QUOTE(Takudan @ Feb 14 2021, 03:04 AM)
Hello, did I just get conveniently excluded from the statistics with my -0.56% TWR/MWR?
Thanks. I do have some long term investment on stocks outside SA, so increasing risk index to focus on equities feels like I'm putting too many eggs into the same basket... or am I wrong to think so? I'm not saying I have eyes on all kinds of industries/sectors, but I'm thinking a market crash would affect every stock out there.
Honestly I was expecting it to perform better than FD or heck, my saving account lol, but I can't bring myself to top up to a portfolio that tells me -0.56% TWR, meanwhile my manual investment is going strong at 15%+
It's hard to think that it was a bad peak when the market right now is better than in Aug 2020. So was I really just unlucky with the AI/whoever working on my account? I'm trying hard to convince myself about SA haha
365 days in 2020 vs 1 day lump sum leh
aug - dec 2020 is also missing out on early 2020 dip/peak bull runs lol
anyways, no you're not wrong to think so because SAMY is essentially majority ETF on their highest risks.
so your DIY stocks is pretty much "same" as what SAMY is doing, except they do for you. hence my earlier post - pick a side and focus it depending whether you're good at the market or not.
or split for the sake of diversification.
the drawbacks for diversification is always dilution.
meaning you stand to miss out gains as you diverse into other not so gaining sources.
so again, simple solution = bump it to 36%, start gaining, then you decide if you wanna pull out or continue.
disclaimer: however yes, the market. risk vs reward, for many old timers, SAMY wasn't always bull running forever.
I'm not an old timer and i joined in the dip/peak of early 2020 (increased deposits) even though i originally started around Sep 2019 with around maybe RM100 monthly / some months also skip aka 0