Mine MWR is 8% higher than TWR since last year hence mine timing is right for the past 14 months

DCA too frequently has the effect of loss of conversion spot rates are high due to flunctuations of exchange only to be masking the true gains because everyone is looking at the number since day 1 deposit not on monthly, quarterly, half yearly, YTD and yearly hence the difference

Mine YTD gain an extra 1.1% last week because of spot FX rate conversion and the right buy order when the USD was the lowest since mid 2017 against the ringgit so you already proven wrong with XIRR formula

This post has been edited by xander83: Jan 11 2021, 06:43 AM

Depends on your amount, risk appetite, ROI, monetary needs and time horizon gain

For myself anything on FX conversion rate of RM4 to 1 is a bargain at the moment for Q1 as the barrier for to go lower for RM it is difficult to go lower than that in the next 6 months as currently on range bound between RM4.01 to RM4.05 which to people DCA small amounts will not notice much difference because of the rounding with FX spot rate

This only will works for those are investing 30 to 36% because of the higher exposure to equities and not for those on lower risks appetite

If anyone last week Monday and Tuesday invested lump sum will have already gain an extra 1.1% gain for YTD due higher buy order units due to lower conversion rate

This post has been edited by xander83: Jan 11 2021, 07:03 AM

MWR 6 to 9% higher because I time the market to deposit when FX conversion is strong for RM just what happen last week

Of course I did on the FX conversion spot rate on to USD with prices to buy ETF in USD with comparison on levels which is when to buy ETF price which mine strategy is different due to weekly monitoring

I will cash out my gains just my returns when the USD is stronger against the RM wand ETF prices is on range trading otherwise just adjust the risk 30 to 36 or vice versa

March was not the time to invest but May was because FX conversion and it’s ETF was rock bottom then which I bought into it then when my money was on Simple since Jan to May

If put lump sum at 36% just be patient because the gains will show within 3 to 6 months

March 23 USDMYR was at 4.44 and it takes at least until 30 May to drop to 4.33

Those double digits are nothing compared to invest on FX spot rates at that time

The forex changes are for those who is willing to lump sum into deposit and buying into momentum and you should provide the chart from May to December which is on double uptrend to what is shown here

Already drop at 4.06 will be on the downside to 4.11 this week on a bearish scenario

Ringgit is down is because oil futures have peaked and USD dollar on upside momentum due to oversold

MCO and state of emergency’s has been factor since last week on the spot exchange itself when the upside was to 4 to 1

Be patient for now as in 3Q another time that RM will test 4 to 1 mark again

Looking out to exit my gains soon might’ve be even earlier once it breach RM4.11

Auto optimisation or adjust risk?

Robo is selling XLY and buying into IJR or XLP because of reporting season

Someone waiting to upgrade iPhone 12i soon

Wait until April and June

Monday FX rate if opens higher then conversion rate less

Sunday still depends on the week before FX rate

But the difference only will be seen for those investing more than RM4000 hence those with smaller will gain or loss due to FX mini rounding

For Example 4 Jan FX rate after minus 0.1% conversion 0.2496
5 Jan 0.25
14 Jan 0.2475

For those small micro saver as it is good for the sharks who are paying less in management fees

Still learning on micro level on FX, Equity and Swap rates will hopefully take my CMSL license in the future

I suspect they use the extra cash if overweight to invest in a BTC fund but when the market swings too quickly it is crazy because within a week those who trade upwards will get the position wipe out within a week

BTC Fund most will be swapped with VNQI but I still think they are unable to find BTC fund that is stable enough

Based on time and money weighted formula

TWR is for those who based on time horizon while MWR measures performance of your portfolio based how your deposits impact the market

TWR

MWR

The house and senate is already split as Biden is centrist while Harris is progressive left

It will be difficult in the House swinging towards centrist right and Senate towards right even though split

Tax policy won’t be in place until 2023 due 2022 mid term elections as many Senates which are Dems controlled are at stake now as we can see from House races which actually swing into Republican favour

The most likely policy fail will be national minimum wage as each states will definitely go against as State trump Country’s anytime

If anyone notice last week Friday correction is happening and this week be blood bath soon

Waiting now to pounce again due RM trading range between 0.2468 to 0.248

Inauguration Day markets will be very muted the action only starts when the house and senate reconvene

Will bumpy thanks to Yellen

How do you DCA daily?

GLD basically at 20% high risk allocation just a hedge to Equities in order to support any rebound in sight when the correction happens based on ERAA strategy

GLD rises means that value of the money decreases and inflation is happening soon but for near term unlikely for now due to damp growth situation because unlikely to rise within 2% in US until 2022 which curtailed by unlikely higher taxes due to US Midterm which likely to see some Biden’s policies being smothered

Don’t worry too much about 36% for those invested early this year during the 1st week as already more than 2% this month only beating FD this year without doing anything and take profit at the right time when the ringgit is weaker

Still got 11 more months to go if anything shows 36% risks will be likely at 16% gain for this year and on bullish market will hit 24% or more

What risk index?

If 36% consistent maybe hit 100% easily

Yes and correction is going happen soon albeit a minor this time

Will be bumpy for those who can’t stand the ride hence if you worried just take profit on your profit and leave your base investments untouched and then wait till minor dips which likely to be early March to re enter the market

If DCA small amounts of less than USD100 then the beauty will work well

For those who DCA USD1000 will suffer due to FX conversion together with unit price purchase easily RM30 to RM50 subject FX rates

Both strategy have its good and bad but overall DCA it is good for mass market for minor savings