Feb 9 2022, 01:52 PM
QUOTE(littlegamer @ Feb 9 2022, 01:05 PM)
Nope... These few years are exceptional. Not just sp500, everything at stocks in exceptional.
Sp500 just like I said, a snapshot of us overall economy.
I'm ofc not confident just because I started investing few years ago.
But u also mention, overall sp500 over the decades give 10% average. That like almost a century worth of back track....
Where SA only has 5 years?
YES,...only 5 yrs,...Sp500 just like I said, a snapshot of us overall economy.
I'm ofc not confident just because I started investing few years ago.
But u also mention, overall sp500 over the decades give 10% average. That like almost a century worth of back track....
Where SA only has 5 years?
see attached image
taken from
https://www.stashaway.my/how-we-invest#performance
SP500 had longer years so are alot of incidences of long downtrends waiting to recover years...
if you are prepared to wait it out when it hits,...then ok lor
QUOTE(littlegamer @ Feb 9 2022, 01:09 PM)
Yea.... If u can predict the market, I wonder why are in even discussing.
Just tell me what is best d, I will follow your prediction, since is godly.
Heck if u can predict the market, u would have been a billionaire.
Not even Warren buffet can predict.
Say u don't have godly power to predict, so when is the best time to sell yeah?
Ok I'm being quirky, but really how can u predict a market consistently? 2019 econ was good, who would have predicted covid?
Did u sold everything on Feb 2020?
No one can predict the market. Everyone tries to predict the market, and everyone tries to outperform the market (beat the market), few succeed in doing it long term.
since "we' can not predict how it goes....Just tell me what is best d, I will follow your prediction, since is godly.
Heck if u can predict the market, u would have been a billionaire.
Not even Warren buffet can predict.
Say u don't have godly power to predict, so when is the best time to sell yeah?
Ok I'm being quirky, but really how can u predict a market consistently? 2019 econ was good, who would have predicted covid?
Did u sold everything on Feb 2020?
No one can predict the market. Everyone tries to predict the market, and everyone tries to outperform the market (beat the market), few succeed in doing it long term.
("we" may not includes you,...because you do the "maths")
thus to many of people including me, it is BEST to avoid focusing on ONLY a market index.
QUOTE(littlegamer @ Feb 9 2022, 01:14 PM)
Nice graph, just needed for me to prove my point.
Say u buy after 1980s, 2020 u retire, that's 40 years of work. Now, say your sp500 drops 50% next day, how much more would u have compare to any other investment?
U go do the math.
If I'm not wrong, u should dca in SA, at least that's the intended way of using SA. How would it work out.
If u are investing for short term like 5 to 10, just go with whatever that is hippy and trendy.
i mentioned ....JUST be Prepared to wait......and hopefully that waiting years is not during your retirement age during the SP500 "Bad" yearsSay u buy after 1980s, 2020 u retire, that's 40 years of work. Now, say your sp500 drops 50% next day, how much more would u have compare to any other investment?
U go do the math.
If I'm not wrong, u should dca in SA, at least that's the intended way of using SA. How would it work out.
If u are investing for short term like 5 to 10, just go with whatever that is hippy and trendy.
QUOTE(littlegamer @ Feb 9 2022, 01:26 PM)
Nope.... U don't get to predict the market. Uptrend or down trend.
U can only minimize volatility.
That said why care volatility when u go long term?
Ppl who uses SA not intend to match or beat sp500, but then again if it dosent why use SA?
they use SA because of diverification nature of the platform and they monitor it and try to control your portfolio so that it does not have more than 1% chances to lose "x"% of your portfolio in a 12 months period
I was using FD as an example. But I still stand my point, u do investment buy here buy there with kinsman suit shaking hands and closing deals. If in the end u lose money compare to FD, u still lose money.
if you had invested before the start of "BAD' years of SP500 and had to wait for it to breakeven......that would be a different talk then
Ppl buy property, buy assets, buy things that hope to appreciate, end up worse than FD. Then what's the point......
Thus I call that losing money professionally......
thus i mentioned it again...be prepare to wait for it to recovers and hopefully you still have the financial means and the emotional steadfast to still stick with SP500...
but looking at it,....you would have "cabut" and moved your asset to another markets or platform....just like you did with SA
Same goes to your salary, each year inflation around 2 to 3 %, u gain more skill and responsibility, ur boss naik u 2 to 3% u Nak?
In this case u work more for the same output.
if you are not generating and value added, too old to want learn new things and does not have the meant to make grow the company by just be present and work like you did 20 years ago......does not increase your output, then how?
Same goes to any assets. Some uses epf and benchmark, about 5% per year average.
On serious note, epf is the best DCA, u are forced to do so and u is consistent enough for u to see the growth and also long term.
YES......that is not the case when last time...many years ago,...where UT makes better than EPF.....but hisotrical looking back....now...it is not.
sound familiar,...?(sp500)
Though now I'm stepping in the realm of spending habits, I often see ppl at age 50 spent all their available epf, if they have just left it in epf and spend their interest 5% PA, they would have live with it indefinitely.
Back to sp500, nothing against other investments, if that said investment dosent outperform this simple indicator of overall economy, what is the point of it?
This post has been edited by yklooi: Feb 9 2022, 01:56 PMU can only minimize volatility.
That said why care volatility when u go long term?
Ppl who uses SA not intend to match or beat sp500, but then again if it dosent why use SA?
they use SA because of diverification nature of the platform and they monitor it and try to control your portfolio so that it does not have more than 1% chances to lose "x"% of your portfolio in a 12 months period
I was using FD as an example. But I still stand my point, u do investment buy here buy there with kinsman suit shaking hands and closing deals. If in the end u lose money compare to FD, u still lose money.
if you had invested before the start of "BAD' years of SP500 and had to wait for it to breakeven......that would be a different talk then
Ppl buy property, buy assets, buy things that hope to appreciate, end up worse than FD. Then what's the point......
Thus I call that losing money professionally......
thus i mentioned it again...be prepare to wait for it to recovers and hopefully you still have the financial means and the emotional steadfast to still stick with SP500...
but looking at it,....you would have "cabut" and moved your asset to another markets or platform....just like you did with SA
Same goes to your salary, each year inflation around 2 to 3 %, u gain more skill and responsibility, ur boss naik u 2 to 3% u Nak?
In this case u work more for the same output.
if you are not generating and value added, too old to want learn new things and does not have the meant to make grow the company by just be present and work like you did 20 years ago......does not increase your output, then how?
Same goes to any assets. Some uses epf and benchmark, about 5% per year average.
On serious note, epf is the best DCA, u are forced to do so and u is consistent enough for u to see the growth and also long term.
YES......that is not the case when last time...many years ago,...where UT makes better than EPF.....but hisotrical looking back....now...it is not.
sound familiar,...?(sp500)
Though now I'm stepping in the realm of spending habits, I often see ppl at age 50 spent all their available epf, if they have just left it in epf and spend their interest 5% PA, they would have live with it indefinitely.
Back to sp500, nothing against other investments, if that said investment dosent outperform this simple indicator of overall economy, what is the point of it?
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than having thematic portfolio that are more focused in or more heavily focused in a sector/(thematic),...be more "safe" than the 36% SRI portfolio and more suitable for those that does not like to see losses like KWEB impact their port?
good that you found out what you want, realized what your true risk and preferences are, while in investing in SA for the last 2 years and managed to come out with GAIN....
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