SA does not have such option
SA approximately 2 working days to complete buy (havent try selling yet)

so you most likely slow by at least 1 working day, unless you predicted market 2 days in advance

if you wanted to have more ''some control'', try FSM.
buy and sell before a specific time will be priced on that day, ''kinda timing/predict the market''

This post has been edited by xcxa23: Sep 6 2019, 05:33 PM

I remember b4 reoptimise, my port got gold holding and it was on the uptrend but SA reoptimise it, selling all of the holding including gold (according to statement, sold up at profit 16%)

So SA robo predicted the future!! Lol

That time so much talk of recession, inverter yield curve, Brexit, trade war..

Anyhow, after the reoptimise, my portfolio started to gain about 1.5% ROI

This post has been edited by xcxa23: Sep 10 2019, 01:31 PM

hmm..
considering for my portfolio after reoptimise, the gold are on the downtrend.
so i will assume it predicted.. lol
or is it.....

my method only jompay
for approximately 3 months,
2 working days completed the whole transaction

sun nite jompay, 2molo morning/afternoon notification deposited received
and the next day, morning/evening completed.

Yes.
you can add as quick payment
Easy and fast, especially when using app

just for some reference

ytd nite deposited via jompay
today, conversion and buy order

pretty impress.. previously 1 day conversion 1 day buy order

good job

My strategy is crash fund
1st crash lump sum 50%
2nd crash if happen 25%

Another 25% kept for future correction
While higher DCA amount, 20%~30%

50% with saving, 2.65% Easier and faster to access
50% with fd, ranging from 4.5% to 4.05%

With the current master of Twitter, I highly doubt real bullmarket will last or even exist.. lol

High risk high return I guess.. if crush happen, it will be a golden opportunity to buy at historically low and with lumpsum, your average price drastically get lowered.

But I do use around 10%~20 of it each time the Twitter king tweet.😅.. and when he went into slumber, slowly replenish the crash fund in my saving

To cushion the opportunity cost, I choose highest rate saving acc in the market, that without any ridiculous requirements.

I'm using ̶r̶h̶b̶ ̶s̶m̶a̶r̶t̶ ̶a̶c̶c̶o̶u̶n̶t̶ edit : its rhb bonus saver
Monthly increment of rm500, entitled for 2.65% this is fixed after completed
And if you want 2.75%, monthly increment of rm500 if not just 2.65



This post has been edited by xcxa23: Sep 18 2019, 03:33 PM

oppss.. im terrible sorry about that

the account i meant to say is rhb bonus saver
https://ringgitplus.com/en/savings-account/...#ReadMoreReview

https://www.rhbgroup.com/personal/personal-saving/index.html
its on the 3rd page..

gotta agree with that.. damn confusing
what i did is, transfer rm550 every month on the 1st for 13 month straight without touching the money. just in case
and it will sms every month if you entitled for the step up.

since its written incremental of rm500 every month. on the safe side, i just left it untouched.

and its calculated daily, credited monthly.

so now, my income transfer to rhb, ready to be deposit to stashaway anytime.
even stashaway also mentioned deposit monthly so why dont take advantage of some extra interest.
although im doing it weekly

This post has been edited by xcxa23: Sep 18 2019, 03:51 PM

because it was meant to be min 3 to 5 years

and it also meant to deposit monthly

Last few week suggested stashaway to have cash acc akin to fsm for even faster processing
But they said no..

And now their processing is much faster, literally one working day

YTD nite jompay around 11am today acknowledged

Also
There's dividend to be received section under asset


This post has been edited by xcxa23: Sep 23 2019, 12:47 PM

Weekly deposit on Sunday..

my saving acc 2.65%, and the one in fsm are around 3.2%

if the SA simple, around 2.95, i dont mind putting around 1.5k~2k monthly in it

i dont park in fd i am depositing once a week.. because the market are much volatile now

all in or lump sum is ok as long as you understand what you are doing/investing in
and
imo, dca regularly

Hmm.. I would assume assume cease fire for another 2 months
Just in time for Christmas and New year.

But it's kinda weird for tweeter king to silent for so long

Lately I have been trying to find Malaysia based financial YouTube channel
Came across this
https://youtu.be/70Q0eWQ7wvM

Basically 3 type of saving
Emergency, investment and entertainment

Before invest in any platform, be it stashaway or fsm, put a chuck of money for emergency usage.

Btw, any Malaysia based financial youtuber?

Boost 0% management fee for RM1