index ETF (A35.SI) – Bond Personally, I have been trying one variation of it – where my fund allocation is something like this: Vanguard Total China ETF (3169.HK) – denominated in HKDVanguard FTSE All World UCITS ETF Acc (VWRA.L) – denominated in USDABF Singapore Bond Index ETF (A35.SI) -denominated in SGD So, here I am to share about my experience and why...