If you are new to investing, one of the first decisions you’ll need to make is whether an active or passive approach would work for you. These terms refer to the method in which your funds are managed, that is, actively or passively.
If you’re busy with other commitments in your life, such as scaling the career ladder or raising young children, you may also want to consider how much time you have to study and monitor your individual investments. Of course, a higher level of expertise and deeper analysis is usually needed to manage such a portfolio. As a result, you pay higher expenses – in the form of active management fees – to have someone else manage your investments on your behalf.
There’s also the option of investing directly with portfolio managers instead of making an investment via a sales agent, which may sometimes end up with you paying higher fees on your actively managed investment. On the other hand, passive investing is an approach where you invest in passively managed funds such as broad market indexes. These funds are designed to track market performance, rather than outperforming it.
Passive ETFs use algorithms with minimal to zero human intervention to buy the shares in the ETFs, by tracking the underlying sector, region or market. In order to determine if the robo advisor you are looking at is truly passive or active, you may need to study its investment approach and the underlying funds it invests in.Well-known investors such as Warren Buffett or Cathie Wood are examples of active investors who directly choose which companies to invest in.
“I enjoy studying the business model of a company and trying to understand how management is driving the business,” said the 36-year-old. To counter this problem, Lim recommended UOB SimpleInvest, where one can choose from three solutions created by UOB Asset Management, depending on their investment objectives and risk appetite.
On the other hand, Chuin Ting Weber, the chief executive officer of bionic financial advisory MoneyOwl, believes in adopting a passive approach to her investments so that she can focus on her work and family. For women who do not have a financial advisor and with little spare time to research active funds or investments, Weber believes passive investing may be a better choice. At the very least, you will not lag behind the market, and you can avoid paying huge fees.
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