apparently some technical issue, my sister's too, on the same date. you should received an email to say that your debiting fail, thats it.

just reschedule one again, not a biggie for me.

all classes have been affected, so now, the question to ask is, have SA managing the risk/downside better than benchmark/competitors?

Edit: Flexible portfolio available yesterday evening as shared by some forumers.

This post has been edited by tehoice: Jun 21 2022, 09:26 AM

this is not new, this was mooted since end last year or early this year already.

i also did their survey with regards to flexi portfolio.

not sure how did they select, maybe random? or maybe to some of the early adopters? I'm not too sure.

but it was a 30 mins survey via zoom, it covers survey on interface, choosing of asset classes, hypothetical questions about some future uncertainties and macroeconomics data, then see how will the user react to it, balancing of portfolio, etc.

ahhh, also comes with a 6 months of fee waiver as well.

in general, Nasdaq outperform S&P500, in the historically of late right?

seeing your statement, probably you are not ready to invest, maybe just yet...

FD that way >>>

but i would say, just leave it as 250 is not a big number for you right.

use this to build up your discipline in investing on a regular interval.

This post has been edited by tehoice: Aug 8 2022, 09:52 AM

hmm... for the KDI, do you put your money in Save or Invest?

They are MMF (at least for Versa) vs ETF though, it's different animal to be compared directly.

when you put money into aggressive portfolio, it is also likely to yield negative in the short term due to volatility. You ok with that?

already see green. guess it is gonna be active again?

Goal-based investing is good for newbie first timers

but the rolling out of newer products are also mainly to cater for some more sophisticated investors and who often knows what they want, but maybe at the same time, don't have the luxury of time or didn't want to DIY themselves.

yeah.... but don't all in at once la... we never know how low is low.... so stay invested and accumulate over time...

it's been very quiet in this thread.

krik krik kriikkk....

still not comparable with other MMF, not to forget that the time they take to do the necessary, buy, liquidate, transfer out, etc.

Having read some posts on the thread.

Realised that some members are really not ready to invest, maybe just yet.

The current downturn is probably global thingy and it is a pathway that probably most (if not all) will need to go through.

I'd say, it is definitely a better time to buy now, compared to those timings when you bought it in the past few months or so.

Suggestion is, ride it out at least, if you are not doing DCA (to buy at cheap/discount) or if you do not need the money, or money that you're able to afford to lose.

Otherwise, FD rates are getting better.

will just keep accumulating per my long term plan.

been positive for quite a while already, easily 2-3 weeks already.

Guess your own DIY IBKR ETFs are doing much better? (but also depending on when did you put it into SA for your previous investment).

I'd take the 5-6% annualised return, anytime, in such a bad year considerably.

also on liquidity and accessibility