His portfolio if from vanguard, there is only two ways to get in. Either you have an account in the US (which I think Dreamer have), or you willing to invest in their Dublin domiciled offshore fund, with minimum US 100,000 investment.

By the way those are not unit trust, they are low cost index funds, in the case of Dreamers, they are mixed index funds.

This post has been edited by gark: Oct 8 2010, 12:34 PM

Any idea what's the annual return like over the last 20 years?

My financial status:-

Age: 27 years
Cash on hand: Free disposable cash of RM230K
Liabilities: Nil
Properties: Nil

Any guys here can recommend what sort of investment can I take?
I am a moderate risk taker.
Thanks.

Gark, thank you. yes, I am aware of Vanguard, about the portfolios they hold. In fact, I am with Fidelity, which also has a fund-house facility.

No problem, if it is worth it, I can find a way to invest. Just would like to know, does it give out yield, ie regular dividend payouts ? Hoping you can teach/enlighten me a bit.

Yes it is much more harder comparing to join my father company. But the hardwork was worth it.

No offense done.

They are into Agricultural, land banking and real estate rental business (refer to one of my thread regarding room rental). Have not reach my 30s.

I was graduate as Quantity Surveyor and I had to choose between going to Nottingham to get my degree in QS (got a full scholarship program with Yayasan Sarawak) or work with my dad or start on my own career. I choose the third, and yes it is bloody hell hard work, but as I've said it... It's worth it.

Ahaha..... its in your blood.... I took mech eng. During my join class with civil eng, I can tell you, 80% of the students` parents are eigher contractors, developer, or consultants


So, you start your career after nott?

I didn't take the scholarship. Rejected it, and go to Sabah to work for a contractor and developer company. Then after working for a few years with both companies, I came out as soon as I spot an opportunity.

Anyway, I think we are off topic.

So, you didnt finish tertiary education?

Want to back? try disclose your net worth

Nope I didn't. Just got a Diploma. But I intend to finish my education some day, project management. Should be easy for me, I hope.

I've refrain myself from disclosing my net worth in the 1st place when I saw this thread, and I don't intend to do it now.

I believe people tend to create their value or create another new ID to post their actual net worth

Folks,

I am a 60/40 person.. 60% stock and 40% bond person.

For those people interested in my holdings:

1) VSMGX is a fund of funds. If you can open a Vanguard A/C, you can invest on it.

https://personal.vanguard.com/us/funds/snap...&FundIntExt=INT

1. Vanguard Total Stock Market Index Fund Investor Shares 34.8%
2 Vanguard Total Bond Market II Index Fund Investor Shares† 30.1%
3 Vanguard Asset Allocation Fund Investor Shares 25.1%
4 Vanguard Total International Stock Index Fund 10.0%
Total — 100.0%

It is usually a 60/40 fund. It consists of index funds. The asset allocation fund is a timing fund that move between stock index fund and bond index fund managed by advisor.

You can check the performance on Vanguard or anywhere.

2) VWELX is a low cost active managed mutual fund. It is the OLDEST mutual fund with 70+ years of history. It is 65/35 fund.

https://personal.vanguard.com/us/funds/snap...&FundIntExt=INT


3) A person can open an USA brokerage A/C and buy Vanguard ETF. In those cases, they just need to buy VTI (US stock), VEU (World Stock), and BND (Bond index) to start doing asset allocation...

4) You can construct various version of this Lazy portfolio depending what number of asset classes that you want to follow.

http://www.marketwatch.com/story/five-lazy...io-strategies-a

Dreamer

Age: <30

Occupation: Developer/Contractor

Marital Status: Not Married but got GF

Asset(s):

1) Housing :
a) Apartment (where I live now) = Fully paid
b) 2 units of Double-storey terrace = Contra

2) Car = Prado King and Toyota Wish (personal)

3) Investment (posted before in LYN, so nothing to hide also)
a) Land Bank = 5,040 acres in total (some are personal, some are sharing)
b) Commercial buildings = 1 warehouse (personal) and 1 shoplot (sharing)

4) Cash in hand = ???

