U can just ignore the projection
Btw, the one year in your calculation is 12 months? Or just sept to dec?

Also u might even get negative return as this is stock market after all.

Roarus already answered the question for u.

Just wanna add that if you wanna track the fluctuation, you can use webull to track it by adding the simulated holdings.

This post has been edited by neverfap: Sep 21 2019, 09:50 PM

You are correct

Not sure about the 1 month limit though

Thanks for the link

N my apologies if I offended u in anyway.

Depend on your overall portfolio and risk appetite tbh

Do u have other safer investment vehicle/savings like asnb, fd, cash/property etc
Is ur cash flow okay? Do u still have spare cash after deducting all ur commitment and expenses?

If yes then probably can take a higher risk. If no then stay at 22% also not bad.

This post has been edited by neverfap: Sep 25 2019, 10:01 AM

SA seems to be back to its inconsistent state?

- Deposited on 24th evening
- Acknowledged on 25th morning
- Currency conversion is only done on 26th (today) without any buy order which will most probably be done later tonight.

Or does multiple port make it confuse?

Tbh, the test can be done just by reading the notes provided in the test.

But if u wanna gain more knowledge other than for the test then it's fine

Yup. Still within the time frame that they stated.
Just curious about the inconsistency that's all.

Yup. Probably.
Last week still okay.

Great! Btw honsiong, how many port do u have currently?

After adding another port (6.5%) aside from my previous port
The deposit time seems to be taken longer (acknowledgement of deposit still the same) just that the currency conversion and buy order seems to be delayed for 1 day.

Will try it a few more time (last 2 weeks manual deposit both delayed). Next week will try again.

IBG and jompay both same case

Even though the portfolio already diversify for us, it is still under one company. So it's advisable to have other more stable investment like fixed deposit just in case.

Also any reason why 20 and 36?
Quite a few etfs in these 2 port are the same.

Both are alright
Just need to be consistent/disciplined

Probably 36
But my advice is not to follow others
He entered after the correction happened on Dec last year and its been a bull market since then till...recently.

With the trade war and some bad earning report recently, the stock has been performing poorly.

Ytd and today (haven't close yet for today's market) already dropped around 1k if I were to invest 50k in 36%.

So ya, don't just blindly follow. Assess your own risk appetite


This post has been edited by neverfap: Oct 3 2019, 12:50 AM

No particular reason I guess

Maybe time in the market is important too?
Btw, your lump sum is 10k, 100k or 1m terriroty?

If its what viktor guessed that the 10k is ur entire saving
U might wanna reevaluate your investment style.

U need to have emergency fund first (6 month expenses to 12 month income depend on how safe u wanna be)
Then only start investing.

It's for long term
So I think the fluctuation won't matter much
Just Dca.

Just routine deposit.

U are very lucky

But its best to DCA, we can't win the market. Its not about the re-optimization tbh. Maybe just luck ran out.