Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
6 Pages < 1 2 3 4 > » Bottom

Outline · [ Standard ] · Linear+

 Investors Club V10, Previously known as Traders Kopitiam

views
     
Cubalagi
post Oct 6 2019, 05:34 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 6 2019, 12:09 AM)
one warrant's name is xxxxxx 2018/2021, the other is 2018/2023, meaning their expire 2021 and 2023 respectively?
I don't know where to check their info other than on the trading platform.

and how do you exercise a warrant? Is it through the platform? I only see the buy/sell button.
*
Warrant full term is in a document called a deed poll. Maybe need to go bursa website for announcement. If u tell me the stock maybe I can look for u.

Exercise method, I think it's like a Drip subscription. Pretty manual process. U should check with the IR department.


Cubalagi
post Oct 13 2019, 01:24 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 11 2019, 08:17 PM)
so with the latest "foreigners allow to buy property from 600k and above" instead of 1mil, it's time for property stock like MahSing, SPSetia, Eco??

*
Question is which one?

https://www.thestar.com.my/business/busines...er-by-the-dozen

Property company index near 10 year low.

This post has been edited by Cubalagi: Oct 13 2019, 01:27 PM
Cubalagi
post Oct 14 2019, 07:30 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 14 2019, 12:09 PM)
as a M'sian resident, for US stocks, definitely 30% tax dividend? no way around this?

what about SG resident? Is the tax lower?
*
Should be the same.

But why want to go US for dividend stocks, there are many choices in this part of the world already.
Cubalagi
post Oct 14 2019, 08:50 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 14 2019, 07:38 PM)
I'm thinking of buying their high dividend ETF, like SPYD etc.

what about other countries? for HK, Tokyo, Shanghai stock exchange, what are the tax rates?
*
SPYD has lousy performance compared to core S&P500 etfs. But with US market close to all time high, if want to buy n hold, I rather wait.

Btw there is a decent Vanguard S&P500 ETF isted in HKEX (3140).

HK has no WHT except for Chinese stocks listed there which is 10%, Japan has WHT I think 20%. Shanghai is as the HK listed Chinese stocks but the market is hard to access anyway. Best way to access Shanghai is via ETFs listed in HK or US.

This post has been edited by Cubalagi: Oct 14 2019, 09:23 PM
Cubalagi
post Oct 15 2019, 01:57 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 15 2019, 12:34 AM)
for core S&P500, I'd like to wait but, what if there's no recession in the next 2 years?

for the high dividend ETF, I'd like to buy because it can sustain during the recession, if it comes.
I guess the liquidity is not as good as the one in NYSE?

*
For the HKEX Vanguard S&P500, unless you are trading millions of USD, liquidity should be pretty good.

On SPYD, it doesn't have a recession track record yet, but I looked at another dividend ETF which has and that's SDY. SDY fell more than 50% in 2008/2009 recession and that's nearly the same as S&P500. So I wouldn't put too much hope on dividend ETF to sustain in recession. Add in witholding taxes, it's not great value proposition, at least to me.

A US equity ETF that I really like is the Vanguard VTI, you can check that out.

QUOTE(moosset @ Oct 15 2019, 12:34 AM)

I'm searching for other ETFs other than S&P500. Would like to diversify outside US, that's why looking at Nikkei225 or HangSengIndex or SSE composite.
*
U will be spoilt for choices. But I think what is more important is to diversify across asset classes, not just geography.

As for me, for my current portfolio size, Bursa, SGX and HKEX are good enough playground.

Cubalagi
post Oct 15 2019, 02:10 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(~Curious~ @ Oct 15 2019, 11:38 AM)
hrmm..can anyone elaborate on d differences between rakuten trade and mplus?
- ive checked both, d brokerage fees for cash upfront account is RM7.00, sounds like up the alley of a newbie small fry like me..
- i'd prolly only need to trade less than RM5k a transaction.
- i mainly communicate in English so the education links at m+ seem more attractive
*
This was discussed extensively in this forum. I think the conclusion was M+ is better.

