Thanks.. sad that mod didn’t take the necessary action.
Not sure what’s his problem. Got issue come argue/debate with me like a real man at the forum, not harass people via their personal pic. This is not kopitiam section for you to do such things.

Edit: He deleted the pic. Case closed.

This post has been edited by Davidtcf: Feb 10 2022, 08:53 PM

Buy for long term hodl not short term. This is not crypto trading lol.

I’d only sell if a meteor gonna hit US, or some major catastrophe capable to destroying or greatly damage the whole US. (Or any part of the world where your portfolio is located)

This is some small war between Ukraine and Russia. (Don’t think any of us buy Ukraine or Russia shares) Even if Russia wins they will get hit with all sort of sanctions and penalty by western countries. They are already poor AF and by doing this, they are only asking for more trouble upon themselves.

Wah, 3% fixed interest rate sounds gooding.. they can maintain such payout? Some more state 0 fee at their registration site for KDI Save.



"free" for funds below RM3k for KDI Invest.. maybe to encourage more people to top up beyond that amount.
Charges above RM3k - 0.3 to 0.7% likely depending on amount invested. Good to see another Stashaway competitor incoming
they mentioned we can pick which allocation we want - seems to copy Syfe's formula.

will wait till product launch to see how good they are

This post has been edited by Davidtcf: Feb 15 2022, 05:55 PM

No not possible to transfer from SA to Kenanga. They are robo advisors both have their own management fees.

Only if you buy stocks or ETF from broker can you request for transfer. Provided both brokers got the same offering e.g. Both brokers also can buy and sell CSPX. Example of a broker is IBKR, Tiger broker, Rakuten Trade etc.

This post has been edited by Davidtcf: Feb 15 2022, 08:16 PM

problem is don't know what KDI Invest investing in.. what are the underlying ETFs for each risk %.
They didn't disclose it when buying or if user want to check beforehand.

From the way they design the menu can see they copying Stashaway formula.. but interface etc still way behind SA.

Someone posted there that they will reveal the ETFs only in the monthly statement. So hope it will perform...

For KDISave also dunno what they investing in to get the 3% returns. Lol.

This post has been edited by Davidtcf: Feb 17 2022, 09:57 AM

It's about the current administration and what type of iron grip they are practicing within China. Together with their incompetence yet refusing to let the news leak out to the world.

Just for folks who hold on to kweb to know. Or thinking of investing more in it.

Yes this. Read the news about him removing the term limit as president. Basically he can rule China now till he dies, unless if the politburo sack him or he steps down himself.

Bear market usually end up with bull market. For KWEB no one knows if there will ever be a bull as long Xi emperor still reigns. Price might go up a bit then dive.. End up more negative than positive gains after a year. (Just guessing based on historical chart, I can't see the future)

US market we know for sure it will end up in bull. And usually not long after a bear market. Only if got some major world disaster or some crazy event only this might change. So far things still normal, world also getting use to Covid already. Fed raising interest rate is not new.. Happened many times in the past and each time it affected the stock market in the short term.

This post has been edited by Davidtcf: Feb 20 2022, 12:03 PM

Yea that makes it even harder to remove him. Consolidation of power with an iron grip.

US market also depends what Fed will announce in coming months. They plan to increase interest rates 7-8 times in 2-3 years. Say only la reality not sure yet. So probability of market heading lower could happen. But for sure once this interest rate thing dies down, market will recover and likely keep bull run after that. Take it as a good time to gather more US stocks and ETFs due to discounts.

Hope Russia don't go to war also.. This could trigger market volatility if they really attack Ukraine.

Yes recommend this also for Stashaway General Investing. Focus more on US and developed markets. no KWEB inside.

This post has been edited by Davidtcf: Feb 20 2022, 03:21 PM

good video..
it's a personal decision then, whether you're ok with KWEB in the normal General Investing portfolio, or ESG option.

if want the most control and don't want either, then DIY investing via IBKR to choose the ETFs you like.

This post has been edited by Davidtcf: Feb 21 2022, 04:03 PM

coz of the fund manager's unwavering faith in KWEB:



last year it did not perform well (when US high bull market), and this year likely will do worse (due to US bear market and Xi still not changing his ways).

Non stop regulatory crackdown on tech firms will scare away investors. KWEB ETF are made up of tech stocks:
https://www.reuters.com/world/china/fresh-f...out-2022-02-22/

hopefully ESG General Investing in Stashaway will do better, or another alternative is Kenanga Invest (dunno what they investing in yet; need people to share statements).

This post has been edited by Davidtcf: Feb 24 2022, 10:46 AM

NATO and US dont have to assist in the war as Ukraine not officially in NATO.
I'd guess they will impose Russia many sanctions to make them stop the attacks and withdraw.

War is bad for everybody.. if Russia start attacking EU countries like France, Germany then I would be scare.. right now they just invading a country that was once part of Russia.

Russia hand itchy want to "force" back Ukraine into its borders.

Ukraine once was part of USSR, but they broke away after USSR fell.
Then they even almost joined NATO, but somehow later withdrew from joining. This caused a big riot in the country as its residents want to join NATO.

Russia then see this as a threat.. they can't take it if Ukraine join NATO.. as an attack on NATO country will force all NATO countries to defend it. So they decided to make a move first before this becomes reality.

