Hi, newb here.

May I ask everyone here have different portfolios on different risk index? Or do you only invest in just 1 risk index portfolio?

And which risk index do you recommend putting in? I putting in 20% because it has lower corp bond compared to the other lower risk index.

Again, I am really a novice in investing so seeking a little advise from various sifus here.

Ah yes, your kind of reply is what I am looking for. Outlook for each portfolio. I have just put in 1k in 20% just to learn how it works. I think I will deposit more into the 20% then only start considering opening another risk index portfolio.

thanks for your reply. I am studying more about it. THank you.

I think you mean all. Got what investment is confirm profit 1? Even in FD it can't profit over inflation.

Everyone needs to know that nothing is sure-profit, ESPECIALLY in investment. If anyone told you it's sure-profit, I'm sure it's a scam.

Coincidentally I have also watched a vid of him providing 2 cents about SA. IMO, I do not think he "fears" SA, but he just states some caveat to address some misconception many people have about SA. There are articles about SA being "revolutionary", "banks should be scared" this and that. He is addressing to those who think SA is a very good platform to invest, and you know about so many people who think, wow SA so good thus low or no risk at all - which is the misconception ppl have, in evidence the cases he quoted in the article. People just tend to over-glorify SA.

In his conclusion, "The A.I. however, won’t guarantee, in any form or way, investors, the capability to beat the market day after day after day."

Of course not! Even the "God" of investment, Warren Buffet, can't beat the market sometimes. LOL. His statement although a big no-brainer, but people still need to be told that. Esp Malaysians. So many Malaysians generally invest in stocks using emotions than head. That is very dangerous.

So, people just need to know, all investment carry risk, and NO way an investment can guarantee you anything. Study, do research.

Many people chose SA is because it offers fuss-free investment and we do not need to do our own research on which funds to invest in. Or when we have so little to invest with surely we can't use a real fund manager.

I do not think SA would hurt his bottom line much because people who can afford a fund manager might not even consider SA - like youngsters who just started working.

Robo-advisor is just like our fund managers, heck, SA people ARE fund managers in a way. Not too big of a difference.

In the end, he is right. There are so many "influencers" who just promote for the sake of money, sadly alot of people buy into their words. So I just take CF Lieu's as advice and caveat. His sharings are actually very good and at least he has experience hands-on, compared to those influencers promoting SA.


https://www.youtube.com/watch?v=WSt37Lpiitc

This post has been edited by chiangth: Jul 6 2020, 04:48 PM

remember the first day on optimization everyone was like fuk this SAMY lol. now when earn money all silent < damn real

https://www.nst.com.my/business/2020/07/606...-negara-meeting

My reserve have just locked into Alliance FD for 2.1% for 1 year......... LOL.

Projected return. My FD i dont intend to touch 1. that is my last resort emergency fund. So, put in bank for safe keeping.

It seems the market is highly volatile now. China's performance is ridiculous... seems a little dangerous.

I think alot (irrational) retail investors just dumping in money, regardless China, US or local.

Initiated transfer from Simple to portfolio Monday noon. Friday noon, today, officially transferred.

About 4 working days.

I moved my money from Simple to 36% porfolio. maybe portfolio can get higher returns.

yeah, i am aware of that. but....i am curious how much is Simple giving for the past few months.

Yes, performance since June. Just to have a benchmark. I know SA is not for fast returns.

Hi guys, I have 2 portfolios - 20% and 36

Both have China-Tech but why the return is different? If porfolio investing in the same index, shouldn't the return be the same %?




I apologise if this is a noob question. Started barely 2 months.

Thank you very much.

This advice is correct. Many fresh grads I know often overlook the importance of insurance and medical cards. There are many insurance products which are invetment-linked. I would recommend getting a good insurance package or ILP, then only invest if there is still extra fund.

Yes, what you said is spot on. What these people do not realise is that corporate insurances have limited coverage. Even if they know that, almost all of them did not even bother finding out what's covered and what's not. When the need arises and they found out it's not covered or only partially-covered, they will complain why company did not cover this and that. I am in HR so I know very well situations like this happens often. In fact, just encountered 1 last week. LOL.

If that is the case then I sincerely hope you will not encounter any issues which are not covered.

The reason I recommend getting insurance first (ILP or not) is while it's not exactly a tool to generate money, it's more of a tool to save money when a problem arises. It happened to me a few times which I have to be hospitalised and at that time i was only wokring for a small company with no insurance coverage. I had just started work barely 2 years and I could not afford the hospitalisation and medical bill. Luckily my father had a few policies for me since young. I saved about 8k that 1 time.

Anyway, to each their own i guess.

This post has been edited by chiangth: Aug 6 2020, 03:08 PM

I see. I stand corrected then. I will also need to review my policies.

Hi. I'm sorry if anyone have asked this before. But where is your screenshot from? Where can I see something like that?

What to do now:
1. Delete app
2. Continue DCA
3. Close eyes