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 Bogleheads Local Chapter [Malaysia Edisi]

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AthrunIJ
post Apr 27 2022, 10:33 AM

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Waiting for fund to buy in again. Sea of red this few weeks

Liquidated my SA to go full DIY

🤤

This post has been edited by AthrunIJ: Apr 27 2022, 10:33 AM
AthrunIJ
post Apr 28 2022, 08:00 AM

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QUOTE(Cubalagi @ Apr 28 2022, 07:54 AM)
What will.u be buying for your DIY portfolio?
*
VWRA sort of growth stock and some REITs in Singapore as dividend stock.

Probably 2vwra to 1 Singapore REITs for now as monthly funds and forex is not very good at the moment.

After maybe when i achieved about 10k sgd of REIT then I will add/rotate to Singapore bank as dividend stock also.

All in all VWRA as growth and Singapore stocks as dividends stock for now. I still love my dividend stocks 🤤

By end of this year's I would probably also sell some local burse portfolio and continue to pump into above stocks. 😆

At least do not need to pay fees and can keeps most of the dividends.
🤤

Not sure if there is some comment regarding SA simple vs any other FD, MMF or bond that can be added in as diversification.👀

Do you have any comments?

This post has been edited by AthrunIJ: Apr 28 2022, 08:13 AM
AthrunIJ
post Apr 28 2022, 10:44 AM

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QUOTE(Davidtcf @ Apr 28 2022, 10:38 AM)
Up to 10% of your portfolio can put into Stablecoins to earn 15-20% APY. If got guts can try Anchor Protocol for 19.5% (myself I'm using USDC in Finblox for 15%). Our latest discussions here: https://forum.lowyat.net/topic/5263492/+30

As to gambling in Bitcoin or other cryptos, I would suggest short term trade. Right now don't see them shooting up like last time. Or can avoid this altogether and just focus on stablecoins. IMO USDC is the safest due to tied to real USD and treasuries. I have less trust on algorithmic stablecoins like UST (Anchor).
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Block chain tech I will invest in.

Coins on the other hand nope until there is some regulations. But thanks for the info 👍
AthrunIJ
post May 10 2022, 07:25 AM

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Keep calm and keep on DCA.

Now to slowly save up fund for the next buy. 🤤

Discount everywhere yet no fund currently...
AthrunIJ
post May 11 2022, 09:11 PM

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Hmm wondering.

MMF is like a stock where you can buy and trade right. Is there an ETF of MMF?
As in the low risk and low return to park money?
AthrunIJ
post May 11 2022, 11:05 PM

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QUOTE(Medufsaid @ May 11 2022, 11:01 PM)
yup https://www.investopedia.com/articles/etfs-...16-shv-near.asp
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Interesting.

Wondering if it has an Irish counterpart. Time to look further 👀
AthrunIJ
post May 12 2022, 08:04 AM

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QUOTE(Cubalagi @ May 12 2022, 07:59 AM)
The witholding tax on dividends for US ETF is a problem. It applies to even bond and money market ETFs.

Personally I use Singapore government bond ETF (abfsg) as an alternative to US Treasuries. There are also Money Market ETFs in SGX and HK.
*
Also interesting. Will look into it.

Thanks!!
AthrunIJ
post May 12 2022, 08:56 AM

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QUOTE(Cubalagi @ May 12 2022, 08:21 AM)
You can also look at UUP ETF as another alternative for USD exposure.

This is not a Money Market ETF, but rather a Futures Contracts based ETF. So it has no distribution. Fees are on a high side, but it performance is good.

P/S I will be a bit cautious to start piling into USD now, considering it's at such high levels.
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Yeah, for now. I have USD based ETF and SGD reits.

I need to read up more on the future contracts. Seems like risky investment? Based on my limited understanding haha.

Thanks for the info. Time to put some moolah in MMF other than MYR😆
AthrunIJ
post May 12 2022, 12:49 PM

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QUOTE(Hoshiyuu @ May 12 2022, 12:40 PM)
Sweet unholy god what is all this perverted talk in a Bogleheads thread?
*
😆
Worry not still within boglehead topic of looking for MMF 😆
AthrunIJ
post May 13 2022, 10:09 AM

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QUOTE(Cubalagi @ May 12 2022, 05:29 PM)
Good to know u have embraced ETFs!  The total market thing is a respectable approach. Historically, pretty hard to beat.

If u r 100% equities, you have to learn to live with the volatility tho.

I'm still using both single stocks n ETFs (and some unit trust), jump around between asset classes, sectors etc..very UnBoglehead.

Current allocation* is:
35% Treasuries
20% Currencies
10% Gold
35% Equities

* Approximate
*
I too can considered as unboglehead haha

100% equities now and with REIT and bank sectors.

Planned to add some to MMF soon.
AthrunIJ
post May 13 2022, 02:03 PM

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QUOTE(thkent91 @ May 13 2022, 02:00 PM)
Count me in.

I'm also onboard ETF via Rakuten Trade.

