Your answer can be found in this thread.

Is there any web site that can alert us if an ETF that we're monitoring has dropped/gone up certain %?

Anyone using fsmone singapore? What is the cheapest way to transfer money to fsmone singapore?

cheapest = exchange with ur sg working friend


second way:
https://forum.lowyat.net/topic/4857608

access bigpay, instarem, transferwise, sunway money, key in the amount you want to transfer, see how much u will get in SGD, then that's the cheapest.

AFAIK should be sunway money cheapest

Has anyone have any reviews of this particular ETF for the S&P500?

ETF code: VUSA
Fund Manager: Vanguard
Stock exchange: LSE
https://www.vanguardinvestor.co.uk/investme...buting/overview

I "hoot" this one coz it was the most popular ETF with my brokerage. Is it a good non-US one? Tracking error how compared to the US variants?

Have you checked out the Accumulating option VUAA?

I have been tackling this for some time too. But due to Brexit, not sure how UCITS regulation will be affected. Things are a bit fluid for the UK now.

Not yet. But what's "accumulating option" mean ah?

It sure looks alright. Not too different from VUSA apart from the USD currency

Accumulating option means all dividends are automatically reinvested for you, just like mutual funds offered by eUT/FSM in Malaysia pay you dividend, but FSM/eUT reinvests the dividends automatically, so lower NAV but more units in the end.

In their case, the Acc option will mean no distribution is made at all, so the NAV just goes up as usual.

I personally prefer ACC over Distribution since if the fund is losing money it can theoretically still pays out dividend, which comes from your original capital. So, say you invested 100 dollars, fund loses 10% and investment value drops to 90 dollars but they can still pay out say 10 dollars of dividend for you which means you now get 10 dollars but the NAV per unit drops as well resulting in you having 80 dollars invested plus 10 dollars cash. You end up "investing less".

Of course this don't happen often if the fund and its underlying securities do well, especially in the long run, but some investors who don't know this are fooled by mutual funds (especially the ones offered by the 2 "chinese" banks in Malaysia. You know which two I am talking about. ). I always visit the branch and the UT agent keeps telling me their funds pay dividend every year. But they never mention how terrible their fund's performance are when it comes to actual returns.

Some even tell me the commission I pay them goes into the fund to "buy during the dip".

That said, if funds have ACC option or have features that automatically reinvest dividends, you are good to proceed and all that is left is for you to check your risk profile, underlying securities prospects, all kinds of analysis etc,, all the usual homework stuffs every investor does.

This post has been edited by TOS: Sep 24 2020, 10:48 PM

Yeah investing in those crap mutual funds for poor returns is stupid.
The fees they charge p.a. is super high for the poor performance.

Only reason to invest in those is to obtain tax relief/rebate (if applicable).
After getting the tax advantage, fast fast try to withdraw

I see. I thought pretty much all ETFs will reinvest the dividend for you. Or at least, even if they don't, you can do it yourself.

Seems pretty decent and I can't tell this part from VUSA kek. I'm basically investing my leftover GBP into S&P500 and won't think about it for the next 5 years

For mutual funds, I know what you mean. A yellow color bank also tried doing the same for me for some kind tech fund. But the fund even underperform to their own benchmark kek, which was some MSCI Tech index. No need to pay commission to these buggers when I ownself can hoot something that can perform just as well as their fund at a much lower cost

Why u pay fee to SA since u can buy ur own

That's true. Just buy RM1 to see their portfolio and you can just replicate it on your brokers

Hi Have you ever try "TA global Tech Fund"? a mutual fund, but seems their performance is quite good. tho, now it is underperforming since it follow performance of tech giants like apple, microsoft and google, so thats normal to be honest (losing abit of money since i started at the wrong time). i have high hopes for it, so i will just invest in it and not others since the others doesnt appeal to me.

as for stocks, i just started, been wanting to do so for long time d, but dont have the way to invest. now i found one, and started investing - rakuten. then i found FSM one singapore (for US market mostly), but only applying. hopefully they approve my application.. i dont wan to stuck in mutual funds with FSM one Malaysia.

the issue for FSM Singapore is that i am not sure the best way to top up money into my account, since i dont have a Singapore bank account. hope i can top up directly to my account via TT or wire transfer. methods from pervious replies seems .. not so clear, bcos i never used those methods before (sunway money, bigpay and etc). will try and see after FSM approve my application. OR someone here can explain abit on how those methods mentioned works.

This post has been edited by Shynn: Sep 26 2020, 12:42 PM

I personally buy VUSD. Same from Vanguard and LSE but USD-denominated Distributing. VUSA is Pound Sterling Distributing.

And like TOS i prefer to get my USD dividend so that I can choose where i want to invest it. ETF fees very cheap on LSE anyway so I prefer the flexibility than having it "accumulate"

This post has been edited by zenquix: Sep 26 2020, 04:01 PM

Er, I think you mean "unlike" instead of "like".

As said before, the fund can still be distributing dividend even though it's losing money, so accumulation works for me best (Of course, provided that I have faith in the fund in the long run.) That said, even with ACC fund, you can still withdraw anytime you like. So, I still prefer ACC over DIST, to prevent "evil" UT providers not reinvesting "dividends" automatically for me and save me the grunt work of having to monitor such small and insignificant matter.

Other investors may have their own preference. It differs from person to person.

Never came across a US ETF listed in another exchange that pays in other currencies than USD.
Even EQQQ pays dividends in USD.

This post has been edited by Yggdrasil: Sep 26 2020, 05:50 PM

That was the exact fund that yellow bank recommend lol.

Thanks, but no thanks. I tend to avoid actively managed funds now as much as possible, particularly those in the US market. ETFs all the way since no need to pay any management fees or sales charges. Market returns good enough for me

I see. Well, I went for VUSA since it was listed as the most popular ETF with my broker. I regret not going a USD acc now I lose a small amount to foreign exchange now kek

This post has been edited by Eurobeater: Sep 26 2020, 07:20 PM

I chose vusd instead of vusa because:

1) higher volume
2) lower bid/ask spread
3) in USD

I prefer an etf with acc instead of distributing, in usd, sufficiently traded and irish domiciled but cant seem to find one yet.

For world index/developed mkt my ideal ticker is IWDA.

This post has been edited by 126126: Sep 26 2020, 09:28 PM

then check out the mentioned VUAA

https://www.justetf.com/en/etf-profile.html...in=IE00BFMXXD54

it is USD denominated on LSE, tracking S&P500

For IWDA (Acc) look at IWDA on LSE (note the high expense ratio though)

https://www.justetf.com/en/etf-profile.html...in=IE00B4L5Y983

https://finance.yahoo.com/quote/IWDA.L?p=IW...&.tsrc=fin-srch

This post has been edited by zenquix: Sep 27 2020, 09:50 AM

Thanks for this, unfortunately the volume is too thin, which will also mean the bid/Ask spread will be High.