Welcome to Red Dot Investor

Hello! This is the first issue of Red Dot Investor — a plain-English guide to investing in Singapore, written without affiliate links or product commissions.

Every issue covers one idea you can actually use: how fees eat returns, why asset allocation matters more than stock picking, and which Singapore tools (CPF, SRS, SSBs) are worth your time.

If you're new, read in this order

1. Asset Allocation: The Only Free Lunch — the one framework everything else builds on
2. Compound Interest: The Math That Does the Work for You — why time beats timing
3. Dollar-Cost Averaging: The Case for Showing Up — the simplest habit that works

This week's report

Robo-Advisors vs DIY: What the Extra 0.5% Actually Buys — we compared StashAway and Endowus against doing it yourself at Interactive Brokers, and worked out what ~S,000 over 30 years looks like on a S starting amount. The honest answer: automation has a price, and it's not always worth paying.

Questions or topic requests? Just reply to this email.

— Red Dot Investor