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.