But I think biggest reason is Ukraine has many natural resources (like oil), and is an important trading hub:
https://www.eia.gov/international/analysis/country/UKR

Many countries like US and EU already tried talking to Putin.. but in the end all failed to change his mind to attack.

Ok more accurate is USSR. Soviet Russia in the past.

I will still die2 avoid investing in China as long Emperor Xi still in power. We can see all his belang liao. Invading Taiwan likely to happen. He just waiting for the right time.

One day a more open minded China president takes over.. Who is more modern and democratic.. Then ok will put some money into China. They can still be communists, as long help businesses and their people there to thrive and succeed.

Yea once again related to oil. Putin must have weighted the pros and cons carefully before deciding to do this. He is a smart person based on interviews and past videos on him. But also not to be trusted seeing how he twist and turns his words to suit the situation.

Just watched this video yesterday by Ben Felix.



He got mention about lump sum and DCA. In the end it doesn't matter. Better to invest than to not invest.

Also Stashaway got Monthly and Quarterly recurring deposit only. Going to be hard to try to make it 4 times a month.

You'll need to create 4 such recurring deposits on different dates in order to execute such a DCA.

Extra option for them. Not everyone likes to go through Wise or CIMB SG then to IBKR just to buy some ETFs. Some want shortest way possible minus hassle. As long they see growth they happy, they don’t mind paying some fees.

Also use robo tools like SA can Auto deposit mthly also. The initial fees are much less than when transfer using Wise.. one time see fees 30-50 bucks easily when transfer large amounts of money via Wise. However where u save here is long term for management fees. IBKR don’t have yearly fee like SA.

So both sides also got interested users. Depends what one likes.

This post has been edited by Davidtcf: Mar 9 2022, 12:51 PM

if wanna know which is more worth it. Calculate fees by Stashaway a year based on your total investment. Then compare with Wise:
https://www.stashaway.my/pricing

For Wise Fees they transparent also for both FX rate and transfer fee:
https://wise.com/my/send-money/

Did an example below via Wise:



Then in IBKR got some minor fees. But all these fees only paid during buy or sell orders:

UK fees (if buy Irish Domiciled ETFs these will apply):




US fees (scroll down got some other fees but all are super low):


But of course DIY more steps and some people find it confusing or lazy to do it.
If you really push yourself to do it, once use to it will find it easy since all the account and transfer information already saved in your favorites. Wise will save your IBKR details after the first transfer.
Then they will give excuse they lazy monitor.. if you invest DIY long term, you don't need monitor much the first place if you pick the good stocks / ETFs. Just read news once a while to ensure you know what's going on in the world. If buy individual stocks then more work as you need to keep up to date as to how the company doing (example later CEO die affected company). Check portfolio once a month also ok. Hardworking will give you more edge in investing laa.. wanna earn money ma.
Keep checking and kanchiong not a good thing also as it might trigger you to sell and make losses. When investing need to keep your emotions in check.

Stashway pros also is got roboadvisor/fund manager help u do rebalance.. but some apps like Stashaway you have no control over what they choose to invest in, just need to follow the flow (this is why if can choose which ETFs might attract some people).

Also if use Wise transfer to IBKR, need to keep receipts also in case IBKR auditor ask, since you're using Wise which is a 3rd party to send money to IBKR. Need to prove to them that it is your savings and not illegal funds. I save all my receipts using Dropbox cloud, so phone can access anytime if they ask.

TLDR; DIY invest via IBKR cheaper, but more steps and higher learning curve, wanna buy/sell everything ownself control. Stashaway fees more expensive if compounded yearly over many years, but easy to execute buy/sell. Also Stashaway help you rebalance once a while.

oh and if you're buying ETFs, do note that ETFs also got fund managers, they will rebalance for that particular are that the ETF invests in. Example S&P500 they will rebalance between those 500 US companies in S&P depending on their performance. Imo I feel this is good enough if you choose the good ETFs.

This post has been edited by Davidtcf: Mar 9 2022, 03:01 PM

Yes, IBKR will surely be cheaper, no matter the amount put in. DIY is always more cost effective.
There are no short term investment tools in Stashaway, so if long term IBKR wins.
Check Ziet Invest youtube video for the steps if interested.. just search "IBKR" at his videos.

Stashaway is a business.. they use all sort of ways to make you buy into their idea. In the end what matters most to them are those fees which keeps them running.

Best do own research on what's best for your money. Can use robo like Stashaway, but be sure to know where your money is going with them.

I more interested in Robo to help me with inflation hedge and conservative portfolio.. right now I'm impressed most with MyTheo.
For Stashaway I want to avoid KWEB completely, if they give me a choice to do that then I might consider.

This post has been edited by Davidtcf: Mar 9 2022, 03:33 PM

News for those betting on KWEB. They don't look good:

https://www.china-briefing.com/news/new-gov...se%20of%20their

https://www.cnbc.com/2022/03/11/us-delistin...-companies.html

https://www.cnbc.com/2022/03/10/these-chine...he-decline.html

delisting will definitely hurt.. US stock market is more attractive especially for Americans to invest in. Also if i'm an American and I read news China companies not being transparent enough - causing the delisting.. I'd definitely stay away from all China stocks on the US market.

Also adding on the pressure of regulations from China's gov. KWEB will end up getting a double whammy effect.

This post has been edited by Davidtcf: Mar 14 2022, 11:00 AM