That gain is no more

Hi guys.

Was thinking of create a small high risk high reward flexible portfolio for my overall portfolio. What do you guys recommend. Was considering to add a few high risk high reward type ETFs like Nasdaq qqq etc. any ideas what ETFs would be good and what sort of allocation for each?

high risk doesn't equate to high reward though. if members here can answer they'd be on the team of SAMY

Better off DIY as you paying yearly fee instead 🤦‍♀️

Since high risk high reward and buy QQQ DIY is way cheaper

SAMY not getting it right anyway.

Yes selling losses everytime when doing reopt 🤦‍♀️

So far they are only getting it right 6% of your portfolio while another 10% maintaining value

About 85% SA decision has been wrong so throwing money at high risks to SA never a good decision so DIY is the best as you can have stop loss level

1. iShares Core MSCI China ETF
Ticker: 9801:HK

2. iShares Hang Seng Tech ETF
Ticker: 9067:HK

China is opening up, I would say both ETFs above are worth the risks.

Very volatile counters.
Quite similar to KWEB

This post has been edited by bcombat: Dec 28 2022, 09:43 PM

That is true. I suppose what I was referring to are high quality but volatile equity ETFs as opposed to questionable ones or trendy ones that can very likely go to zero and stay there. Know what I mean?

Well that may be so. However I’d only be putting in small amounts here monthly. Like less than 100. For the time being at least. When I get better pay I’d increase it accordingly. Also I’m not quite able to invest via any exchange I want due to my job. The one I can’t invest through is kinda pricey for foreign investments. 0.8% pa seems to be the lesser of the evils at this point. Plus for me I do get value through sa mainly thorough their rebalancing, sorting out the paper work such as making claims for some portion of the withheld tax amounts taken from the dividends issued, getting access to fractional shares via an sc regulated platform. Just to name a few.

Wow that is risky indeed. I think the random policy changes make them unjustifiably risky tho. It’s something that we have almost no certainty would return to a favourable state from an investor’s perspective, let alone a foreign investor. Whereas if it were merely market volatility due to economic factors I’d find that to be better risk to reward, given the expected possible returns that is.

Do you feel these would do better than something like the nasdaq 100 or a us small cap etf over a period of 10 years or so tho? What’s your take on this?

Didn't manage to listen in on tonight's live chat where they discuss the most recent reoptimisation. Any tl;dw or key highlights?

QQQ will definitely do better than IJR small caps

But VYM high dividends has outperformed IJR anytime that is before dividends is factored in

Better off putting your money in IVV and DIA tracking the broader market while allocating some to EM for aggressive play at the moment

Actually, I agree with zstan. You did not understand what they meant.

We are not able to predict whats going to happen sadly. If some of us can do it, we shouldnt be using stashaway buy etf ady, I can just go buy it myself with leverage even.

Ignoring stashaway's kweb fiasco, it's better to stick to stashaway or blackrock built portfolios.

High quality ETF should just mean they hold what they say they gonna hold with the least error possible, it doesnt mean that particular sector and country will outperform.

This post has been edited by honsiong: Dec 29 2022, 09:04 AM

in the case of SAMY, i would say the most volatile now would be the thematic portfolios. for the main portfolio barring KWEB previously, if those ETFs which make up the top 500-1000 companies in the world go to zero, then we are essentially fucked anyway.

Stashaway introducing customisable and thematic portfolio is them giving in to market's demand, even when they are bad chocies for normal customers.

It's like clients hire a designer, pay the designer, but don't take designers' advice and design stuff themselves.

Real savvy ones wouldn't bother paying 0.8% p.a. to stashaway to use flexible portfolio, we just go to brokers and buy the funds straight.

I am not against them selling blackrock's portfolios though. Endowus is selling dimensional's advised portfolios too.

Unless a miracle happens tomorrow. S&P 500 had declined 20% compared to 2021. Nasdaq is down 34%. DJI 9%.

u'd be a genius investor if you made it out this year with positive gains on your own. well those who invested in FD entirely are also the smartest ones

Or if they just buy Maybank..for abt 12% total returns (incl.divy) this year.

This post has been edited by Cubalagi: Dec 29 2022, 11:27 PM

No need to be genius investor if they know how to pick the right stocks 🤦‍♀️

IBM is a good example 5.5% YTD

There are ppl who still in positive this year as they might even missed out on 2020 gains

we are talking about ETFs and markets in general. can't compare with individual stocks

that one still ok, since it's true that IBM is in green YTD. the only issue is the inaccuracies he sproutssince it's before dividends, i'll use google (and not stockcharts.com)

You mentioned FD. So you were comparing ETF with other things.