Started Investing in Bursa since 2012, although return has been nice, I am beginning to lose hope in Malaysia Economy

Loading the few ETF into my portfolio slowly:
1. ICLN Nasdaq
2. LIT Nasdaq
3. HYDR Nasdaq
4. TAN Nasdaq
5. 2809.HK

I'm going heavy on alternative energy, because the price of energy will not drop so soon. Everybody needs energy. Oil and Gas difficult to get funding from financial institution leads to higher price of production
*
Welcome and all Ze best in our investment journey

🤤
AthrunIJ
post May 13 2022, 02:50 PM

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QUOTE(Ancient-XinG- @ May 13 2022, 02:48 PM)
I will slowly load up.

Every 10 share of VWRA, every 2 share of BRK B
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Wow, nice.

I can only load up 5 VWRA at current pricing.
AthrunIJ
post Jun 1 2022, 09:24 PM

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QUOTE(Hoshiyuu @ Jun 1 2022, 07:23 PM)
Well, I'm investing in total market by market weight, so my Malaysian stocks allocation is done via VWRA and my portfolio consist of 0.2% of it, and I refuse to have a cent more than needed in Malaysian stocks.

Over the past two years I've been cutting out random investment that I've picked up in my misguided days or when I lacked access to a good broker, instead of just letting them rot there and pay pointless fees. But I can perfectly understand the sentiment of "just let it sit, it's not a loss until I realized it" though. That can be a purely personal choice and you shouldn't worry too much about it.

As for IBKR... well, let's just say I trust in IBKR and all its auditing firms far and beyond I trust SC.
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Same as me. Haha

Once go through the hassle of registering for wise and IBKR then everything is a breeze. Open and transfer during salary day, buy stocks and close app. Rinse and repeat until well old age I guess if I am lucky to survive till then.

For now aiming to live comfortably. 🤤👀

Now just waiting for my other Malaysia stock reach ex date then sell and add on more VWRA and so e other blue chips to supplement USA ETF .

This post has been edited by AthrunIJ: Jun 1 2022, 09:25 PM
AthrunIJ
post Jun 14 2022, 08:45 PM

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QUOTE(RayleighH @ Jun 14 2022, 05:14 PM)
Just so you know, transferring into USD is the only one which is relatively more complicated, where you are advised to open a bank account in Singapore. Transferring into other European currencies (EURO or GBP) is rather straight forward. No need to go through Singapore bank account. Just direct from your bank account to IBKR using Wise/Instarem to convert.

In fact, some mentioned that they were able to transfer into USD directly from their local bank through Wise. Maybe this is a new development. [email=Lon3Rang3r00]Lon3Rang3r00[/email]

For withdrawal, some guides mention that you can withdraw directly from ibkr to your local banks. However, I've not gotten into the details of the fees and if it's applicable to all banks in Malaysia. Perhaps there is a catch where the forex rate will not be as good as Wise but I'll have to do more research.
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Yep, from local bank direct to ibkr through wise is possible. Been doing that since I had wise and ibkr.

It is called direct ach. Takes a day to complete the transfer but which is fine for me since it is safe so far.
AthrunIJ
post Jun 17 2022, 07:29 AM

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QUOTE(reddevil @ Jun 17 2022, 12:44 AM)
Hi, any minimum and maximum amount to use direct ach from wise?
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Don't think have minimum. But maximum seems like RM20k as per bank negara guidelines. But I was able to send more than RM20k per day which is odd.

Edit

After transferring some money
Min is RM10
Max is RM30k per day as per Bank negara rule

This post has been edited by AthrunIJ: Jun 17 2022, 04:46 PM
AthrunIJ
post Jun 17 2022, 04:45 PM

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QUOTE(reddevil @ Jun 17 2022, 04:44 PM)
Did you send direct or deposit into usd account first? May be send direct somehow skipped the 20k limit?
*
Actually let me edit it lol.

Min is RM10
Max is RM30k per day as per bank negara rules

This post has been edited by AthrunIJ: Jun 17 2022, 04:46 PM
AthrunIJ
post Mar 29 2023, 08:49 AM

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Highest peak was +USD1.3k, lowest peak was -USD3k

Now hovering break even point.

HODL!!!! and DCA.

50 50 between VWRA and MIT and MLT.

This post has been edited by AthrunIJ: Mar 29 2023, 08:50 AM
AthrunIJ
post Mar 29 2023, 10:22 PM

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QUOTE(Hoshiyuu @ Mar 29 2023, 09:41 PM)
That's rather high tilt into sector-specific, region-specfic reits, do you mind sharing your thought process behind your allocation? What's your investment horizon?
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I just love reits for the dividends and the ETF for growth.

Why Singapore? Very little land so the value should increase overtime. Though with current sudden rental rate hike, it might backfire abit so monitoring abit...

That high tilt in the negative was because of the interest rate scare for the reit so it tumbles and I did buy during the drop. So when it atablize upward. It got back to a nice greenish colour.

I noticed the reits increase during covid and stabalize rather quickly and also my experience in Mreit before so not too worried in the long run.

With online purchasing getting traction, factory, ware houses will be in demand.
As for data centers, we are in the data age. I am in the tech sector so I bet on it. 😛 Trying to dig around if data centres will retrofit for AI stuffs so even better valuation in my opinion.

I am in it for the long run, min 8 years. So HODL AND DCA!!! I am still a young uncle 😭. Time is on my side 😛

This post has been edited by AthrunIJ: Mar 29 2023, 10:26 PM
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