thanks for sharing...
compared to previous one,...what are the major differences?

just checked/compared some etfs in the 22%SRI
many more i did not check



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it has t&c mentioned....
also there is a question from me too....


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as long as SA did not break the statement that my portfolio has a 99% chance of not losing more than the given SRI percentage in any given year....i am ok with it.
there no point demanding that they are accountable or want them to answers for the lower than expected returns compared to other platform.....
why no point......bcos did they agreed that you will get XX% pa for your investment?
there is ONLY 1 point that i liked....a forummer just don't liked the AUTO optimization of his/er,...he/she just sell off before the auto reoptimization exercise.

demanding this, demanding that just for "self release" in here is self satisfaction only....
if really want to ask....go join and ask during the webinar....

Do it on somerhing you hv control in the directions of where it is going n how it plan to go...
Not by serious or excessive grumblings or demanding this or that, on things you hv no control in except EXIT.
Doing that would means you does not truly know what platform you had invested in
Abit of grumblings here n there are ok for "releases"

This post has been edited by yklooi: Jul 23 2021, 10:02 AM

If you think that could happens in the very near future, then it is good to hold Yr cash now n wait for it to come then dump in Yr cash,.
It is your money, thus yr action must be inline with what you think...
Just hope that you are exiting Yr equities investment before that happens too... So as to protect against losses

This post has been edited by yklooi: Jul 31 2021, 06:23 PM

I just looked at the MYR. As that should be what I think I will get if I redeem it.
Just hope I am right.

depends on the value of this lump sum.....
i mean in % terms in relation to your net worth....

if your net worth is RM500k and if you were to lumpsum 5k into SA...
it is just 1% of your net worth, so i don't see any issue from my POV....

Try confirm it with stashaway again?
Maybe n hopefully those front end staffs was not informed by the back end staffs?
A screenshot of post 15397 & 15380 for them would make communication easier...

This post has been edited by yklooi: Aug 6 2021, 09:54 AM

If I am sure my bitcoin investment can goes up to 100k by end of next year, I would definitely sell off all my other investment including those in SA now n sailang all into crytho now.

on the same logic of thought....at what level of red when the portfolio turned red, then will gonna give sleepless nights?
(just -0.5% or - 1% or -05% or - 10% or - 20%,.etc etc)


This post has been edited by yklooi: Aug 8 2021, 03:59 PM

mind elaborate the difference?
one with risk free rate of 5% while others don't have risk free rate?

but those extra cash can also have risk free rate bcos we can also use that for SSPN, ASNB FP or lumpsum into EPF (if near age 50) instead of going for EQ investing that could give sleepless nights

thus it is to me, it does not matter whether EPF or extra cash,.....the amount of money be it "Large" or "Small" are all very subjective to define...
but i think as long as it suits each individual risk appetite and risk capacity,..then ok

same like those that have some % in FD/MMF or FI funds in their portfolio for that same purposes in mind when setting up the portfolio

Money in epf a/c 1 that can be withdraw for investment is just how many % of the total inside epf?
Thus it is not possible to lose all the retirement money.
With equity investment, it can also hv the possibility to increase the retirement money too.

Haha, the opposite of Yr scenario can still hv a possibity to be true also.
Ex, if you withdraw 10k to invest, and this 10k can earns abt just 2% pa annualised more than EPF... In the long terms it can increase your epf amount too.
(is the odd higher for just 2% annualised returns more that epf rate?)

If really scare of losses, just don't do any investment... Be it with epf money or extra cash....
For this extra cash can also hv risk free rate like epf.
Thus to ask abt "how big amount" will cause sleepless nights,.. Is subjective.
As some like me and you also view it differently already

This post has been edited by yklooi: Aug 9 2021, 09:55 AM

I think, if you already hv SA, and now if you want to go buy own,
May I know what is your purpose of wanting to buy etfs separately again

Epf is 70% in a/c 1 n 30% in a/c 2
Can take out 30% in access of basic saving in a/c 1.
Then the amount can take out for investment is not much for some people

If the amount is not much, can go buy for some learning, experience adventures.
But if want to go more in depth, maybe hv to determine your purpose, example is it to supplement Yr portfolio since SA does not go heavy into other region/sectors?
Like example, SA does not like snp500, but you liked it, so you go against SA n go buy snp500...

From Yr abt 20 yrs experience in gold investing, what is Yr forecast of its directions for the next 1 month?

This post has been edited by yklooi: Aug 9 2021, 10:18 AM