It could also end up as negative after a year, with some of the comments I read on the web lol

Investing in CSPX, VWRA, VUAA, or SWRD etf would at least give you 20% or more returns after a year. Already proven. Can hunt for other great ETFs also.

And don't even need any investing experience since they are ETFs with fund managers that would balance your account if need to.

If you buy Apple, Tesla, Amazon, Pfizer etc stock on your own then need to monitor news on and off to make sure they don't somehow tank. If choose less well known stocks then have to be even more careful and know their financial reports in and out. Yes those will need investment experience and knowledge.

Search Google if buying ETFs alone will make you rich or not.. The answer is yes. Provided you invest in the right ETFs.

This post has been edited by Davidtcf: Jan 5 2022, 11:33 PM

Earlier my bad coz didn't check one by one the ETFs that Stashaway is buying into for their portfolios. Else I would have stayed away.

Once see KWEB keep falling only end up facepalm.

After that I went painstakingly check every ETF they are buying and their performance for one year & 5 years. Once I know then decided to sell all and DIY. A bit too late but still got time to avoid future losses.

If Syfe opens in Malaysia one day should be a better with their Dividend+ and Equity 100 portfolios. Imo those they choose are way better options.

if too much bad ETFs like KWEB will end up pulling down an entire's portfolio's earnings, even dividends also cant help much that time.
those that cash in right before KWEB massive fall to date will have the most to lose.
what if you need to cash out suddenly? thanks to a few bad ETFs here and there you'll end up getting less cash when selling a part of the portfolio.

This post has been edited by Davidtcf: Jan 6 2022, 10:46 AM

It's due to news on Fed's decision.

Feds want to increase interest rates 3 times this year. Gonna be bad for US stocks. Better wait prices stabilize first before buying too much US stocks:

https://www.fool.com/investing/2022/01/05/w...is-toast-today/

https://www.cnbc.com/2022/01/03/markets-and...two-months.html

https://www.nytimes.com/2021/12/15/business...ember-2021.html

when Fed's increases interest rates it will make harder for businesses to borrow loan (will be more expensive) hence harder for them to improve/upgrade their businesses. This is why investors will worry as growth will be lower. Plus side is this will reduce inflation rate for US citizens.

Last year 2021 was good as interest rate was almost 0 to boost spending and improve economy due to Covid. This year stocks/US ETFs growth might not be as good.

Some sectors will benefit from this, mainly banks. Time to look into their stocks or ETFs perhaps:
https://www.investopedia.com/articles/inves...erest-rates.asp

if you want easiest passive income is to open a local CDS account like Mplus, AffinHwang (can choose 1 only), and buy high dividend stocks (recommend RIET or banks as they are stable no need monitor). If more adventurous can try company high dividend stocks - make sure study their financials closely.

Dividends will get banked into your local bank account once available. Reits or banks usually pay 3-4 times a year of dividends at 5-8% dividend yield total.

Can check out the list of high paying dividends here (search keyword "reit" or "bank"). "TTM DY Yield%" is the prev year's total dividend yield % for that stock:
https://dividends.my/dividend-ranking/

Buying at Bursa helps to support our local economy also and part of diversifying. No need worry about FX rate, ETF not performing due to SA simply choose, transfer money here and there (can direct FPX) etc coz you DIY choose them yourself.

This post has been edited by Davidtcf: Jan 6 2022, 04:59 PM

yea, thats why some youtuber like Ziet Invests sold off his entire Bursa portfolio and focus on US market.
I just wanna leave some in Bursa to get some stream of dividend. What I chose won't go up or down much in price.
When old age dividend income will matter more since we can't absorb as much risk, and need some income to come in too.

Also wanna leave some investments closer to me that I can withdraw easily and earn some cash dividend direct into my bank. My portfolio there very small only. I do hope Bursa go up more and improve.. hopefully when Covid is over or if lucky change gov.

For US the moment you put your money in, you don't feel like taking it out until old or gonna die. If sell due to need of money also feel heart pain since so complex process and hard to buy back at previous price. Their stocks and ETFs go up in price so fast.

I heard SG reit pay more dividends, but for me might as well just go for US stocks or ETFs in that case since so complex to buy there also.

22% much more steady.. maybe due to lesser investment into KWEB.

