I have life insurance, robo investment, have stocks in my home country (I'm a foreigner), some fixed deposits in DBS.

Yet, DBS Nav says I have >99 months of emergency funds. I want my money to work for me harder!!!! What else should I try?

Doing research, I often see "singapore bonds" "unit trust" "etf" "reits" but I have DBS digiporfolio already. Should I even with these separately? My goal is more passive income. I can take moderate to higher risk.

PS. I don't have CDP account. Should I make one?

I already have DBS asia portfolio ($1K). I am planning to add additional amount but to global portfolio this time. Is it a good idea to diversify in this manner?

Also, fast forward to the day that I already have both asia and global portfolio and I want to top up. Next question in my mind would be "to where do I add, asia or global"?
-is it better to choose based on which fund has more loss (coz more loss = funds prices are cheaper than I own = my money can buy more)

Hello! It's the first time we're doing this, so do bear with us as we catch up with your questions. As shared by @HeyAnna, we are product managers currently working in the Funds Team at DBS. Always curious to hear what the community has to ask and what to learn, so do share openly!

How can bond funds (or unit trusts that comprise a portion of junk bonds) be part of a diversified investment portfolio, and what are the considerations to take to optimise a portfolio with bond funds of varying credit ratings?

With the rising focus on sustainable investing, are there plans to enhance existing product offering such as Unit Trusts or DigiPortfolio to be more “ESG friendly”? Some examples include companies with high ESG scores or donating a % of fee-income to social causes.

Will the funds in the digiportfolio change over time ?

Are there any plans to include a dollar-cost averaging plan (DCA) for portfolios under the Digiportfolio?

Any plans to increase the product offering on Digiportfolio to other markets like HK, China for example? Now its kinda limited to SG and US

Hi when will RSP function for Digiportfolio be enabled? So we don't have to remember to do top ups. Thanks

Thanks for having this AMA. Sat in the previous event by The Burrow and SGX where one of the presenters spoke about the three teams that play a part in potentially providing advice/expertise to digiPortfolio holders. How exactly does that work?

Hi, as I am a fresh graduate that will only be graduating from university next May, what is the best advice that you can give for someone that is new into investing and have yet to try anything before?

Hi, as there are many considerations involved in the selection of unit trust (e.g. forex rate risk, expense ratio, portfolio manager etc.), may I understand the process on how DBS selects their focus funds?

Hi, thanks for organising this. I want to know simply - what makes DBS offerings more competitive than others in the market today?