u/Dry_Membership_5487

32y/o, have separate bond allocation in CPF/SSB.

Using IBKR to invest in equities (DCA) for a long 15-30 year horizon - currently have 85% in VWRA, 10% STI (specifically G3B but thinking of switching to GAB if I keep this position), 5% in IGLN. Aim of portfolio is children’s university education and retirement.

Thoughts on whether I should do 100% VWRA to optimise growth, or whether the satellite positions in STI/IGLN have an important role? My rationale for STI was to have a SGD hedge (but actually already Singapore-heavy with property, bonds, CPF) and rationale for gold was as a crisis hedge — not super convicted about these hence wanted to hear your opinions.

Thanks in advance!

Have spoken to three AIA agents re: ILP (e.g. platinum wealth elite) vs term insurance (e.g. secure flexi term) - all have independently said they get higher commissions from term insurance? Is that true, and how could that possibly be true?