haha yes, you are right. I am indeed in for the long haul.

As you said, it is fun to do. I don't always have the time to look at the market, but when I do, old habits die hard (was a sales trader).

really hope this SA stay strong and always there, haha

since right now SA is my only one investment channel, other i not dare to touch since market not good and volatile.

BTW on SA, if i create multiple portfolio, let say portfolio A, and portfolio B
there is no ways for me to decide for let say i only want monly deposit 800 to A, but want to montly deposit 1000 to B?

the deposit will be auto split to half for both portfolio?

Correct, it doesn't matter how much you actually deposit.

If you want to force the deposit to go into a portfolio, set it in one-off deposit, that will be prioritised.

If you have no one-off deposit configured, it will invest into portfolios proportionate to your monthly deposit settings.

Understand your passion. If I were you, i would conserve my energy and time to create value elsewhere, where I am specialized in doing or passionate.

Not sure what the purpose of 1 time off investment vs monthly investment

Let's say you got A with monthly $300, B with monthly $200, no one-off deposit is set for both:

- You deposit $1000 => $600 go into A, $400 go into B

Let's say you got A with monthly $300, one-off $400, and B with monthly $200, no one-off:

- You deposit $200, A gets $200, B gets nothing
- You deposit $500, A gets $460, B gets $40... because A gets one-off 400 + monthly 60% from the rest

After a one-off deposit gets filled up, it will reset to $0. You can use it as a tool to direct your year end bonus into a goal on your choosing.

This post has been edited by honsiong: Jan 2 2019, 09:57 PM

Hi guys i just received statement from SA and not quite understand on this part

I invested 1188 one shot in december
now still 1188, planning to do dca every momnth 1000, starting from this weekend

in the statement
What are below means?

Monthly-averaged assets: RM38.46
Less: Fee-waived assets -RM38.46

from where the figure RM38.46 calculated from?

is this related to the management fee?

This post has been edited by tadashi987: Jan 3 2019, 06:15 PM

Ah i think cause you invested it late december ? Then they count average..

how the average calculation works?

The asset value only updates once daily... so just daily snapshot

when did you dump in your rm 1k ?

late december

Rm1188/31 = Rm38.32

Assuming you deposit in few days before you and SA bought your ETFs on the last/second last trading day of the year.

Am i right ?I am also curious

ya i think this is it, at i thought is the fee applicable

Decided to dca weekly with small amount.

**the currency impact tho

-1% currency impact

Not really significant

What's your % ?

hey asking a noobie question here

By saying buying ETF is safer than buying stock
since ETF wont outperform underlying stock
buy might underperform

If there is a crisis of stock market crash/ disaster
the impact would be much lower than normal stock also?

YES

Define normal stock.

It’s not buying ETF is safer, ETF simply tracks an index and it turns out most active traders underperform vs indexes.

There are dangerous ETF like short shares, leverage etc.

This post has been edited by honsiong: Jan 4 2019, 04:00 PM

normal stock like buying apple or facebook etc.

newbie to investment, hope u guys dont mind