Currently on 18%, I am fresh grad. Previously was on 36% but then from the graph the potential return growth tapers off after 18-20%.

Uh if the pix doesn't show properly, or I sux at interwebbingz, just clickity the little button on the bottom right of the quote.

Or you can just read through the last 10 or so pages for some results posted by other people.

They just wrote a blog post.

i got mine recommended 36%

they just published 2 year record. take a look if you still have some doubt

True in theory but we humans are emotional creatures. I for one would be anxious if the numbers start dropping significantly over a period of time. I would rather take a lower risk so I could sleep better at night. It all depends on your risk appetite.

A lot of us invest RM250 a week, how does that work with IBKR?

currently my risk is 14%...possible to increase the risk for my next coming fund?

Reply from StashAway:

Our management fee ranges from 0.2%-0.8% per annum. It is charged monthly, on a pro rata basis, on the average Assets under Management (AUM) of that month. Kindly note that the average AUM also includes any returns made on the portfolio. This fee includes the cost of executing the ETF transactions, rebalancing your portfolio and changing your asset mix when economic conditions change (re-optimization). There is no additional brokerage/ transaction fee or any other fee.

Please note that ETFs charge, on average, an expense ratio of 0.15%-0.25%. This is charged over the course of the year in the form of adjustments to the Net Asset Value. This is not an actual cash flow borne by you. It is offset by the EFT funds before distributing the returns back to you. This expense ratio is incurred regardless of what platform you use to purchase ETFs.

There is also a currency conversion fee of 0.1% on the spot rate charged by our broker. This fee is much lower than what you will get with most banks on the street. Also, just to share, 0.1% is 0.001. If you watch the way currencies move in any given day, it will probably move by more than that in any given day.

Besides those, there are no other charges charged to you. Hope this clarifies

so... if there's a downfall of US stocks.... many of here not gonna be happy because of overwhelmed few months of happiness..

some new promotion or voucher?

Whatever gains from MyTheo completely wiped and in negative region now haha.

SA still holding on.

Wahed not really affected. Thank goodness. Because Malaysia markets nothing much to wipe anymore lol

Currently my Wahed accounts gains already close to 9% and SA almost got wiped due to coronavirus outbreak. MyTheo also in negative region now. That's the volatily you have to expect when you invest in overseas and in USD.

Wahed also invest in much lesser funds, only 4 at the moment compared to huge baskets compared to SA and MyTheo. Although investing in many baskets seem to dilute the risk when shit happens but when shit hits everybody the losses are even greater lol.

But for long time it's still always better to diversify, holding MYR and USD stuff. In my noob opinion based on observation on my own accounts.

Well Wahed minimum investment is RM100, if got spare cash can throw also

started investing on 2nd November.

this one can just DCA and forget lah. for spare cash. then you won't have temptation buy unnecessary stuff

talking about KGF....read somewhere that they started adding M'sia Banking stocks into their portfolio last year.....unlike previously.
seems like KGF series 2 is taking the previous mandate...
do check it out if you want....

so it is actually better to DCA even though there are more cost such as sales charge and etc in the long run?

Not everyone started smoothly in their investment lol gotta start somewhere and learn from mistake.

I have never invested in UT before but I'm planning to, however I don't quite understand the impact of sales charge if you put a lump sum vs DCA.

Scenario 1 :
Putting in 10k lump sum with 1.75% sales charge.
Total sales charge paid = RM175

Scenario 2 :
DCA 10k in 10 months with 1.75% sales charge.
One month sales charge paid = 1.75% of 1k = 17.50
After ten months, total sales charges paid = RM175

Hence, it doesn't matter whether you lump sum or DCA, in the end the sales charges paid are the same. Of course, annual management fees would be different in two of those scenarios.

Can someone tell me if I'm wrong or right?