Done
But I don’t have active income and your form assumes everyone is still working.

yes i've been thinking how income (or maintaining a stable income) can have direct effect toward asset allocation (AA), as well as how should one stay invested in the market. For retiree, income matters lesser as net worth takes care of it.

too bad most economic theory has this smooth assumption that one will stay productive in the workforce from 25 to 65, and this assumption breeds unrealistic economic policy. Just look at our 35 year house loan

which prompts me to a question: how do the Bogleheads stay invested in periods of great uncertainty when both equity selldown meets unemployment, and that one needs to tap into more emergency fund when most investments are underwater?

This post has been edited by alexkos: May 11 2025, 09:56 AM

Malaysians have EPF which acts as a bond. Use it. Having 30 years of emergency fund gives stability and having zero debt and paid off house helps. I live on dividends from ETFs and rent so volatility doesn’t matter. Key is asset diversification.

Risk is the difference here. I and retired. I have no active income. Therefore I have no ability to take risk. And since I have enough, there is no need to take risk.

Need to have an allocation to riskless asset which can be drawn down if necessary. If before retire could be FD, Asx. After retired can be epf.

alright, so it's like 5 years of living expense as FD. Because this is different from the usual 3-6mo emergency fund. Something like that?

Depends on age, risk profile etc. and ones asset allocation.

U need cash since you dont want to be selling your risk assets in a recession to fund your expenses. Ideally u want to be buying risk assets at that time.

If 55 and beyond, EPF is there and as good as cash.

sp500 is at all time high (again )

anytime thinking to bail and cash out?

bogleheads ma~ just chilling...

my investment horizon easily 20 more years away, cash out now more likely to lose money in the long run anyway ^^

hi im looking to join the boglehead community ty

you're already here

it's getting quiet here because passive investors, you know la, no need to watch market 24/7

ultra special limited time paid research survey (study led by yours truly) for MY passive investors only


together we will make S&P 500 huat again

wao how much for lifetime subscription.. actually I wanted to join a chat group haha

hehe, i've been wanting to have a "local chapter" for our bolehland, like how it's encouraged by the Bogleheads.

But it appears that most passive investors are really passive until.... hehe

anyway thank you for expressing your interest

maybe you can share your journey on how you get to know about Bogleheads, and how does your investing philosophy looks like / changed over the years

I am a mushroom begineer only but I just want some kind of guidance and some insights.
i go low risk for now like asm and epf

Take a look at Little Book Of Common Sense Investing by John Bogle. Books is a great way to learn.