On Rakuten, the nice thing about Rakuten is completely online account opening. M+ u still need to drop by their branch. Second is the RT points that can convert to AirAsia etc. The not nice part about Rakuten is that it's a nominee account., which means can't apply for IPOs n attend Agms.

M+ seem to have many seminars and training.

Cubalagi
post Oct 15 2019, 02:32 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(wongmunkeong @ Oct 15 2019, 02:18 PM)
er.. SPY is S&P500 ETF leh, NOT "dividend aristocrats"

NOBL on the other hand is the ETF for dividend aristocrats https://finance.yahoo.com/quote/Nobl?ltr=1
What are dividend aristocrats? companies that have been paying out:
1. yearly INCREASING dividends
2. for at least 25 years
3. fail even once to increase or pay out.. out U go from the list

some of the companies in that category are:
KO
3M
MCD
XOM
CVX
O
*
He was talking about SPYD, not SPY.


Cubalagi
post Oct 15 2019, 02:47 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 15 2019, 02:35 PM)
but with VTI, the index can only go up when the global economy is doing well, no?

*
VTI is US total stock market, not the world stock market. It has 3600 US large, mid n small cap socks as opposed to 500 large cap only S&P500.


Cubalagi
post Oct 15 2019, 02:55 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 15 2019, 02:52 PM)
ah.. sorry. I misread as world total stock.
*
https://investorplace.com/2014/08/better-index-sp-500/

I think u mixed up VTI n VT.. That's why.


This post has been edited by Cubalagi: Oct 15 2019, 02:56 PM
Cubalagi
post Oct 16 2019, 01:35 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(Kar Weng @ Oct 15 2019, 10:50 PM)
I've been using Rakuten since end of 2017.
Feel free to PM me if you want to know more in depth experience (the pros and the cons) on using Rakuten.

*
One Q, is the RT points any good?

Cubalagi
post Oct 16 2019, 03:12 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(Kar Weng @ Oct 16 2019, 01:45 PM)
I would say it is good, but only at a minuscule level. I'm not familiar with AirAsia BIG but we'll take BONUSLink Points as an example, since I'm also a shell petrol user. In Bonuslink you need 1000points to convert to RM10 worth of petrol, but each Rakuten trade transaction only gives you very little point (easily single digit).

"For every RM 2 brokerage  paid, earn 1 RT point = 1 point on any of our affliate partners platforms."

When they have promotions though it's kinda worth it (e.g. opening an account and get free 1000 points).
It's only in Rakuten's favor to encourage you to perform more trades, since that's how they generate profits. Don't be tempted to trade excessively just for the sake of getting those points if you're not into short term stock trading, or should I say gambling. RT has too little emphasis on long term investment. But if you're talking about convenience plus A BIT of incentive in the form of points, then RT is the clear winner.
*
Yes, can see that they want to push for more active trading. I see a lot of points for contra account opening and warrant trading. Dangerous stuff for newbies.

So u get good points in the joining, but thereafter if purely based on cash upfront brokerage, it's really nothing great. To get an extra 500 RT, need to trade RM1000 worth of brokerage. That will take me several years. I guess it only make sense when you combine the points with other sources.

This post has been edited by Cubalagi: Oct 16 2019, 03:13 PM
Cubalagi
post Oct 17 2019, 04:25 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(~Curious~ @ Oct 17 2019, 10:11 AM)
what can u use d RT points for?
*
Convert to AirAsia Big points, n buy AA flight tickets at big discounts. That's the theory. Another is Bonuslink points.

