stormseeker92 Are you one of them?

T20 withdraw savings via i-Sinar to invest in gold, stocks
https://www.theedgemarkets.com/article/t20-...est-gold-stocks

This post has been edited by GrumpyNooby: Feb 5 2021, 07:27 AM

It is the time because bullish sentiments is back, rotation play

Don’t worry too much other will outperform GLD

Nope. I am B40. Why it seems like you're always attack me in this forum hahaha

Later I lurk only lah

Because I only remembered that you took out money from iSinar which is a daring move!

Do you DCA ?

i tot t20 cannot take isinar?

i applied isinar, BPN, BSN, BPH or whatever.

end up all fail and tidak lulus.

i called them and ask why, they say I am T20.

but I know I am not T20.

can see see some screenshot?

cant be that low.

My MWR and TWR is
Money-weighted return
59.47%

Time-weighted return
48.48%
I start investing to SAMY September 2019. About 1yr and 4 months ago

I feel something is wrong with my direct debit. I put the date on 31 for January for simple and 1st February for general investing. But till today it just shows in process. So I tried yesterday to do 1 time deposit. This morning it shows then it will be updated in my account with 2-3 days. Felt weird. Any solution?

Ikr. Impossible

Probably changed to 22% risk between Dec 27 till now, and changed to 36% between between Dec 11 to 27.

Either one or more of the below:
1. Panic withdraw during market dip
2. Fear of missing out and pump a lot more during market raise
3. Switch to lower risk index during market dip
4. Switch to higher risk index during market raise

Easy method that works for almost everyone:
Consistently 'stash away' a portion of active income and ignore for 10-30 years.

strictly speaking i-sinar no income limit (T20 can apply if lost all or 30% of income from Covid-19 period, based on EPF data or appeal with supporting documents)

however this report is based on a poll, not an actual study of withdrawals

self declared T20 can report whatever they want to the poll, they may not actually have withdrawn anything

Newbie here (2-3 months). Can anyone tell me why GLD has been doing so poorly? I only remember a few days it was in the green.

Gold is safe haven when stocks drop like flies.

So when ppl sell stocks they move their money to commodities like gold - stocks down, gold up

Now stocks going up, ppl selling gold to move back to stocks. - stocks up, gold down

Please correct me if I am wrong

Gold is considered a safe haven investment in the past. But due to the number of speculators purchasing GLD etf lately - every time the market dips, speculators will sell off their holdings in GLD to purchased other more attractive shares. So, GLD would fall.

All the above is true. U cannot think of gold as safe haven per se. It has different functions at different times. Sometimes as safe haven, sometimes as store of value, sometimes as inflation hedge, sometimes as alternative to low yield bond etc etc. It's a tricky asset.

believe you have keep changing portfolio.

if you loss confident, try keep 22% and 36% for one year w/o doing anything. next year baru decide to keep or withdraw.
if you still hv faith, just continue DCA in 22% and 36% for 1 year.

Actually you have pick the best port performance if keeping them for one whole year.
https://www.stashaway.my/r/our-returns-2020

I started using stashaway when they started in 2017... I only see +ve returns in 2019 LOL.

1 year from 2017 leading to 2018 xmas crash was not easy.

Your scenario is rotational hedge to value preservation

A lot of reasons of GLD drop but the main reason is USD is hitting almost 92 hence GLD tumbled due to stimulus is coming for sure

Ppl who buy GLD mostly already rich enough only to have their portfolio value being preserve for the long term

GLD will not go below 1550 in the next 2 years unless interest hike then we will see a major bounce on GLD

My main portfolio is self-managed but I've been investing my salary for the past 2 years through SA. It began as an experiment to see what robo-advisors are like, and I really do like how simple it is. Pick your risk index, put money in, monitor performance. They are a lot more disciplined at maintaining portfolio balance than I am by myself.

However I'm at a juncture where I will probably stop using it. It's not about the fees, it's more that SA doesn't save me time since I already spend 10-20 hours a month following investment news and doing research anyway, and at this point I'm comfortable taking on more risk for reward.