A plug for Turtle Investor and his 3 ETF Portfolio for Singaporeans | Investment Moats Skip to Content

A plug for Turtle Investor and his 3 ETF Portfolio for Singaporeans

We talk a fair bit about a rather passive approach to  index investing in a USA context and Singapore context with the Infinity Global, STI ETF and the POSB Invest saver.

Writing a rather comprehensive guide that brings you through how to get started and a blueprint portfolio allocation is difficult. You have to think with much parameters and there is seldom a one size fits all solution.

The Turtle Trader have written a useful article that shows you how to form a 3 ETF portfolio with the Standard Chartered Online trading platform. You can read it here> Establishing Bogleheads 3 Fund Portfolio in Singapore

Don’t worry. It won’t cost you an arm and leg. This guy looks genuinely wants to help provide the resources to help the average folks built wealth in a sensible way. Its provided free on his site.

A note of the difficulty is that, his recommendation for the global ETF is to use VWRD the US dollar version of Vanguard’s FTSE All World ETF listed on the London Stock Exchange. There is an inheritance tax in UK where currently if the investor held assets greater than 300k pounds,  and the investor passed away, the assets may be subjected to 40% inheritance tax.

This is the difficulty when it comes to selecting an ideal ETF to simplify wealth building. The alternative is to take on more cost with the Infinity Global Fund or to form a global allocation with Vanguard ETF based in Canada, where there currently do not have these death taxes.

If you would like to forgo an allocation that captures the world, there are Vanguard ETFs in Hong Kong that tackles the Asia Ex Japan region, where there are no death taxes and dividend withholding taxes.

Singapore REITs Weighted Lease Average Expiry (WALE)
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