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 Fund
- International Index Fund
- Bond Fund
The typical Singapore Three Fund looks like this:
- SPDR STI ETF (E3S.SI) – Domestic
- Vanguard FTSE All World UCITS ETF (VWRD.L) – International
- ABF 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 HKD
- Vanguard FTSE All World UCITS ETF Acc (VWRA.L) – denominated in USD
- ABF Singapore Bond Index ETF (A35.SI) -denominated in SGD
So, here I am to share about my experience and why I am about to change my portfolio again.