Think about why you buy ISAC in the first place.

Owning ISAC basically means exposure to MSCI ACWI Index, which includes developed countries and developing countries, and the index is already heavily tilting towards the US markets. 

If you add VOO/QQQ, you are adding even more US exposure into it. Is that necessary? Is that what you/your kid wants?

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You also need to think of the meaning of "complementing". You already got developed + developing countries. Perhaps you can "complement" by adding frontier markets? Or perhaps other asset classes like bonds and bills (or even commodities). Think about what sort of values do adding these have in your portfolio.

If they don't add any value, then just stick to a pure global equity index ETF will do the job. Finance should be simple, not complicated - a good lesson for your kid to learn since young before he starts to be bombarded by structured products by his bankers when he grows up...

Sure, totally understand on your explanation and I fully agree with you. That's why the dilemma whether I should just stick with global ETF.

The "complement" that I'm looking at is more for seeking performance alpha rather than purely for diversification purpose only

Unker trying to help you but your delusion is very deep seated already.

No amount of medicine can save you liou

How much you EPF give over 30 years? 5%p.a compounded
How much s&p500 and Nasdaq 100 give over 30 years 9-10%p.a compounded.

One is self cleaning. One is not. Self cleaning here means lousy companies not making money are automatically remove.

I am not talking short term. You are thinking short term.

like that you move your reply here...

but he is just trolling ppl... no constructive discussion...

calling himself unker in the 3rd person... like this will gain some form of seniority and respect... lol...

How much you EPF give over 30 years? 5%p.a compounded
How much s&p500 and Nasdaq 100 give over 30 years 9-10%p.a compounded.

One is self cleaning. One is not. Self cleaning here means lousy companies not making money are automatically remove.

I am not talking short term. You are thinking short term.

not sure if it's better to dump in one shot like RM10k into ETF or DCA RM500 each time coz there's always fees for each transaction in IBKR. exchanging from MYR to USD also not so favorable these days coz USD getting stronger.

That's why I say know what you are buying and why are you buying. You must have conviction and think long term. Not short term. I have been changing USD since the days of 4.0 all the way to 4.8. I will continue to change regardless of exchange rate. The move up really boosted my portfolio. How long it can sustain, who knows. I will keep changing my weak RM to USD. Them see if got anything cheap to buy. Relative cheap also ok. No need to have super cheap.

I always convert min 10k per shot.

togekiss sound like you are using Wise to transfer to IBKR right? RM500 is expensive bcos Wise charges USD1.13 for each USD transfer

luckily you can convert from MYR to SGD inside Wise, and send to IBKR for free. while you slowly open an sg bank acct for withdrawals

Yes, I'm using WISE. but not so much of withdrawal as I've just started my investment phase into ETF. So it's basically using MYR to change to USD through wise, and then have it transferred to IBKR. From IBKR, to invest into ETF's let's say every 100 USD you invest, you get charged by IBKR as well. So I'm thinking, it's probably cheaper to just invest a larger sum of USD to save on the fees.

As for withdrawal, a lot of people are talking about opening a SG bank account. But we don't know what will happen in 10 years or 15 years time. Perhaps then, IBKR would have tied up with a Malaysian bank to allow withdrawals or something.

Just open a sg bank account and bypass wise altogether.
When I started I don't even use wise. Like I said I collect until 10k then  do a transfer.

As long as Forex is haram in Malaysia, you can keep on dreaming.

Ooh, so transferring money using SG bank account into IBKR is cheaper than WISE to IBKR?

Yes of course. Wise is expensive. Hearsay rhb multicurrency is cheaper than wise. But I don't have rhb not do I know how to get the good rates from rhb.

RHB multicurency not necessarily better, I have to fight my RM for lower pips then baru better than Wise.

I read that it's all online. There no need for human intervention.

Yes it is, daily limit 30k, but I do bigger amount that's why every pip counts