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.)

This post has been edited by Davidtcf: Jan 11 2022, 03:50 PM

ok lor is your money.. just suggest only.
if wanna DCA when everything is high then prepare to see losses once it drops. Need more time to see it go back up.

so if got FSI tax, will you end up invest in Bursa only? can try and see what happens there
p.s. I already tried and it suck balls to invest in Bursa.

Agree. Choose right time to deposit is better.

One month got 30 days, for sure got at least a few days
is better than the rest.

Go read up when is generally the best time of the month to buy stocks, article says middle of the mth. As prices of stocks tend to go down a bit that time.
Stock market more active in the early of the day and near end of trading hours.. Those can influence price also. Can read that up.

I use IBKR buy ETF all the time. Min purchase is 1 unit and I usually go for Irish domiciled ETFs for that 15% withholding tax rate. I buy all are accumulating/reinvest dividend but note that this tax will affect this dividend as well. Stashaway only buy US domiciled ETFs which has 30% tax rate.

If buy SGX/Singapore stocks then yes 100 units per lot which is standard. Cannot less than that. Similar to our Bursa.

Anyhow US market dropping a lot. Pretty scary see how fast and how much it can drop in one months time. Due to Fed increase interest rate and planning to increase even more. Plus covid still around. Hope things will improve later this year. Just don't be too hopeful that US growth will be like last 1-3 years ago.

Just hodl them for time being till things improve. Part and parcel of investing got up and down times. Buying when they are low got chance to make more later once recover.

I'll never invest in China.. as long communist party hold a tight control on their economy and policies. Overnight they can come up with crazy ban or new law. Unstable. Risk is too great for me. Also imagine what will happen to their stock prices if they really go to war with Taiwan? How will the world react to them (imposing heavy sanctions maybe)? They're already sending planes to invade Taiwan's airspace on and off since Xi Jin Ping came to power. Dude is like so ready to invade Taiwan any day.

Considering to put more money in MY or SG dividend stocks this year (e.g. reits, bank stocks).. seeing how bad the US is doing now. At least can farm some dividends while waiting market to stabilize.

This post has been edited by Davidtcf: Jan 20 2022, 03:10 PM

Taiwan news now also got report about war lor: https://www.taiwannews.com.tw/en/news/4415178
Anyhow nobody knows the future.. maybe in 1 year time war liao, or maybe in 10 years time also nothing happen. We'll see.

The west won't let CNY take over as primary currency. They invented the modern financial system.. will use all sort of dirty tricks and pull all type of strings before that would happen.
If US currency drops to nothing one day, likely Euro currency will take over as primary currency of the world.

Yes my main portfolio is US and it is bloody red now. 😢

wah now Stashaway smart got new ESG portfolio for General Investing.

Can avoid KWEB 100% using that portfolio. (I think this is their main motive hehehe )

ESG stands for Environmental, Social, and Governance. Responsible companies la konon-nyer..

Thought KWEB price can go up when US there dropping like mad.. end up still same. Went up last week and drop back down again.

This post has been edited by Davidtcf: Jan 24 2022, 04:58 PM

yea cant compare for this year.. US stocks now all going down like mad.. the downward spiral might not end yet due to Feds keep increasing/gonna increase interest rates.

If I have Stashaway will choose the ESG portfolio and DCA on and off into it. At least much better than the standard one with KWEB all over it. US market and developed nations as bulk is a safer bet.

Agree.. not a good time to get into Chinese stocks due to Xi JinPing being leader of the CCP. We have already seen a lot of what he's capable of doing. Don't be surprise war with Taiwan in the next few years.

Why? Read this to understand from investors' perspective:

https://www.cnbc.com/2022/01/05/cramer-says...ist-regime.html

He idolizes Mao Ze Dong and is very pro Communist China of the old days, not the modern day China that focuses on growth and more freedom.

This post has been edited by Davidtcf: Jan 27 2022, 02:35 PM

More on Xi Jin Ping:
https://www.nytimes.com/2021/11/16/world/as...xi-jinping.html

which explains why he dare to take over the islands on South China Sea, go to war with India earlier, and now sending planes breaching Taiwan's airspace - just to show China's power and influence.

This post has been edited by Davidtcf: Jan 27 2022, 02:38 PM