after losing all my money in forex already numb for Stashaway

human nature, despite i know i am long term still i login everyday 

googled and found this...
could it be their meaning of buy low to average down??

Yes buy more to average down, if that is what you meant he quoted
Where is the contradictory to its previous statement?

investing is always an exercise in contradictions, careful when others are greedy, greedy when others are careful.
Yin yang
defensive vs offensive
Growth vs value
TA vs FA
Key is your own gut and stomach.

market down. DCA in again this morning

Wouldn’t that be basically locking in the losses?
I thought the whole point here was long term play.

I am not sure how old you are but if you like me have experienced 1998 financial crisis, 2008 lehman brother crisis and now 2019 Covid crisis. I agree with your statement. In a bull market every fund managers and investors are genius. Almost all investment turn green color fast. But it is in a bear market you can see who are the skillful fund managers and investors. In a bear market, funds that drop the lowest are far and few but if exist it really show the skills of the fund manager and investor. That is, we track who lose the least and for the rare gem that can turn green color in a bear market wow triple bonus treat!

In a bear market we don't know when is the lowest point which is why while DCA remove emotion and continue to invest, I take a slightly different step. Bear market is very scary the price can keep dropping for months without end. So for me I come out with my own style not really accurate but just to share. Others may disagree that is ok. Forum is for sharing.

After 2-3 months of price dropping, I do a DCA (smaller than usual monthly DCA amount) and monitor. That is instead of DCA every month I just change it to DCA every 2-3 months with smaller DCA amount. The toughest part is price can go up and down so how to know it is a bear market coming? The price can drop for 1 week and then rebound next week. I am not trained as a financial analyst etc where they got those TA etc analysis to do very in-depth tracking. For me layman just read more world news and surf more investment related forums to feel the investors sentiment. Yes investor sentiment cannot be ignored this I need to emphasize as it defy all logic but it is true in reality and I kena a few times before!

PS I actually wanted to ask is DCA definition strictly a monthly affair as I read in so many articles. weekly, fortnightly, 2 months, 3 months, 6 months one time is not defined as DCA? Hmmm

Stashaway sucks, cannot see market downturns coming. ERRA is supposed to be like Palantir, predict the future, and get us the best return.

Anyway, for me, breaking "record" liao 😄

Finally saw some updates to my graph after waiting for a few days. Go up a few bucks lol.

Question: Will stashaway be affected by FSI tax starting next year? If we are to sell? Or we have to declare in income tax efilling ourselves? Since Stashaway only invest in foreign stocks and bonds?

Hate this gov for imposing FSI tax to individuals also. Like we normal people not poor enough now coming for our investments. Pls tax those rich ppl la.. We normal ppl few k also want come after us wtf? 🤬😡 not like we transferring few millions back to malaysia pun.

Also no brain this FSI.. If we already pay tax on foreign stocks example VWRA 15% withholding tax. Why need pay malaysian tax again? That would be considered double tax?? Breach of agreement with some countries liao like US!

Pls vote this gov out in next election.

Later ppl will say due to SA re-opt every year, so the gain is not capital in nature 

re-read my sentence: for me, breaking "record" liao.

Official reply from Stashaway Whatsapp account (screenshot attached at btm)
Lol good that not I alone confuse.. SA people also confused 😂

By total portfolio

Temasek's 13F filing on Monday (15 Nov 2021) listed investments in at least nine Chinese companies.
In other third-quarter portfolio tweaks, it bought more of the ADRs of 17 Ed & Technology Group, Beigene, Gracell Biotechnologies, Pinduoduo and ZTO Express and maintained its stakes in Tencent Music Entertainment and 21Vianet Group.

In all, Temasek listed holdings in 91 companies with a combined market value of US$28.6 billion at the end of September, compared with 99 companies worth US$34.3 billion at the end of June.
They represented a small portion of the S$381 billion (US$281.6 billion) of assets it managed on March 31.

Temasek had about 27 per cent of its assets invested in China in July, unchanged from March, according to its July investment review.
China remains Temasek's largest allocation by geography outside its home base.
https://www.msn.com/en-xl/money/topstories/...hows/ar-AAQKEYa

I think a lot of people can handle volatility well.

Upward volatility, not the other way.

i guess the takeaway here is, if someone suggests to HODL, ask them if they already have skin in the game (don't worry, there's quite a few here who's holding out for the long run)

suggest to DCA when you see many of the ETFs go down for a portfolio.. that way get to buy low & sell high later (excluding ETFs like KWEB that keep going south.. thematic portfolio ETFs is a good example those that have mostly growth.)