Yup.
I try to put as much as I can into my Simple, sometimes I just treat it as a savings account.

Unlikely that M'sia alone can make 1bil USD from us poorfags in this time. Besides, they would have announced an even bigger number for their total if it was SAMY > 1 bil.

Wahed's HLAL is USD80M in market cap. So you imagine their portfolios have min 20-40% allocation to HLAL, that would mean roughly maybe USD400M max.

affin hwang may have some funds by themselves that exceed 1Bill USD.

I suppose one must start somewhere. Besides, I think both systems can co-exist for the short and medium term. After that, you may see M&A's.

Um, if u enter now, almost none of it would be kweb by way of active rebalancing.

You still end up buying lots of GLD and VNQI. I hope you won't ask why not buying the ijr and kweb or aaxj etc which are so hot instead.

But if you are really trying to ask if you should or should not buy during the peaks, then this question has been discussed ad nauseum. In a bull market, the risk of not entering and losing opportunity is higher than making a loss. Think of it this way: your portfolio already invested should be many many times more than your planned dca this month. So why worry about the small amount buying ath, suffering correction but not worry about your big pool also suffering the correction? If thats the case why not sell the whole portfolio now?

Thats because you believe deep down it will rise, eventually. So if indeed that is true, why not keep investing / invested?

BTW I am only sharing my useless 2c. Don't listen to it.



This post has been edited by lee82gx: Jan 26 2021, 08:10 AM

right now, the among shares, UT, and stashaway, I honestly think SA is the safest instrument in such a hot market.

But, that does not mean I am literally stashing all my cash here. I just think that the methodology proposed is safe - when all are greedy be careful.

one thing i realise recently is that market open hours are damned volatile, either up or down.

Hard to say. FWIW the dip may last a few days. So if not now then when.

You made me Google rekt. Yes, I am an uncle.

If you dca msft from before dotcom bubble I don't even doubt to check that by now you will already have been very well rewarded.
In fact perhaps only yahoo is one of the tech companies until today not returning a strong growth from the 2000s till now. But im not checking and I might well be mistaken.

As Jack Bogle says, over time stocks tend to rise. (The inverse implied is that some stocks will just tank and kaput).

But we digress. And again and again, this has been discussed and discussed every page. Just enter, if you have big amount (to you) then just spread it out over 3 amounts in 3 months. The longer you wait the higher the risk of opportunity lost.

One of the keys to investing is not just dca blindly. One must always know what one is buying. So, this also means to regularly check the pulse of the company you are investing in.

Even ETF and UTF, as you say does not guarantee a return if DCA blindly. BUT I recall my friend a PB Mutual agent (at the time, now no more) that guaranteed me if I DCA I was guaranteed to make a return. Alas, if I did, and I checked, that I did, today it would have given me slightly less than 8% per annum. But, I would have had to hold on for around 13 years IIRC, not to mention stagnate for more than 6 years. In that time, I exited, pivoted and changed don't know how many bloody portfolios until today.

In this manner, Stashaway is recommended because they try to take care for you. The reoptimization actions already occurred several times over this few years, removal of SPY, XLK (dumb dumb move lol) and added some KWEB (hooray), GLD and some others I cannot recall. They are only locked by the mandate of making return at the risk levels you choose and last I checked they give pretty good sharpe ratios. Not like some dungu UTF that will stick to a certain region, certain type of stock etc. The quote that Buffet famously says, active management will usually loose to passive indexing applies.

Therefore I reiterate, that among Stocks, UTF and ETF, Stashaway is actually very balanced in risk vs reward.

It is 1% per annum, charged monthly ie split 12 times.. What is your problem with this charges thingy? Are you expecting it to be free?

At one time it was, it may be in the future but I hope it isn't. Haha. Not sure it helps you or not at all.

For me, if other investments work out eventually it will outpace stashaway, and that must be a good news. Remember, Stashaway is not much more better than SP500.

its reward vs risk appetite.

buying and selling unit trust and equity based assets do not generate returns like interest. That term is used for loans / liability / deposits. So, yes, when you decided to sell, you calculate the amount you have put in (tally up vs time) and the selling price and calculate the returns / gains. That is when you realise the gains or losses.

In between, some of the assets you own will generate returns in cash and will be given back to you in your total holdings, reinvested (in the case of Stashaway non-simple).

At anytime in between, it can be negative (worth less than you paid for) or worth a lot more than what you sell it for eventually.

You will know the actual returns at any time of the day, if you decide to sell then it is more or less at that price (+ daily actual fluctuations, + exchange rate charges). It is almost 99% accurate.

I know that money put in last weekend is already invested fully. So the prices reflect last night.

In that manner you are actually lump sum. Dca is actually those who are sitting on a pile of cash, actually choosing to slowly invest over time. By the time you are dca'ing every month out of your regular income, that is actually lump sum.

its not a technicality. it is the truth, if you have 100k cash marked for investment, sitting on it and spreading it out over 100 months, it is by definition "averaging"

Sure, 1000 per month of your regular income also achieves the same effect regardless of whether you had 100k in your Savings or not, but in reality we are trying to talk about 100k, not the 1000.

The longer you drag it out in a bull market the less harder it will work for you.

not always, but in 5 to 6 years of a bull market, then yes lump sum will win. If it goes to a bear market then your lump sum will have lost less.