My full equities (well 99%) 36% port beat s&p 500 by 2-3% of S&P 500 for the last 1 year. It is almost entirely consist of US equities ETF with small percentage of exposure to europe from VGK. This is after fees performance.

Remember SA does not have any gold in 36% up until May last year. Of course it is only 1 year, but most of the component are from s&p 500 after all with exception of small cap obviously

This post has been edited by backspace66: Jun 18 2021, 06:36 PM

My mix port of old and new 36% still OK for the past 1 month.



Worst drop from 7 to 12th may.




This post has been edited by backspace66: Jun 21 2021, 07:49 PM

SA teams has a lot to explain if this underperformance of the new portfolio is going to extend beyond this year.

Remember SA teams react after the fact as what was seen back in May 2020 when the portfolio was reoptimized while keeping the portfolio as is probably provided better result.

Owh yeah i know that, it underperform the old portfolio for 36% SR.
They should have remain as is rather than to try to react to the market. Added gold to 36% risk after market already crash and so on.


Slightly different date and i started this particular portfolio in june 2020. The reason why i can use old portfolio is because i did not switched on auto optimization.

Btw, this is old portfolio allocation. If you are not using this platform before may 2020, you probably dont know what i am talking about.



This post has been edited by backspace66: Jun 25 2021, 01:11 PM

Akru is horrible for the time being, not in term of performance but in term of support.

If one want to optimize the fee, it is better to pool onto one trustable platform to reach the higher tier and reduce effective fees. If i ask myself which one going to be around in the next 5 years, i believe it is SA. Not sure for 10 years from now.

Your logic also based on SA purposely want to lose customer to akru, please do you even read what you type?

This post has been edited by backspace66: Jun 25 2021, 01:44 PM

Sure, but i dont think you get my point anyway. The old portfolio is not just s&p 500. There are a lot of s&p 500 component but weightage is different overall which gives it a different performance compared to plain s&p 500.

Other than that there is also europe and US small cap.

Check out the graph before someone says the old portfolio is just s&p 500. LOL

Btw, those are all the etf from US part of the portfolio.



This post has been edited by backspace66: Jun 25 2021, 01:39 PM

Sure, if you say so. Good things is some people can think by themselves here and SA actually provide option to stay with the old bus or change to the new bus. We call that turning off auto optimization which is fully allowed by SA.

I think you are not even user of this platform, so i am quite sure you are still scratching your head trying to understand. Only user of SA platform will understand and those who have been here since before may 2020.

I am not trying to confuse you even further, if you turn off auto optimizatiom, you can even have old and new portfolio. Sure, but someone who are not part of it will not understand what i am talking about. So please stick to what one knows best

It applies to people who came in after may 2020 or who blindly turn on the auto optimization, from observation this is the case from what i have read in the forum and to top it off someone here keep recommending to turn on auto optimization blindly.

I dont think i need to reply anymore, you clearly not a user of SA based on the question you asked.

Based on your logic SA was changing the allocation so user can move out and buy s&p 500 etf by themselves or go to akru their minor competitor. Wow, thats very logical.

The one who join after may 2020 does not have old portfolio. If SA decide to change the allocation again after they join then they will have this option if optmization is off. If it is on than it is a big NO.

Obviously the optimization prior to joining is not available, i am not sure why i have to explain that.

You can be user as well who does not know the meaning of reoptimization, sure.

This post has been edited by backspace66: Jun 25 2021, 02:40 PM

No need to talk so much if disagree with their current direction, then just withdraw. Well at least i am, bit by bit. Price i got yesterday is not bad though, hopefully all out before the force auto optimization.



This post has been edited by backspace66: Jul 8 2021, 07:11 PM

Another batch completed. Again price not bad in addition to weakening myr

I dont want to mention the obvious, but all people see is fees, remember diy put you in better control of entry price and exit price. On top of that, SA does not allow you to keep any portfolio that you want, you have to just follow whatever SA dictates for you starting from next week.

In DIY, You are fully responsible on your entry or exit, if it is SA you dont have much control on the buy or even sell. Or even trim down or not buy the portion of etf that you are not comfortable with.

As one of the guy here mention smaller amount make sense for SA but for me only if you agree with the etf allocation.

Totally out of the old port, left with the newer port that was auto optimized. Only chump change remaining around 10k.

Just for the record. June 2020 to july 2021, old US centric portfolio



I have to credit SA for the smooth withdrawal, i made 7 withdrawal in total and all credited at T+2 (working days of course). Amount is around 75k, not sure if it would be the same for 6 figure or more withdrawal though.

This post has been edited by backspace66: Jul 22 2021, 05:49 PM

This is offtopic but since people are talking about investing through epf, just remember nobody said you need to keep investing through epf i invest, you could start to invest during a crash and reinstate the money to epf after you achieved your target.

Well at least i did that, last year and now i have reinstated it back to epf. I gained around 50k from around 120k of total investment using DCA, although most gain coming from my entry in march to june 2020 which was way lower than 120k.

I will not hesitate to invest in selected fund when i see a crash.

MIDF invest a company under PNB and endorsed by SC. ZERO percent brokerage fee for transaction under 1000 usd (per trade) until end of this month. Easy to transfer money into but the spread for forex is quite hefty.

Already started to pick up some kweb and baba bit by bit

This post has been edited by backspace66: Aug 14 2021, 10:25 AM

Lol, if you just want kweb, just buy directly la, why bother going through SA.

This post has been edited by backspace66: Aug 20 2021, 07:11 PM

Time will tell if it is a good bet or not, back in 2009, people think i am crazy to start pick up some shares in our local bursa.

Back in 2018, i made a mistake, i did not buy because i thought it will dip more.

Back in march 2020, all my friend think i am crazy to invest with own money + unit trust using epf mis after the march crash

Too many people giving their two cents regarding the US market ATH, but i insist on investing up until a few month ago(unit trust) and up until forced reoptimization in SA AND s&p 500 rally passed the 4000 mark.

I did not go too much into the kweb heavy portfolio and did not give much thought about it until it drop more than 50%, time will tell if this bet pays off. Remember you have a better safety net now if you just started to enter into that etf. Until then

Just for the record i still have a bit less than 10k in SA, while the old US portfolio has been fully withdrawn prior to optimization.

This post has been edited by backspace66: Aug 20 2021, 09:28 PM

Why you guys so hostile towards the guy?

My sincere advice, just try to venture out and look at other ways to hold long term by directly buying the etf.

I know how to use the foreign brokerage but not comfortable with it not being regulated locally, i know this is not a problem for most, but it is for me.

This time around, we already have alternatives to directly invest in the US market locally using SC endorsed platform at a reasonable fee, of course it is not that cheap but still cheaper than using local investment bank platform

This post has been edited by backspace66: Aug 25 2021, 02:30 PM

I wonder what amount you need to put in to get such treatment? Seems SA getting desperate.