There, I post it.

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Added on October 8, 2010, 7:11 pmWow, @dreamer101. Impressive. I will check on your link and google more on the details you share. Just curious about the vanguard thingy.

This post has been edited by edyek: Oct 8 2010, 07:11 PM

5000 acre , you must be freaking rich.

edyek,

This is a TOTALLY PASSIVE approach. I just do not have time to be actively managing my investment. I focused my time and effort on my job and family.

It is NOT necessary better or worse than what you are doing. It is just a different way.

If I have more time, I probably join my family on investing in Palm Oil plantation. They started a SDN BHD to do this.

Dreamer

P.S.: This is also a portfolio designed for retirement income. Hopefully, in a few years, I can retired and start traveling around. Then, I do not have time to be actively managing anything either.

This post has been edited by dreamer101: Oct 8 2010, 07:22 PM

u don't have to involve in daily business operation if there is someone in your family who is reliable and able to manage oil palm plantation

i myself owned a piece of oil palm plantation, all the daily work(harvesting,fertilizer etc) is done by my uncle, in return i pay him a fixed sum of amount

for my case, the family business is now at 3rd generation, which reach my father and uncle generation, i'm more worry at the time reach 4th generation, fortune will create havoc and dispute among cousin

Dreamer101,

Thank you for your sharing, yet, it still puzzels me. Why you invested in USA instead of locals? Why not other countries? China? India? France, etc

Awakened_Angel,

You DID NOT study what I am posting. Follow the link to learn more.

VTI is the 2,000 largest public listed companies in USA.

VEU is the 2,000 largest public listed companies outside of USA.

https://personal.vanguard.com/us/funds/snap...&FundIntExt=INT

I invested the WHOLE WORLD.

The CORRECT question to you is why are you only investing in a few countries.

I have 5% to 10% on PBBank, VGSIX / VNQ too.

Dreamer

well, here goes mine

Age: third quarter of 20`s
marital status: wife with 14days old girl.
Assets:
1) double storey semi terrace(almost paid)
2) Honda Civic (almost paid)
3) 2 shoplots... for rentals....
4) 3 bird house(above my hardware premise)
5) 3storey shoplot(yet to be build)

investments?
< 10k in Public mutuals... but see the potential and will invest more
10k FD
Cash in sayings 100k

P/S I worked for my own company. All my expenses, car installments, housing installments are paid by "company"



that is a big wow

Just visited a land broker just now(afternoon) went to see a piece of land that was deem a "great deal"

it is a 20 minutes from main road to the very rural area..... 10' road with great slope... then we reach it.... it was a hill... full of palm oil.....

7 acre for 800k

edyek.. interested ??

friend, my business partner just purchased a piece of land in cat state. 1mill for 50 acre. Is that cheap there?

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Added on October 8, 2010, 7:48 pmDreamer101,

I appreciate the highlighting part... For your questions, the answer is simple I am begining to investing.... besides real estate and business

This post has been edited by Awakened_Angel: Oct 8 2010, 08:03 PM

No I'm not. Some of the land are shared investment.

Yeap, that's right. Just want to learn what is stocks and bonds, not necessarily will invest in stocks and bonds. Invest with your family, be a sleeping partner?

1) Me too. Only my personal car are paid by me. Others four wheel drive (pickup) are purchase by company.
2) I deem the land to be in West Malaysia. I don't invest there as I've no information about the land there. Don't know whether it is worth invest or not.
3) Location? If it is withing <20km from Kuching city, then the price should be around there.

I have not been to east malaysia. So I`m not that familiar with the market price there.

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Added on October 9, 2010, 9:50 amP/S I suppose you and I only disclose personal net worth, but not commercial net worth

This post has been edited by Awakened_Angel: Oct 9 2010, 09:50 AM