Also I don't get why he keep say stashaway SG better. Malaysia Stashaway also invests in USD. As per my screenshot here to prove it.

.........

Then transfer from cimb sg to cimb malaysia to save on forex. Or use wise from sg bank to a malaysian local bank. Fees not much also.

Trying now. Seems SA ask more questions than Wahed haha

Painful reopt possibility soon?

Link: https://www.cnbc.com/2021/12/15/us-china-mo...-tcw-group.html

20% in EM / 20% of port in ~53 stocks

Depending on where you are looking from...

From a stock picker standpoint where "diversified" is 20 - 30 stocks? Very diversified.

From a SP500 investor standpoint, eh, about right for a China tilt.

From a VT/VWRA and chill investor standpoint (~9000+ stocks), that's insanely China/EM tilted that it's too risky by all measures.

In the end, its up to the individual investor's investment philosophy and risk appetite...

Go calculate back and you can tell it is 36% sri for sure because the gains were pared down by KWEB otherwise it will be double the gains 

.....
sometimes i just ignore his posts as more comments will complicate the thread conversation.

.... invested 100k over 2 years but return only 3%.

... he did it lump sum

don't forget their rates of return omits the 0.8% management fees. it's a graph designed to "convince" newcomers to jump into SA, not as a means to really measure the performance

Imagine swing trading your new house down payment / wedding fund through a roboadvisor 👀

Many still here haven't realized despite all chill pill sent by SA, is still underperformed sp500.

Any sort of debate or strategy are waste of time, UT, etf crypto etc.

Sp500 is always being ridiculed so called '' the virgins fund '', is boring and don't require much knowledge, pay checks in, 30% straight to there.

Can't perform equivalent of sp500 = waste of time

While SA still in the reds, my akrunow now with heavy sp500 still in the greens.

There is no need any debate, sp500 is like your math passing score, if u can't pass with minimum score, explanations are just fancy excuse.

Cathy woods portfolio fell just right back down to sp500 levels earning, and many other investors follow suit.
If u have just stay invested in sp500, steady all the way.

Even with all the tech stocks down, sp500 just back to 2021 Oct level. Is more like noise than correction.

Good for everyone that believe passing math is actually better than fail

Err that's why u dca???

The graph, is outlining if u buy at worst time (highest in decades).

Say like in your graph it took about 20 years to go back same highest high, in that 20 years u buy all the way down, u also buy all the way up back to previous high.

Instead of wait just invest? U don't just invest at the highest point right?

How do u know when is highest? When is the lowest, if u can predict like a clairvoyant why bother sp500. Straight got for highest gain stocks u can predict.

But that's the thing we can't predict. Thus dca all the way, long term it should go up.

The logic u try to convey is like u will only able to buy at highest high and then when u see ir drop u just stun there until it recover to highest high.

Like 2021 is the highest high, say u have 10k invested. Next 5 years drop 40%, and u don't do anything. Ofc the 10k is wasted time there.

U dca 1k per month for the next 5 years, when it comes bCk up, the money u invested over the 5 year dca is the one giving u returns not the initial 10k.

That's why dca...

That's why I never understand why SA freedy always switching etf in repot, like every 6 months. That's not passive investment, that's trying to be like the next Cathy wood

And back to the question, how does SA know when is the best time.
Esp ppl enter at different time, where the reopt happens to all user at the same time. Some will end up buy low sell high, or vice versa.

U end up the best way for SA to work is also dca through SA, hope Freddy don't sink your ship.

Now if there is a benchmark like sp500 and Freddy, which do u think is doing better over the long run, that's the question.

I have no problem with dca, nor market fluctuations, it happens if u were to invest.

But at the very very very least, don't lose to a benchmark....

If u lose money with big hoo haa of graph and technical analysis, and big jargon words compare to a snob like me.
Then you are just losing money professionally...

Sp500 the entry level when anyone talks economy, investing.
It shows the performance of to 500 companies in US.

Often when looking at sp500  shows how well the economy is going in US.

Is serves and an indicator. Is like a snapshot of what's the market is doing,

So if any investment who cant trace or keep up with how the economy is running. Is big waste of time.

Heck if lose money, is even worse than FD.

U can use dow Jones industry if u like, u like tech bench mark use nasdaq, u wanna know how Japan econ is doing use nikkei, if u believe Malaysia economy look at klse.
That's what benchmark are, is a broad way of seeing how a demographic econ works.

So... Say u believe in Malaysia econ, is performing +40%  in 40 years, u do investment after 40 years gain only 30%. That just means u wasted your time and lost 10% for '' being an investor ''

I choose sp500 cuz is the snapshot of US economy

Yea...... That's why I buy sp500??

If SA can't outperform this, why bother SA. U still pay 0.8% fee monthly to them

Yea.. Is people choice to lose money professionally as well.
U still think it wait for years to recover. During the recovery (which is actually the dip), u won't buy, that's the problem there.
like i mentioned earlier,...what if you are in retirement age or having see other markets are better that SP500 during the SP500 "bad" years?

Then it will be same even if u use SA or anything else.

There is no guarantee SA is predictable. Is just a projection Freddy and his team.
a diversified portfolio will be in common sense les volatile than focusing on just a market like SP500. thus will be more predictable

If I say, I can make u alot alot money. The right question to ask is how much?

I say I make u 2% per year. U will be like wtf this guy, fd does the same. Why invest in me.

Same goes when SA says they promise some projection, this projection or past performance compare to what?
SA does not invest with promises of ROI,...but more to controlling to less than 1% chance of losing your equivalent money of your selected %SRI in any given year

Which I said, if SA can't beat a  sp500 as benchmark that is widely known in the investment world. Is a waste of time, if u earn less than that, is a waste of money.
does SA benchmark SP500? does investors buy into SA thinking that it will beat SP500?

This includes everything, u buy property, crypto, businesses, land etc etc.

Ok since u don't understand. I use another benchmark. Cimb give fd, 1.8% PA,

If an investment csnt beat FD, will u invest? Let's keep it fair, let's say for the span of 15 years.
investment has risks....your money can goes up and it can goes down too....FD does not