u can borrow personal loan to trade and earn much more compare to personal loan interest rate.

Like I said earlier. I am scaredy cat. My guts cannot stomach such anxiety that comes with such investment/trading.

I just remembered something regarding this point that you've brought up. The VXUS ETF is actually exclusive of USD. The argument for it is, in the case of a downturn which affects US greatly, but not other parts of the world, this ETF will serve as kind of a hedge (I'm not sure if this is the right term, all of them are still rather vague to me).

Though, how likely is this situation where US is greatly affected, but not the rest of the world? E.g. 2008. Would the sifu here enlighten me. I was rather oblivious to the world financial situation during that period but I had the impression that the effect was pretty much global.

I slap together a quick calculation regarding forex fluctuation (or actually MYR strengthening continuously).

Please have a look and comment. Do keep in mind that I may have left out some details or overlooked some factors. So do point them out and maybe I can improve the sheet to reflect reality better. It's really just a very crude calculation.

Conclusion from it is that if the USD/MYR were to go from 4.5 to 3.5 at the end of the 10 years:
1. If you invest more at every four year interval, you'll be getting less 1.4% of your CAGR. (Four years is based on my personal capability to cough up USD10,000, may be different for you)
2. If you invest only once, then it's 2.6%. Probably this is rather big.

So if you can wait it out so that the MYR weakens closer to the value when you've invested, you may be able to reduce the percentage.

Simulating the continuous strengthening of Malaysian Ringgit over the next 10 years.

Does anyone here goes with the Warren Buffet suggestion of 90% S&P Index like VOO and 10% short term bond? Either way, what are your thoughts on this?

Btw, this VXUS - https://personal.vanguard.com/us/funds/snap...ndId=3369#tab=1 is all world but does not include US. Then again, like I said earlier, their performance is really low at the moment.

3. Who holds the stocks? CDP or Custodian
This is generally a non-issue because most brokerage firms allow you to hold your stocks with the CDP. What this means is that while you buy and sell stocks through most firms, the stocks themselves are held by you. Currently, only two brokerage firms – Standard Chartered and SAXO Capital Markets – hold your stocks in custodian accounts. What this means is the custodian account (e.g. Standard Chartered) owns the stocks on your behalf.

This also means that they have certain rights over stocks that you have bought. Furthermore, on the very slim chance that the firm goes bankrupt, you will lose all your stocks because it is technically not in your name.

4. Cessation Of The Custodian Will Not Affect Your Holdings

According to SCB, in the event of the cessation of custodian account service, the Bank would return the stocks back to the investors, or transfer it to another agent of client’s choice. Therefore, you should not be so worried about your stocks holding if the brokerage firm were to close down (although you really should be choosing a reputable one in the first place).

you can include the calculation of buy ILP fund which act as feeder fund into us/world/etc fund (I know some of the local insurance company offer that in regular/single premium plan), just remember that the cost is quite high which about 5% upfront, 1.5% annual fee, and your cost of insurance and monthly fee (anyway, you can use your credit card to pay it and start with small amount).

What does it take to open SCB SG trading account?

u mean cant open other bank saving account and then open SCB SG trading account only?
must SCB SG saving account a requirement?

What's the AUM for Priority banking? Couldn't see it on their site.

I actually opened an account with OCBC Securities a while back but never used it as had issues linking it to my savings account.

Considering DBS Vickers as I'm interested in their FCA too, need to resolve my CDP account first as I can't remember the details after never using it 

I see - so around $180K USD - quite high!

Guys,... just a thing here if you are not already aware,... since this is an ETF thread,... if you have a DBS account, you can just subscribe to one ETF via the DBS/POSB ATM ! It's as simple as that,...

Everybody can buy it,.... just need to have an ATM Card and press a few buttons at the ATM. Yeah,.. need to have some money too,....

Well, this is one quick option that I thought of at the moment,... you can always consider to just walk to the ATM and buy this ETF when the timing is right, I'm not asking you to go buy now !

Appreciated the clarification, bro,...

The $10 is waived if assets over $100k USD (at least that used to be the case, haven't checked recently)

There is vanguard ETFs domiciled in HK e.g. S+P 500 tracker

But HK doesn't have same agreement as Ireland with 15%WT on divs so tax wise there's no benefit.

You can buy the Ireland domiciled ETFs on other exchanges in Europe too.

Bro Ramjade

Are we able to buy US listed ETF(for example NYSEARCA: SPY) & equities(for example NASDAQ: FB) via SCB SG? How about LSE listed ETF & equities?

Appreciate your help 

ib is cheap for frequent trading, buy/sell.
it is not for low activity.

if u are looking for low activity, better go with local brokers.
they may be more expensive per trade but has no fixed charge.
talk to local banks/brokers, compare.

Thankz so much @avfan
Yaya, I would like to hear more on this @ramjade