Stocks is lowest cost for higher transaction amounts. It almost cost nothing to buy 🇺🇸 stocks.

Especially on the lower risks because of muni bonds exposure

But nothing because the losses are so low only like 2%

whats the most people in here pile on lol

wondering if its worth the risk

No one can tell you what is the worth of risk or not. To some, No risk is acceptable. To some, no pain no gain. What is important is you need to know yourself. And never invest with money you definitely need to use in the foreseeable future (less than 3 to 5 years).

If something can rise to 100% in a year but can also drop by 80% in year is it ok to you if you encounter 2 years of -80%? Just as an example of course.

Haven't been here for a while, and still impressed with the level of discussions, lol...very deep. Makes me think why I don't think much with it...cuz:

A) I've set recurring transfer from Simple, so the clutter won't happen to my normal bank account from frequent transfers
B) I've gotten used to the fact that Simple is slow as toot, so accept that and move on
C) SA is meant for long term, so after setting recurring, just leave it alone
D) It's meant for lazy people like me, so it fits, lol

just curious..do you guys feel the return from SA (36%) is consider low compare to Wahed or other platform? my return is like only 5% out of my total deposit (since 2020 Jul). I did DCA quite frequent.

somewhere i dont really agree on the bond..its return is worst than ETF and UT, in my case..

Those two are extremely high risk for me and I consider it gamble rather than investment.
If you're rich, SA fee reduce from 0.8% --> 0.2% too.
The rich get richer.
Bonds risk and return higher than MMF but lower than ETF.
Still it's just saying under normal circumstances.
If inflation and interest increase then bonds GG just like first quarter in year 2021.

There are people here who invested long enough to get 74%+ money weighted return

Mostly will go for 30 or 36

Bad comparison because of the weightage you should compared to 30% because of IVV weightage and because you DCA quite frequent hence it impacted because you bought a lot of highs on KWEB especially during its peak 95 to 104.94 hence impacted your losses by KWEB

Forex high risk but trade less henceforth you will gain because you trade macro fundamentals

Crypto basically pseudo investment but dogecoin is a poker stakes

I started my 36% SRI portfolio since 2020 Jul as well. Has been consistently DCA monthly and I'm getting MWR of 20%+ or simple return of 12.8% after fees.

Lol return

Not too bad for me, this one from june 2020

how much are you depositing each time?

If lost money since Mid 2020, must be due to set super low risk, overweight bonds and GLD.

I must have said this for the 100th time, BOND FUNDS ARE NOT GUARANTEED no capital loss. They are still traded based on demand and supply, and can go up (more than you can imagine, hence the attraction) and down (more than you imagine, hence the surprise).

On a bearish market, companies like to issue bonds to get capital instead of selling their company shares. This creates a high supply. To make people buy them, they will offer higher interest. This "sort of" increase the bond fund overall value, which is why bonds go up when shares are down. Nowadays, you look at IPOs and SPACs going up to heavens, who needs bonds to raise money? sell some shares, or even create more shares. Easier that way. So, no one will buy bonds except forced buying like robo portfolios, and bears (which as explained are in low supply) and they drop in value.

All in to you, no big deal, because I'm sure the loss is not a lot. And who is to say, if we suddenly have a downturn, your bond funds can go up by double digits per annum. It has happened.

The question is whether you know what you are buying. After that you shouldn't be surprised whether it goes up or down. The question becomes what are you gonna do?

seems like the time you entered the market is also a crucial point to take note of. I started my 36% back in Aug 2020, MWR just around 18%...
been consistently putting in the same amount of money every month.

This post has been edited by gundamsp01: Apr 28 2021, 10:15 AM

This is true when the portfolio is very new. As the portfolio ages, the effect of 'time to enter market' will become negligible.

thanks for the numbers

anyone tried SR 10% or lower? wat is the return up to date