They can pay out 4.1% by investing 100% in fd? This is so hard to believe. What kind of fd can give them so high return that they can pay their investor 4.1%

Sell, add or hold?

Which portfolio?

recall you previously said your portfolio is 10% conservative? Switch in btw?

thanks the info help. need to learn to diversity. I'm now close to retirement and my portfolio is 70% real estate. Time to learn to diversity into equity.

Been long time since I drop by this thread. The glory days of SA is long gone it seems....

Anyone still holding on to their classic SRI 22% or similar portfolio? I've been slowly transferring into SA Simple. As soon as there's some gain I just transfer the funds onto Simple. Last month just transferred all my 36%. Now left with a 22% portfolio

re this right, so if USA economy collapse, does it mean the SA/Wahed investment that we do pertaining 100% US stocks, will burn our hands or is it a opportunity? i think is a lost more, because we bought at exp price, and it collapse? do enlighten me if im wrong?

The stocks in S&P are doing well in past few months are those heavy weight stocks such as Apple, Meta, Googles, Tesla’s, Microsoft, Nvidia.

You left out Amazon as well 😂 and if you minus those 7 stocks SnP in reality is down atm 🤦‍♀️

SAMY doing well lately?

A few weeks ago i lifted majority of my holds on 36% and 22% to stash away simple to realize profit and slowly DCA back into the portfolios, with the recent announcement, I've made request to withdraw all from simple. Will be placing all of it in Rize for 4% until March. After that? well, hopefully someone has some other place to recommend.

I put in money from 2021 feb until 2022 march. DCA basically over one year. I am at SRI 30%.

My return is around +3.2% p.a. based on excel. The MWR is around +9% to +10%. I dunno how they calculate but i never bothered about their calculation. I never doubted my calculation because pretty darn sure the +9% to +10% does not make sense. Because if i take my current value divide by total investment value, it is a mere 8%+ return. Over 3 years.

I can only confirm that the SA calculation of MWR does not tally with excel XIRR formula. It's not difficult to estimate SA is not per annum return for their MWR. Because it's 20% for your case. If you were making IRR of 20% per year... even with DCA, your investment would be ball park at least 50% more than it was when you started...

You should send an email and get SA to explain the maths behind to you if you so desire. You deserve it.

My suspicion is they probably didnt factor in the 0 8% that they charge us. And they didnt annualise it. Pure suspicion.

According to google yes. MWR and IRR is equivalent but SA MWR macam binatang yang lain.

I digress since you didnt ask but yes i withdrawn from SA 2 days ago. Finally. I acknowledged i invested at a bad time, KWEB was all high when i joined in. I know it is long term but i know what my right investment strategy is now. For MYR holdings, mainly EPF. For overseas, VWRA. No more roboadvisor... after much stumbling in my financial journey, i arrived at ETF and the existence of r/bogleheads.
Even if you can, should you? Would there be other avenues that you can buy VOO or VWRA at a lower cost? Also as non american, remember to look up irish domicile version of VOO.