Ehh fxxx.. this time promo code DOUGLASLIM really just the one-time fresh fund count only ah?
Should have stop my scheduled jompay and pump in higher amount, lol..

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?

nice. i'm still 8% short of previous high

well during my ATH, KWEB was also at all time high 

Pretty much quite stable now. Hopefully china don't do anything more crazy 😅

i went from -13 to -7%, thats pretty nice I was gonna post last night "no one talk when it go up" but tehoice beat me to it XD

o.k then i just set the DCA..
hand itchy become so many portfolio

hand itchy nvm......i afraid when market dip, u pull the hand brake and 
when market rally , u kasi pump pump pump 

I tried before, early this year. Enter same time as Stashaway.

Got into Moderate port, with new member 0% subcription fee.
Exit after 4 month, net profit 2.05%.
I quit because personally I dont like unit trust.

quite. especially with the dip past few weeks. same guy whining every other day. then when markets recover will post whether to top up?

I had syfe reits

And endowus is available for malaysian aww im late

even classic 6% risk index dropped 0.4% yesterday. bloody friday overall except for Technology Enablers

Get ready for ppl posting they withdrawing and realising losses

I will say in bearish market SA also not doing to well. I remember how deep it was during Covid and near the end of trade wars.

I must admit, I have completely cashed out, because I need the money to buy a house / downpayment.

Ofc can't cover everyone. Is never meant to be, over 30 years, the epf rate always has been close to 5, some touching 6. I won't say is not possible. U can play the calculator and lower the rate, even at 4%,anyone will have been close to 1m mark.

If u look at the last deposit, it is depositing around 20k,aka 80k yearly income. That's 6.7k a month salary. This haven't account into bonuses, that will be contributed to epf as well and inflation overall (salary can increase due to inflation)

If a person can't work his way up to 6.7k salary when he is 60 with a degree, I think is not epf has failed, that person fail his life who can't even earn 3% yearly increment.

I have only 4 years of experience, already I'm close to 6.7k, a person who can't do it in his 60s? With all those experience? No excuse for his own complacency then. 

Besides, when I had 2.5k as fresh I'm able to save 12k per year after epf deduction. Is an personal excuse/incommitment not to work his way there. So in case one has ceiling salary, she should have contributed more to savings, other than epf to secure his golden age.

Or the way I see, spent it all during 50s when partial withdrawal is allowed. Which is often the case.

Epf is the best example of what dca works, don't time the market, do it consistently, the long duration is with you. Even if u miss the mark hitting 1m (if that person is such a failure can't hit 6.7k salary with degree at 60,god! he is awful), he will still have at least 600 to 800k of epf money, which is crazy amount.

EPF releases a statement somewhere only, 1 % of ppl have savings over 700k, this 1% is really not that hard to achieve.
https://www.thecalculatorsite.com/compound?...rly&ip=&c=1&di=

Assume a person at age 35, age 25 to 34 he has 0 epf contributions what so ever, he used 10 years to reach 5k salary as u mentioned,thrn stagnant till he is age 60. (I have never seen ppl salary stagnant for 25y, he must have fuck up big big time).
Yet being a dumb ass as he is, at age 60, he has 610k if epf is 4% PA, which is crazy low compare to the usual epf performance.
610k for being ignorant of his finance at age 60? Not too shabby. He also reach the top 5% contributor in epf already.

Ya. He keep spamming in different finance thread, with not accurate info.

I posted regarding fmsone usd fx rate is not bad. He replied fx rate in fsmone have 2% lost.
I checked and compare, there is only 0.5%, ask him where he got his 2%. He did not reply anymore.

Finally my SRI36% positive 1.48% TWR after 9 mth.
SRI18% positive 5.93% TWR.
Hope no big dip anymore.

For me, no impact at all, on its movement (since March 2021), bcos maybe due to SA only constitute abt 10% of my investment money.