Cubalagi
post Oct 18 2019, 12:29 AM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 17 2019, 09:24 PM)
UK & EU already found a deal.

so no more recession?
*
More worried about US n China. UK small fish.
Cubalagi
post Oct 18 2019, 12:49 AM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 17 2019, 10:37 PM)
wah... can use USD, HKD or RMB. Definitely a plus.

but the expense ratio is 0.18%! Damn high!
VOO only 0.03%.
*
High? Hahah.. 0.18% pa is not damn high at all.

High is like the Public Mutual/FSM UT types that are still charging 1.8% per annum for foreign equity funds. N many ppl still invest in them!

US etfs like VOO are super low expense nowadays is to attract those advisors such as Stashaway to use them. These guys charge like 0.8% per anum. So u add in the ETF fees, say 0.18%, then it becomes 0.98% which then this start to impact performance.

But if u invest directly, then u practically won't feel the difference in performance between a 0.18% vs a 0.03% pa, unless u are the few bucks that matter person. Your selection of the right underlying and market timing are far more important.

This post has been edited by Cubalagi: Oct 18 2019, 01:42 AM
Cubalagi
post Oct 18 2019, 11:53 AM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(~Curious~ @ Oct 18 2019, 11:11 AM)
Cubalagi saya plankton,prolly cant rake up enough RT  points to convert..haha...im more interested in the support and learning facilities?do u know of it,or its non-existent in RT?I checked out their site,not much workshops but im wondering if they show it only to registered users
*
Not much on learning n workshops.

Cubalagi
post Oct 18 2019, 05:12 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 18 2019, 04:03 PM)
I'm not sure how to calculate the fees based on expense ratio so I used an online calculator.

https://www.begintoinvest.com/expense-ratio-calculator/

10k initial, 12k annual, 6% annual return = 1359 difference.

but on the other hand, dividend in HK has no tax. Hmm... still not sure which is better. Maybe just buy both.
user posted image
*
For me 0.18% pa is good. I guess if u r thinking of 10 year+ investing in tht product, then all the small savings will look big. U can try plug in using the expenses of a normal Malaysian UT .. U will get a shock of how much it costs an investor over a long term which is why I exited UT many years ago.

I also think u should also look at ur total investment portfolio costs. Since I hold directly stocks n bonds (No MER), cash (no MER) n ETFs (low MER), my total portfolio cost is still low. I hold 0 unit trusts n don't use discretionary fund services or robo advisors.

N of course u need to minimize the transaction costs: brokerage, forex etc. That tends to be high as well.

On the HKD ETF, u still can't avoid the WHT tax I'm afraid. I believe the dividends paid to u will be net of the WHT on the ETF itself.

This post has been edited by Cubalagi: Oct 18 2019, 05:15 PM
Cubalagi
post Oct 19 2019, 11:58 AM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 19 2019, 11:04 AM)
no tax rate on div, no?

*
You don't get taxed.

But the ETF itself would have been subject WHT for dividends it receive from US companies.

Cubalagi
post Oct 19 2019, 12:16 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 19 2019, 12:11 PM)
oh yeah, I forgot. The companies are based in the US. So basically, there's no tax advantage?
*
Not from US WHT
Cubalagi
post Oct 19 2019, 07:14 PM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(moosset @ Oct 19 2019, 12:30 PM)
In that case, maybe I'll invest in HangSengIndex while the riot is still on-going.
*
That will be either 2800, 2833 or 3115. All very low cost.
Cubalagi
post Nov 1 2019, 01:27 AM

Look at all my stars!!
*******
Senior Member
4,489 posts

Joined: Mar 2014


QUOTE(~Curious~ @ Oct 31 2019, 11:41 PM)
user posted image
is affin hwang the only 1 offering this kinda deal? (lending and borrowing securities in ur portfolio)?
*
Yes.. But I hear Kenanga IB will launch this service by end of this year.

This post has been edited by Cubalagi: Nov 1 2019, 01:28 AM

6 Pages < 1 2 3 4 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.1187sec    1.00    7 queries    GZIP Disabled
Time is now: 4th December 2025 - 07:31 PM