Actually wrong. That's the worse way.
It should be CIMB my > instarem/money match/Bigpay/TransferWise/Sunway money > fast saver

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.

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

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.

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.

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

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

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.

Yes. Tech have always been expensive. Keep buying. When dips come buy. There was a dip few months back where ark was sinking.

Do not buy unit trust from FSM SG. There's quarterly platform fees involved. If you die die must buy unit trust, use Poems SG. Zero percent service charge, zero percent platform fees.

Again it's cheaper if you collect until RM12k and make the transfer overseas.

Go test water with USD100.00
Forget about using TD Ameritrade. Need to wait super long time.

None. Pick the most bang for buck etf. You want your money to be working hard for you.

For that I only recommend Ark funds.

No need to know about other etf. Just buy ark etf enough.

Bro they already got 5 years record just that this year people heard of her.
https://ark-funds.com/arkk#performance
That's just one fund. You can go look at her other funds.

Why because she's doing what other other funds are not doing. Leaving those funds in the dust and have been beating the S&P500 year in year out. All her picks are well unorthodox, disruptive to current companies, and not index hugging. And because she's that good, lots of people trying to copy her.

I like to give an example
0.03% expense ratio for 8%p.a return vs 0.75% for 30-40%p.a return. You can see which is the better value for money.

This post has been edited by Ramjade: Jan 5 2021, 11:28 PM

polarzbearz. elea88, alexkos, dwRK, roarus
now you can use transferwise to transfer USD
https://investmentmoats.com/money/send-mone...active-brokers/

I just experiment and see if it will go through.

Actually 5 years is pretty long already for funds.
Well it did. And see how it rebounded post March.

You don't need to worry about how much it drop in a bear market. In a bear market the more it drop the better. More discounts to buy. I love a good discount.

It's not for the faint hearted cause it can swing 10-20% one time.

This post has been edited by Ramjade: Jan 6 2021, 08:37 AM

Yeah me too. Anyway no problem is transaction does not go through. It will just get refunded back into my TW borderless account including with the fees.

Let's see if my USD100 transfer can go through. I am in no hurry. As of writing this post money have arrived into IBKR bank account but not released yet to me acording to IB site. Will check tonight and see.

polarbearz any idea about using margin via IB? Once I hit USD200k I think no harm with margin of USD20k. Any idea how to apply to cap margin at only USD20k?

Cause I have been in tech since 2015 and tech have always give the best returns. Not to mention ark is the new form of tech. Disrupting tech vs old tech. So you thinkn?

You can buy other stuff than amzn. Shopify, SEA, scottish mortgage trust

That's why I am planning to limit it to only 10% of my portfolio and it's going to involve ETFs only. No prize for guessing which ETF I am going to pick. Interest only 1.5%p.a I got this idea after doing some research. All the successful people borrow money to get to where they are and that include Warren Buffet.

This post has been edited by Ramjade: Jan 6 2021, 11:51 PM

No. UK market is priced in penny. So 1 unit is essentially GBP12.4