Traditional index. Not arkk and certainly not cxse.
Traditional index contain all the junks inside. AIrplanes, banks, ford, oil companies.

Ark have everything I like inside and non of the junks. Same with cxse.

Why pay money to buy junk? Doesn't make sense. Just because the company is big doesn't mean it's good. Just because the company is small doesn't mean it's bad.

The old school of hating etf investing because
1) it contain junks
2) some of them inside the etf are not paying Dividends.
As dividend Investor, it's all about the dividends. Invest into etf will lower the amount of dividend received.
3) index investor means you need to sell somewhere down the road unless you are super rich. I hate selling. But with dividend Investing, there's no need for selling cause if your Dividend can sustain you.

All that change if you are into growth investing.
A 8% growth a year in traditional etf investing is rubbish standard. You want a min 20%p.a
With growth you need to sell.
So traditional etf won't cut it.

This post has been edited by Ramjade: Dec 11 2020, 11:53 AM

You can find answer here.

Hi, many thanks for the various points you bring.

Are you saying with even funds like cxse and ark, you are actively selling at what you think are highs and buying at what you think are lows?

How do you determine both, can you share if your are so kind?

Just DCA into them every month. That's how index investing works. DCA.
Good thing about arrk and cxse none of the junk inside.

So in particular, the statement about "with growth you need to sell" you do mean individual stocks right?

Growth and index investing require you to sell to get your money back. You don't need to do that for Dividend investing.
Selling part for Dividend investing is just bonus. Cause you are still getting paid just to hold the stock.

I think I get it now. You mean eventually to profit / realise the gains, I'd have to still sell it someday. Whereas for the dividend funds / stocks etc i should gear myself up for the frequent receiving of dividends and set up for it accordingly.

Not really. Etf should not be used for Dividend investing as some stocks inside the etf doesn't pay dividends. This will bring down the amount you received. Of course if you invest in Dividend etf it's a different story and then everything inside is paying a dividend.

Yes to get the money you need to sell the growth stock or the etf. You don't need to do that if you are doing Dividend investing. It's nice thing to have (able to sell but it's optional) in Dividend investing.

Now s&p500 contain lots of junk like ford, Exxon Mobil, Boeing, IBM, Intel, that's the reason I am against those companies. Not worth buying those companies. That's why pick the best one from the s&p500 and buy them. Skip the junk. Now with ARK etf and CXSE we don't get such junks.

Why are these stocks, such as Ford, Boeing and so on, junks? Is it because the value of these stocks cannot grow as much as the value of technological stocks?


ARKK is ARK Innovation ETF in NYSE Arca Stock Exchange, right?

CXSE is WisdomTree Trust China ex State Owned Enterprises ETF in Nasdaq Composite Stock Exchange, correct?

Thanks for your information as always, Ramjade.

This post has been edited by kart: Dec 12 2020, 09:51 PM

Fundamentals sucks. Same goes with IBM. Intel also lose out to AMD this year.

Boeing have corruption scandal (Boeing 737 MAX). A company with corruption scandal and not honest will never be in my watchlist.

Yes WisdomTree Trust China ex State Owned Enterprises or you can buy iShares hang seng tech etf. I prefer CXSE over ishares hang seng because cxse have higher percentage for Alibaba and tencent. Same reason I don't like QQQ. They have some junks inside.

This post has been edited by Ramjade: Dec 12 2020, 07:39 PM

How to buy ARKK in malaysia?

Hi guys, I'm planning to buy these ETFs:
VGT, SPY and BND around $500 each since I'm still studying with a limited capital

Also should I only focus on capital gains and avoid dividend investing because the 30% tax?

try to checkout interactive brokers or tiger brokers, they should have it

if you don't want to use foreign broker and to buy with myr only you have an option at fsm, can look for affin Hwang World Series – Global Disruptive Innovation Fund

Just open international broker via Tradestation Global (Interactive Brokers). Save in the long run vs FSM


Sales charge 1.5% vs USD 1.50
Recurring Annual Mgmt Fee 1.8% (no double charge but still...) vs. Expense Ratio 0.75%
Minimum Initial investment 5k++ vs. as low as 1 unit (market price today @ 127usd)

https://forum.lowyat.net/index.php?showtopic=4843925&hl=

Is there any downside to transfer Rm1k a month to Tradestation global vs all in RM12k in 1 transaction?

I mean I know the currency fluctuation risks, but in terms of costs involved via Instarem or Sunway money, is there any hidden costs other than the few RM?

12k in malaysia right now can get me RM20 interest by end of the year lol. If possible I want to just use my salary / monthly income to fund, rather than dig some FD or existing instruments.

I just started, I have a brokerage / trading account in Etrade and want to use it to buy ETF.

This post has been edited by lee82gx: Dec 13 2020, 04:56 PM

Yes. If you use like Sunway money cost is I think fixed at RM1.00. But if you use like instarem, it's based on certain percentage. I have not test whether instarem cost is the same. This is because they are generally more expensive than other platform (I noticed it from last year)

Your choice. For me once I have minimum RM12k I convert and never look back.
You can consider using pseudo bond like stocks overseas to park money. One very good stock I use is parkway Life REIT. This is because IB does not give any good interest at all.

This post has been edited by Ramjade: Dec 13 2020, 05:37 PM

Hi Ramjade, may i ask which ARK ETF is the best to invest on? I recently went into Ark Genomic ATF but it seems like I went in at much high side. Your view is much appreciated. TQ

Depends on what you want. If you want returns arkk or arkw.
If you want biotech ark genomic. But can't go wrong with ark.

Is DCA suitable with ARK ETF? Many people has commented that ARK's funds are already overly bullish.