lorawilliams
New member
I have the Sygnia Skeleton Balanced 70 fund (0.43% TER) through the Sygnia RA. I’m happy with the nearly 30% max offshore exposure but wish it had more equity exposure (currently 69% and can be up to 75%) and less in cash (nearly 7% currently)
Does anyone manage their own Sygnia RA, and what do you choose? In my 20s so would prefer to max out the regulation 28 limits for as much growth as possible, but also keep costs and effort low. I see I can switch to a few good ETFs but would need to try calculating whether it complies with Reg 28, and monitor it often for compliance. Would also need to try calculating the TER on the few ETFs chosen.
Do I make the effort to switch and monitor, or leave in the Skeleton Balanced 70 which is alright but could be better?
Does anyone manage their own Sygnia RA, and what do you choose? In my 20s so would prefer to max out the regulation 28 limits for as much growth as possible, but also keep costs and effort low. I see I can switch to a few good ETFs but would need to try calculating whether it complies with Reg 28, and monitor it often for compliance. Would also need to try calculating the TER on the few ETFs chosen.
Do I make the effort to switch and monitor, or leave in the Skeleton Balanced 70 which is alright but could be better?