When I planned to hv China in my port, when I starts to buy holdings to complete my portfolio,... I buy without thinking if China is at bottom now.
Same with if I want to hv US, Gold, Asia Pac or any other assets/holdings,.... I don't wait for it to be at bottom.

but judging from the term used on all those with opposing views as
"just wanna make this thread like your domain and flexing your earnings."
"just people enforcing what they already believed in."
"Another u don't like u keluar SA comment"
etc etc

how to get a meaningful discussion in a constructive manner?

i think there is a VERY HIGH chances of you earn something from it....but that depends also on whether you will chicken out and exit the play when encountered prolonged RED in your portfolio....

Is it a wise choice for me to do so?
i think the answers will be known to you only when faced with that dilemma during the time you need to decide to continue or exit when your portfolio had been in RED for sometimes

This post has been edited by yklooi: Sep 5 2021, 07:21 PM

my personal experience,....
well, i know i am not smarter than them,
SA is NOT passive investing,...
they make decision which may not inline with our views of the markets
markets movement plays a big part in our decision makings for most of the time, we may be tempted to exit to protect more losses.....or dump in more when see the markets rally

just have enough of emergency fund stock piled somewhere safe, invest in SA with the money you will not touch for few years,....then should be safe
continue to DCA no matter what storms there may be....when the markets are BAD, some suggest turn off reading the market news or looking at the SA returns

a frequently repeated Sui Jau post....
Sui Jau's ....
"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount.
Something you are comfortable with even if you suffer losses.
It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust. (or Stashaway)
Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.
The key thing is you have to accumulate investing experience.
No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest.
You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times.
And learning from mistakes made is the greatest teacher."

on this, allow me to say some thing,...

DCA, DCA & DCA + Don't back out no matter what
for me,
that only applies if/when there is not impact to your emotional or normal daily life when the markets are down for a period of time...
you may have enough money to sustain through the BAD period,...but if/when the BAD period impacted you emotionally or impacted your income earning /work life or impacted your family life, etc etc,...then you should reconsider/reassess the DCA, DCA DCA things...

that also applies, if and when after a period of time (maybe 3~5 yrs, up to you to decide when) of DCA, DCA, DCA ....you are still happy with the returns or the returns are up to your expectation, ......else, you should reconsider/reassess the DCA, DCA DCA things...

DCA, DCA & DCA + Don't back out no matter what,...it is not a BLINDLY to follow things, NO RIGHT or WRONG to follow it,...but not me, i at times just close an eye, but peep with another half opened eye

This post has been edited by yklooi: Sep 6 2021, 12:45 PM

i think under normal situation, it should recover and go higher....
if the KWEB recovers fast,..it will go up faster,...iF S&P500 falls,..then it may takes longer...
usually in equities, markets,...in the long run it will be positives....
this 36% SRI, does not consists of only KWEB or S&P500,..it consisted of numerous diversified segments/regions...1 or 2 falls the rest may not fall at the same rate or may climbs up too

if the money is not big or if you don't have other place to invest in,...just leave it there
but if you think like many others,...that the US to be interest rate rise and the tightening of money printing, will impact the markets severely, then getting out should be better than leaving it there for now

This post has been edited by yklooi: Sep 7 2021, 10:08 PM

that is why, some forummers exited SA after the reoptimization....
some don't like the AUTO reoptimization
some don't like KWEB
some like to have heavier in US mkts

thus you are not alone in that thinking

KWEB allocation in my 36%


Attached thumbnail(s)

your is 17%, mine is now 16.98%

RM1000 x 0.8% annual mgmt fees = RM8 pa
= 1 month = abt 0.666 sen
= 3 months FREE = abt RM 2

when KWEB rises by 1.67%
if you are 100% in KWEB,..your asset will rises by 1.67%
if you are like SAMY which has 17% of KWEB,...impact is just 17% of 1.67%

to be fair,...nothing to do with being a user themselves or not
i believe there are "old" users that does not knows or understand about how SA rebalancing works, and some don't even bother with to need to know too....

until not a user cannot talk or discuss it?
or only a user can knows about the inner working of the reoptimisation?

ooops, misunderstood the comment and its intentions...

This post has been edited by yklooi: Oct 8 2021, 05:41 PM

misunderstood

you may try see post 28959, page 1448

FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing
https://forum.lowyat.net/topic/4193169/+28940

if you liked that,....can try seek that forummer's help...

👍👍For you.... At same 36%sri, My 6 month is less than 1% last checked 3 days ago.
But for some others, your 12% is nothing compared to their sp500 heavy portfolio... As can be seen from posting few months ago that cursed sa., ha ha

This post has been edited by yklooi: Oct 25 2021, 11:42 AM

Left hand side of the image

when compared to your only 12.5% per year.

This post has been edited by yklooi: Oct 25 2021, 12:06 PM


Attached image(s)

end march 2021 AFTER what i thought was a "BIG" fall then
if before that what i thought was a BIG fall in Feb, lagi worst.

This post has been edited by yklooi: Oct 25 2021, 12:14 PM

seems like your top up criteria is programed to be,....

program A
top up - Whenever i see many complaints here (at this LYN forum)
AND
top up - whenever USD/MYR down by 1% over a few days

program A has to fulfill 2 condition BEFORE you top up

program B
top up - Whenever i see many complaints here (at this LYN forum)
OR
top up - whenever USD/MYR down by 1% over a few days

Program B has to fulfill anyone of the 2 BEFORE you top up

which program are you practicing? A or B