2022 is really a bad year for alllll investments

So I got a few portfolios. Some interesting points I picked up:

1. Stashaway starts to use UCITS ETF, basically Europe-listed ETFs that can accumulate dividends and bring down dividend taxes at the back from 30% to 15%. For example in VAR 36%, they start to use ISAC:



2. In VAR 12%, they put 1/3 in BIL. I personally dislike holding USD at this moment but at least it has weakened a bit vs MYR, so ok lah...



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Side question from seeing BIL inclusion: US and SG governments already allow their citizens to buy treasury bills directly, cutting costs, risks, and may even pay better than fixed deposits (or certificate of deposits, time deposits depending on countries). When will Msia gov allow us to buy MYR gov bonds directly?

hi guys~ hows everyone doing? Hope u all doing well

anyone here does invest in AKRU too?

When the lost finally -10%, suddenly become -20% again... What happened to SA.

your account is malaysian SA right? before GE15, ringgit was 10% weaker compared to Jan 1, 2022.

after anwar got elected, ringgit strengthened 5%.

Hi guys.

Was thinking of create a small high risk high reward flexible portfolio for my overall portfolio. What do you guys recommend. Was considering to add a few high risk high reward type ETFs like Nasdaq qqq etc. any ideas what ETFs would be good and what sort of allocation for each?

That is true. I suppose what I was referring to are high quality but volatile equity ETFs as opposed to questionable ones or trendy ones that can very likely go to zero and stay there. Know what I mean?
Well that may be so. However I’d only be putting in small amounts here monthly. Like less than 100. For the time being at least. When I get better pay I’d increase it accordingly. Also I’m not quite able to invest via any exchange I want due to my job. The one I can’t invest through is kinda pricey for foreign investments. 0.8% pa seems to be the lesser of the evils at this point. Plus for me I do get value through sa mainly thorough their rebalancing, sorting out the paper work such as making claims for some portion of the withheld tax amounts taken from the dividends issued, getting access to fractional shares via an sc regulated platform. Just to name a few.
Wow that is risky indeed. I think the random policy changes make them unjustifiably risky tho. It’s something that we have almost no certainty would return to a favourable state from an investor’s perspective, let alone a foreign investor. Whereas if it were merely market volatility due to economic factors I’d find that to be better risk to reward, given the expected possible returns that is.

Do you feel these would do better than something like the nasdaq 100 or a us small cap etf over a period of 10 years or so tho? What’s your take on this?

Or if they just buy Maybank..for abt 12% total returns (incl.divy) this year.

No need to be genius investor if they know how to pick the right stocks 🤦‍♀️

IBM is a good example 5.5% YTD

There are ppl who still in positive this year as they might even missed out on 2020 gains

You mentioned FD. So you were comparing ETF with other things.

also on liquidity and accessibility

when market recover later, SA portfolio returns likely show much better results than now. But need to wait….

Good point raised. I suppose The Fed is still in its hawkish phase trying to curb/tame inflation though many investors like me are hoping for a more dovish stance sooner rather than later. As case of a rising tide lifting all boats, as it were. But I do suppose The Fed will still continue to raise interest rates for 2023 thus impacting money supply as well as equity markets overall.

Likely The Fed will continue to be hawkish, raising interest rates applying downward pressure on the markets overall.

Expect another 5% swing this year if BNM doesn’t start to increase OPR this year 🤦‍♀️

Inflation will start biting once subsidies will reduced come mid year

I duno man….
My SA, syfe, ibkr, fsm all into sea water.

Want to blame SA… but generally market bad… but if dun scold SA, cannot also coz their perf is not what they preech…

Only thing doing good is my epf and ansb… but those number can be fake…. Or beutify…. Or just reserved drying up…. So yea…

I think the crisis is imminent. We just wait and see.

Cash is king for now