Aiyah, people still trust established fund houses more mah. Those uncles and aunties out there would rather deal with the long timers XD especially if they're rich enough to get financial adviser/priority banking

unfortunately they said they can't change mine to USD due to the DRB policy 

when signing up SA, at part of domestic ringgit borrowing. if answer "I have more than 1 domestic ringgit borrowing" = GDP portfolio, otherwise it will be USD

Second year anniversary using SA.

You missed out crypto and forex before stocks 

Stocks is lowest cost for higher transaction amounts. It almost cost nothing to buy 🇺🇸 stocks.

somewhere i dont really agree on the bond..its return is worst than ETF and UT, in my case..

Sorry, please forgive my newbness. I get the KWEB part, but not the USD conversion side. Why it's affected by our strengthening of MYR?

Thanks ChessRook and everyone for helping me understand this 
Ya, I think so too, cuz if long term...then...let it be...we can't control everything. Even for shorter term, personally I will not think too much about that part too, but it's very useful to be aware of it and make better decisions.

It is because they do not have the access directly to the trustee brokerage account during off Malaysia working hours

If you understand how trustee works then you know why you should buy ETFs directly

The lag in SA is noticeable because it involves brokerage, trustee and banks in order for them to work

The only for SA to have live data on markets they would have to get brokerage license which is difficult to get

The buy price order are determined by the weightage of your portfolio because the markets are fluid hence if any additional cash deposits it will buy the most under weighted equities then only follows back by balancing based on asset allocation %

Fractional dividends are given based on unit holdings because if the unit holdings doesn’t meet the requirements of minimum units hence dividends will not be given out because fractional dividends are given to those with minimum requirements of unit holdings with at least 0.1 units

If you look at it those accounts less than USD500 chances are because the units are fractional dividends will not be given because it doesn’t meet the required minimum of usd0.01 and for example IVV at USD420 with 10% allocation in 30% SRI the unit holdings 0.1190 units with dividends of usd1 per unit the dividends are only is usd0.001190 hence doesn’t meet the required the ETFs to distribute back the dividends back to the holder

0.1190 units based on dividends for fractional you don’t get full dividends by units but fractional dividends as per ETF makers hence you are only getting 0.23% dividends which is only 0.0002737 in additional units with the value of USD0.001190

It is however subject to whether SA will payout because they only will get full accumulated amounts of dividends which they will distribute unlike UT where by there is a mechanism to distribute the units itself while SA will have to figure it out on whether to pay based unit or not because the value is unless it reaches a minimum of USD0.01 then you will receive the dividends reflected in additional units being reinvested or park into the cash allocation

1/420*100% = 0.23%

0.1190*0.23% gives you the magical unit of 0.0002737

The dividends are giving out on monetary value but reinvested back into units from your holdings value hence you don’t get the full value of dividends unless you hold an actual unit of ETFs itself

Federal Reserve officials signaled they expect to raise interest rates by late 2023, sooner than they anticipated in March, as the economy recovers rapidly from the effects of the pandemic and inflation heats up.

Their median projection showed they see lifting their benchmark rate to 0.6% from near zero by the end of 2023. In March they had expected to hold it steady through that year.

Fed officials also discussed an eventual reduction, or tapering, of the central bank’s bond-buying program, Chairman Jerome Powell said in a press conference Wednesday after the central bank’s two-day policy meeting. The timing of such a move remains uncertain, he added.

Stocks and bonds fell after a statement from the Fed and Mr. Powell’s press conference. The Dow Jones Industrial Average closed 0.8% lower and the 10-year Treasury yield rose to 1.569%, from 1.498% on Tuesday. Bond yields rise as prices fall.

The Fed’s change in tone and new forecasts were “a wake-up call to the market” about the central bank’s likely response to higher inflation, said Phil Orlando, chief equity-market strategist at investment manager Federated Hermes Inc.

Prompting the policy shift is a much stronger economic rebound and hotter inflation than the Fed anticipated just a few months ago.

https://www.wsj.com/articles/federal-reserv...021-11623777582

Depends lor, if you're doing this for long term (as you should) then take the fall as a windfall and shoot a few extra bullets.

Markets taking a hit is to be expected with the past trend of prices stabilizing and inflation risk. Once economy reopens in full it'll go up again. Just part of the market cycle.

It's very rare for everything to underperform cash holdings, like in 2018. Very rare, don't count on it.

Hell, cash SHOULD fall against other assets most of the time in history. That's why stashaway is safer than you think.

KWEB at one time DOUBLED after the last reoptimisation.

TBH investing anytime after March 2020, it was hard to even lose money, except oil n gas.

nearly everyone wins last year, its hard to prove portfolio b4 reop outperforms after reop.