Why sell? Only sell when fundamentals have changed. If you sell you need another replacement. Why do you need a replacement if current company is good unless you are too free. Like I said as long as I don't sell money will definitely come in.

This post has been edited by Ramjade: Sep 2 2019, 01:43 PM

Can say yes. But high can go higher.

Not true. We want it to be at low price which means it must be - negative. If got g up means is expensive. Now for a simple eg. Google the price of gold. Look at it during past weeks and now. Which one do you Wan to buy at? Last few weeks or these few days?

For me will be last few days as price is already cheaper than last few weeks. You cannot buy at the lowest but you can buy when is low enough.

Yes. But MY slower case money needs to travel to SG first.

SA is basically auto pilot. No need for research/homework, no need for monitoring suitable.
Nice returns in your case asentiomed is subjective.
A 10% return on say RM1000 = RM100
A 10% return on say RM10k = RM1k
A 10% return on say RM100k = RM10k
A 10% return on say RM 1m = RM100k

So as you can see from the example above a 10% return is the same. What matters is amount of digits you are putting in/what's the limit on your bank account.
Amount = how much are you going to put.
If you want put in RM10k = RM1m, go find crypto.

No tax by Singapore government.

SG faster processing time. Supports SRS. SAMY does not have support of PRS yet.
In SG got other robos like Endowus which is worth a look.

If he's on the way to be SG citizen, means he is working in SG.

What I meant is most likely he already worked in SG, have SG bank account and thus no need for SAMY. He can go straight into SASG.
Singapore does not have capital gain or dividend tax.
But 30% US tax on dividend still applies.

How are you going to use bigpay to pay when they dont even accept transaction via cards?
Methods of payment IBG and Jompay.

Kindly know the reason is making loss. ETF investing tracks the market. So if market down, expect your returns to also be down. To avoid being down either pick a lower risk (you enjoy less upside) or hold on to cash.

Thank you.

Just pick either Stashaway MY or SG. No need for both.

Is basically the same thing. If is me, I will pick SASG.
1. Faster transaction

Money put into SAMY can be used to divert to SASG.

This post has been edited by Ramjade: Sep 17 2019, 09:23 PM

Make your life simple. SAMY is for those without SG bank account, want nothing to do with SG.

Based on risk index and your goal.
But basically that's how most investment products work. They will categorise you into few category based in age and your duration.

People all cannot tahan losses. Hence all feeling sad. For those who can tahan losses, it's shopping time.

I don't do Stashaway or ETFs.
I stick with my principles. Buy when is cheap. So far I am happy with the results. Drop further = buy more.

Whether one is using Stashaway or just DIY ETF, is the same. Don't blindly buy in when price is super expensive. Well that's just me.

This post has been edited by Ramjade: Oct 5 2019, 08:15 AM

Not necessary as etf over 10-20 years will go up.

Depends on what you want. If you are ok with buying regardless of price, then DCA. If you want to get more value for money, then reduce or stop DCA, save it up, when market is down pump more in

Both way works.

Actually is not gambler traits. I my self practice that. When things are expensive, I don't buy anything. When things are cheaper, I buy. Is basic grocery shopping 101. I don't believed in overpaying for stuff.

**NOT A FAN OF DCA**

Yes. DIY ETF investing.
https://forum.lowyat.net/topic/3396549

A few topics started by Yggdrasil

You have to keep in mind most overseas investment are not shahriah compliant. If there's an issue, might be hard for you. If no issue, then no issue.

This post has been edited by Ramjade: Oct 30 2019, 01:05 AM

1. Nope won't be gone. Is kept under a trust account. In the event Stashaway is no longer in operation, your money is held in your under with Saxo.
2. Nope. That's just marketting. Why? Because the underlying stuff are stocks and bonds. In a severe bear market (eg 2008) everything drop. So say 20 years later you wish to withdraw the money and say you have bad luck a similar event happened like in 2008 your portfolio/nett worth could be down by 50%.

Of course by 20 years, you should have at least 100-200% returns. So even if down by 50%, nett down is 50-150%
3. Define your definition of financial freedom. Can be yes and no. Depends on so many factors. How much you put in, how much is your return, How much is your final amount inside. How much you spend. To get the money out you need to sell your investment. There's no other way.

Yup I agreed for normal people DCA is the way to go. For me I need to make sure my money works harder. So no choice. Need to do some timing a little.