Folks,

Somebody want to a dumped down simplified step to this approach.

1) Save 3 to 6 months of expenses as Emergency Fund.

2) Save at least USD $2,000

3) Use the USD $2,000 to open an US Brokerage A/C

4) Use USD $1,000 to buy BND and USD $1,000 to buy VT.  We are using 50/50 ratio

5) Save USD $2,000.

6) Transfer the money to US brokerage A/C.

7) Use the USD $2,000 to buy BND and VT.  Buy them at different amount so that they stay at 50/50.

    For example, if BND worth $250 and VT worth 750, use the new $2,000 to buy $1,250 of BND and $750 of VT.  You will ended up with $1,500 of BND and $1,500 of VT.

8) Go back to (5)

You can continue this forever.  After your portfolio reach USD $10K, you may want to do annual re-balancing.  That means you sell either sell BND to buy VT or sell VT to buy BND.  Basically, you sell whoever is more  than 50% of your portfoli to buy whoever is less  than 50% of your portfolio.  To save cost, if the difference is less than 2K, do nothing.

Dreamer

langstrasse,

90+% of my investment is in this.  But, since I am US resident, I invest on mutual fund directly instead of ETF.

<<70% of my money is in PNB fixed rate funds, >>

You have too much money tied up in a single country.

Dreamer

Yup, AMLA issues +fraud - Malusia is very infamous.
Now it seems trainers of terrorists too  which i personally find funny - may training ground for those that are stupid enough to blow themselves up gua but REAL training  ?

I digress. Back to topic.
When i opened OptionXpress a/c with their SG branch last Nov/Dec 2013 - got through
However when i wanted to get onto Think or Swim (bought over by TD Ameritrade) a/c with their SG branch - was told to hold on as their US HQ had issues with Malusians, Indonesians, etc. 

Come on learn to think more deeper.

What if after u use the fake address then the brokerage need to verify your identity such as social security number? ID number? IC number?

Are you gonna fake that using Photoshop?

You can try Interactive Brokers or TD Ameritrade

Not once a year.

Its depend on situation, let say now the market is going other way, so he will rebalance the allocation accordingly.