quite ashamed to admit this because I unnecessarily check the price changes daily although I don't intend to take action. just syiok see it go up and down.

Speaking in Malaysian timing, you should see an update every afternoon from Tuesday to Saturday. No updates on Sunday and Monday coz NYSE is closed on the weekends. And also no updates if NYSE is on public holiday the day before.

The price updates on the app sometimes as early as 11am and as late as 2pm.

this is quite an interesting way to think! maybe it would help if we referred to the gains in index funds as "Compounding Growth" instead of "Compounding Interest"?

this quora forum talks about it: Quora: Is it possible to compound an investment in an index fund?

I guess "Compound Interest" is maybe more suited for Fixed Income assets like FD, Bonds, Money Market, etc which has a almost guaranteed fixed yearly return. "Compound Growth" would be for something more erratic like stock markets, mutual funds and index funds. They still given compounded returns but some years can give you nothing (or negative!).

When an investment fund quotes an annualized return rate, they always take the compounding rate into account. So say the S&P500 index returns 10% per annum in the last 90 years, it's actually compounded growth of 10% per annum.

Sigh, not sure if this is a case of 'too little, too late'. I don't mind too much the equity reshuffle but damn that's a lot of GLD to hold (20%) in a supposedly aggressive portfolio.

I just hope this reoptimization was done based on careful analysis instead of a panic move because too many ppl pulling out of the fund.

P/S: I'm holding 36% portfolio.

basing off the adjustment done back in August 2019, looks like they're going to sell the obsolete stocks and buy the new ones.

sadz.

yea, to be honest, i would really like to at least hold onto S&P500 (IVV) just coz historically it has always managed to persevere through tough times. So i wasn't too pleased when the readjustment is going to totally let go of IVV and XLK, both containing large portion of tech companies.

Ironically, USA tech (and healthcare) are the two sectors that best weathered this COVID storm. Maybe they think it's all downhill for USA-tech from here on out.

Anyway, this is all just rants from a non-sophisticated investor. We'll see how the experts handle our money.

aw, a little bittersweet to see my VGK, XLV, IVV, XLK, XLE & XLC on the sell order list tonight. Despite my whining, i AM a little excited to see how the new 36% portfolio is going to perform.

part of it is because i still have some USA tech stock and blue chip funds held in other mutual funds. It'll be fun to see how they do versus STASHAWAY in the next few months.

i'm interested to hear why you mentioned XLE (Energy) has a lot of potential long term, haha.

coz i'm in working in the energy industry and i always advise ppl against investing in my sector. it's just so volatile & risky.

some ppl think, "ok wat, high risk means high returns!" but i'd say argue otherwise for the oil and gas sector. it's just high risk, period.

try googling "xle chart" then click "Max" on the chart duration @.@

end of US trading day (18th May 2020). holding 36% risk on StashAway:

sigh, almost all the ETF holdings shot up by 3 - 4% only to be dragged down by GLD

i mean, the reason i wanna hold onto high risk during tough times is so i can monopolize on these sort of unexpected sharp rebounds.

i know i could be wrong tomorrow (GLD could steadily go up but everything else drop 3% pula) but just wanna rant today. stashaway robot better know what it's doing!

whoops came back a few hours later and realised my post created a fuss, haha. ampun everyone.

still plan to continue DCA into StashAway for a while coz quite curious of their much touted ERRA system.

just wanted to rant about the recent allocation switch nia. tak puas hati coz they hold so much gold.

Damn, the recent crash in SPEM, KWEB, AAXJ & VNQI due to [Hong Kong stocks crash on new concern over city's future] is a major bummer.

respect! like you, I'm still fuming over the reallocation to China & Gold.

but unlike you, i'm still yelling to the moon, dun dare to take action.

because of this reallocation, i'm looking into investing directly into the US ETF of my choice but my head almost meletup trying to find the right broker.

MNet, sigh, i actually signed up for eToro and all ready to pump money into it. the very next day it got put into SC blacklist now i've read articles here and there saying that it shouldn't matter. however, the idea of potentially having RM50k sitting in a broker that has been blacklisted by SC.. it's just a recipe for sleepless nights.

so now i'm looking at the TradeStation Global (TSG) option. And i'm stuck at the 'create a Singapore bank account' part. seems like i need a work permit or something to do so? that being said, i'm dragging my heels a bit on this one because it would really kill my DCA aspirations. I intend to DCA RM500 monthly into ETF and if i went with this TSG option, the fees from constantly TT-ing money into SG may end up being quite costly.

i'm at an impasse.

tadashi987

hmmm, you might have just given the final push i need to get this ball rolling!

last question - say i withdraw from TSG and i transfer the money back from SG to MSIA (say via BigPay) is that also about RM5? i asked my friend, he said the fee for him was SGD25 if TT direct from SG to MSIA (bank to bank). he didn't think of using BigPay / Instarem at that time.

aww yis! have been searching high and low for this type of info. THANK YOU!

time to drill this fund and see whether it's worth my time.

i see Syfe's most aggressive portfolio currently holding 70% gold & bonds. however, they did mention they going safe mode for now coz of volatile times. during 'normal' times, their aggressive portfolio would hold 90% equities. By doing so, Syfe is kind of saying that their system can 'time' the market and I'm not to keen on that idea.

StashAway is sort of doing the same in their most aggressive portfolio by recently re-optimizing to hold 20% gold. Again, not a fan of the move but luckily they not as drastic as Syfe. they still hold mostly equity but just shifted focus from USA to Asia to protect from potential USD depreciation.

anyway, just an opinion. sila debate.

My 36% portfolio below so far starting from the re-optimization in Mid May 2020.

Nice to see Gold missing out on all the recovery, haha!


Attached thumbnail(s)

I was down RM500 when i started to track the performance on investing.com website. So overall up RM2,500. Still quite handsome profit ler.

One can only hope this will continue on

RM500 every month since July 2019.

But in the past 3 months during the downturn, I was withdrawing a lot of repayments from P2P and reallocating into StashAway. So I profited a lot on the rebound. TWR at +6% but my MWR way above at +30%, haha.

Anyway, I wasn't intentionally timing the market. I memang fed up with P2P's crappy return and made the decision to shift out all the repayments to StashAway ASAP. Ngam ngam market crash pula, haha.

Woah damn, look at S&P500 index go!!

Link: Dow surges 900 points retakes 27,000 as May jobs report shows 'mind-blowing' 2.5 million increase in payrolls and unemployment falls

still a hater of the Asia + Gold reallocation to my 36% portfolio. but anyway, no use crying over spilt milk. not say i can do anything about it.

just enjoy whatever gains i can get ler, whatever the amount

see below for this week's performance of the 36% portfolio ETFs.

This post has been edited by encikbuta: Jun 6 2020, 07:03 AM


Attached thumbnail(s)