Bro..make sure u make up ur mind on asset allocation

Equity: fixed income ratio

Dun all in sp500 ya.

U can use captrader for maximized saving for now.

If u do lumpsum 100k, then ikbr

Thanks for the quick response.

I got more than SGD 150k locked in CPF (EFP in SG) that I am forced to contribute 37% monthly (20% from me & 17% from company) as long as I am drawing salary (until 55 years old). I am not optimizing that part yet, will look into that after taking care of the cash portion.

I am treating the CPF as my bond bucket of the total portfolio as it's pretty safe. I also have some money in StashAway, sort of "local fund". Plus being exposed to FIRE and "A simple path to wealth" recently, the idea to dump most of the money into low cost index fund resonate with me and that's what I am going to execute. And that complete my 3 fund portfolio.

I know that using captrader is cheaper for one-off, but I am thinking to go with IBKR only as having multiple accounts as transferring assets between account will be more complex later, and I prefer to keep things simple. Furthermore, I should be reaching USD 100k in portfolio size in 6 months, that why I am thinking to time it right so I can avoid the inactive fee.

This just come to mind....should I allocate 50% SXR8 and 50% CSPX to hedge against currency risk?

I agree with the CPF being your security/backup. Most of the time we see 80:20, 70:30, or whatever ratio being recommended especially in the states because their 401k is not mandatory.
But it still boils down to personal risk appetite. If you are comfortable with 100% invested into ETFs go for it.


I don't think hedging is effective as you are buying into USD - your base currency after buying in will be converted into USD. So currency risk will only apply vs. your withdrawal currency (in the future).

Both tickers are not hedged against currency movements - they just happen to be denominated in different currencies with the same underlying securities

You can do your hedging with your bonds, depending where you plan to retire e.g. MBH/A35/SSB if you plan to retire in Singapore

This post has been edited by roarus: Dec 17 2019, 02:09 PM

expecting spx pullback soon...

get ready to liquidate, or top up... hahaha

I just noticed that SPYD (US) and SPYD (Europe) do not have the exact same holdings. Anyone holds these ETFs?

how soon? Almost time to top up for me.

Soon. If not today, then it might be tomorrow. If not tomorrow, then it's the day after tomorrow. If it's not the day after tomorrow, then it might be next week. If it's not next week, then it might be next month or the following year. Anyway, it's soon.

Tbh, just keep DCA and forget about it.

If we wanna read the market like this, why bother passive investing?

It's called passive for a reason

This post has been edited by neverfap: Dec 19 2019, 08:42 AM

market quite extended... very irrational now...lol

at the moment it's been 2 days flat waiting for trigger up or down

yesterday's candle closed neutral...didn't give any direction bias... so back to holding pattern

I'm giving it a 60:40 chance between tonight and next week...I may change my mind after tonight...

Lol. Win Liao
Technical analysis on market haha

Technical analysis summary: it's going to be up, down, or sideway...hehe

What a solid dd u have there. Can be sifu already

Btw, beside sp500 do u invest in index similar to QQQ too?

This post has been edited by neverfap: Dec 19 2019, 01:50 PM

but stocks usually go up during year end, no? window dressing time?

sometimes conventional wisdom failed

last year crashed

sell in may and go away...you will lose out ~10% this year

actually more like hop on, hop off, or wait...

eh, no one interested in SPYD??

Different index approach. The US one is a pure high DY approach. The Euro one is a dividend growth approach. Basically two different ETFs.

oh...thanks! I thought they were their US counterpart, since they are both iShares and using the same ticker symbol.