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RealVantage Insights: A beginner’s guide to DIY investing


The world of investing may seem complex and intimidating, but anyone can become an investor and harness the power of their money to grow wealth and achieve financial goals.

RealVantage, a leading Asia-Pacific online real estate investment platform, has released a comprehensive guide empowering individuals to take charge of their financial future through the world of DIY (Do-It-Yourself) investing.

The cornerstone of any sound investment strategy is defining investment goals.

Short-term goals (typically less than three years) necessitate a more conservative approach, prioritising capital preservation over high growth potential.

Long-term goals (five years and beyond) such as retirement or a child’s education benefit from a more growth-oriented strategy that can withstand market fluctuations.

Once goals and time horizon are identified, choosing the right investment account is crucial.
Brokerage accounts allow buying and selling a wide range of investments, including individual stocks, bonds, mutual funds, and ETFs (Exchange-Traded Funds), offering a high degree of control over the portfolio but requiring more research and management effort.

Retirement accounts, designed for long-term retirement savings, offer significant tax advantages, with popular options in Singapore including Central Provident Fund (CPF) accounts and Supplementary Retirement Scheme (SRS) accounts.


Asset allocation, the strategic distribution of investment capital across various asset classes, is at the heart of a portfolio.

Each class has its own unique risk-return characteristics, including stocks, bonds, cash equivalents, Real Estate Investment Trusts (REITs), and commodities.

By strategically allocating assets across these classes, investors can create a diversified portfolio, mitigating risk by spreading investments across various asset classes, sectors, and geographic regions.

DIY investing empowers individuals to take control of their financial future but also demands responsibility.

Key strategies for success include conducting thorough research, developing an investment thesis, embracing long-term investing, utilising dollar-cost averaging, regularly rebalancing the portfolio, and staying informed and disciplined.

RealVantage’s guide also explores additional investment avenues, such as alternative investments, real estate crowdfunding platforms, and passive income streams.

However, the guide emphasises that investing involves inherent risks, and past performance is not necessarily indicative of future results.

Consulting with a qualified financial advisor for personalised guidance tailored to specific circumstances and risk tolerance is recommended.

By following the steps outlined in the guide, conducting thorough research, and maintaining a long-term perspective, individuals can harness the power of DIY investing to achieve their financial goals and build a brighter future.

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