the GLD dip yesterday hurt quite a bit 

P/S: mine is 36% portfolio

Net profit 15% is damn good

I started 36% portfolio in Sep20 after withdrawing my 22% from Mar20.

Now my net unrealised profit is 10.5% which is not bad

what is your risk level bro?

Anytime is a good time to invest only thing you need to look at the money term horizon and your risk appetite to determine what kind of investor you’re

There’s is no right or wrong only strategy that your thinking at which determine what kind investment you’re suitable at

Try baby step before going to major leagues
In fact it is falling to pre Xmas levels when the market was heating up

KWEB been heating up too much already showing 3 cycles of growth which I know a lot are even nervous buying options of KWEB hitting 115 by April which thankfully i didn’t buy in because of the technicals

If your money are still profitable in others why bother about KWEB because there is always room for you to make money anytime in any markets

That's rebalancing not reoptimisation/update. Last update was May 2020.

Just keep depositing money to rebalance GLD back to 20%

i all in stashaway.    just get a credit card with high credit limit and medical card you should be good. nowadays unlikely need huge amount of cash suddenly unless got people kena kidnapped need ransom or relatives want to borrow money from you.

Only you can answer it because now it is in technical correction hence it is shopping time 

If you buying to hedge inflation for long term yes it is long buy and hold nothing more

But if you want to buy because of valuation you have to assess your means before going ahead

Only you can answer the reason why to buy and what strategy you’re employing

In this situation anything above 16 to 30% it is buy but for 36% you have to be careful hence VCA comes in place for that portfolio

Change your risk profile is better because your most holdings will be the same holdings with the exception of IVV sell off to buy more KWEB

36% the difference would be 20% in KWEB which is only 10% holdings in 30% with IVV holding the other 10%

Since this year I been tracking both profiles with the difference in movement only 0.2% to 0.5% returns during volatile selloff

36% if you believe in China Tech then by all means it is fairly valued now at the current price as it 27% off it high at 104.94

what is the SA and affin enchaned deposite return for the YTD? How much different?

ppl discuss Versa n Simple at here....u can flip2.

https://forum.lowyat.net/topic/4962773#
i will say Versa is better between Versa n Simple....
actually not much different, unless u put a few million in it     
which one is better depend on individual though.....some ppl dun mind late a bit to get the money, some ppl priority is time frame to get the money....

ur choices....