I agree.
That time I still playing with "timing" the market and quite successful

But as time goes by, it's not consistent anymore.. so stopped liao..

Just "time" with fsm.. haha

Some might say gold have negative correlation with economy but imo it's not totally true as price elasticity plays important role determining the gold price movements.

Which imo, stashaway notice that. Hence 36% included gold. Fears of uncertainty brings ppl flocking to precious metal

That being said, as stashaway model is DCA. Even when the gold become price inelastic, with DCA the price will eventually smooth out.

started 2019 july

3 years and mwr 40
during the ''crash'', did you vca?

mine 1 year 34%

epf ftw

DIY your own etf portfolio?
from my past research, recommended min top up each time eur 4k

VCA, i remember there's a member with ''elite'' tag mentioned.. (you know who you are, lol.. sorry i din remember your nick properly)
value cost averaging (not sure if its correct term or not)
or is it value averaging
meaning only top up when there's xx% drop

not only epf, basically any type of investment dominated in MYR

i am sorry, perhaps in my earlier explanation arent correct and clear.
is it really dump, as you see it?

when you invest, be it passively or actively, one must not be ignorant/arrogant without doing any research and/or keep track on what they invest in
when you decided to invest, for sure you believe/hope/trust/ that your investment tools/asset/holdings will goes up

and so, when the investment value/holdings/portfolio drops, investor must at least know what makes it drop. is it due to internal or external problem


What is Value Averaging?
Value averaging is an investing strategy that works like dollar cost averaging (DCA) in terms of steady monthly contributions, but differs in its approach to the amount of each monthly contribution. In value averaging, the investor sets a target growth rate or amount on his or her asset base or portfolio each month, and then adjusts the next month's contribution according to the relative gain or shortfall made on the original asset base.

https://www.investopedia.com/terms/v/value_averaging.asp

You got very valid points there!
just need to DCA and let the pro do all the works.

this is pretty true.
its not wrong to know/understand what's happening in the market, to decide whether top up or not.

sorta like warren buffet and benjamin graham value investing.

straight 36%, no question ask

you need to manually input how you want the money to be split
between your portfolio

somehow got the gut feeling
NASDAQ will pass 12.3k and then unable to sustain and dropped back to around 11.2k/11.5k point.

just a gut feeling, without any data/news/information backing it

and my cash also getting bigger, mainly from bursa

based on nasdaq chart
the bear still there, probably until next week
given the sentiment and things happening next week

This post has been edited by xcxa23: Sep 12 2020, 08:19 AM

SA holdings are with trustee
and if SA failed, based on the previous robo ai from SG (forgotten the name)
SA can/might find other companies to absorb SA customer
if SA failed to do so
SA customer holdings will be forced to liquidise(loss or profit) and money given back to SA customer

If you are trader
It's not wrong to wait for "confirmation" uptrend signal before setting up a trade

But if you are investor, buy in everytime there's dip, especially if it's due to external factors, like current event when it's all down.

If and when out of all your portfolio, only one is down while others is up, then re evaluate what's going on with it.

I was planning for that but now not anymore

Biggest to lowest

Stock
UT and FD
EPF
Robo

my UT mainly for china and asia market exposure
plus i dont have the time nor the knowledge to direct buy in
hence i am willing to pay those fee

FD is my safety net
that being said, during dip took approximately 50% of it, focus on UT, bursa and US stock

Probably mid of march.
Election season, Feb usually sell off session. Plus with the yield reaching 1.5%

Few more weeks before any real show

SA robo macam tau if and when the dip will continue and the robo hold off from purchase.

I wonder if the robo included some TA as well