quite normal. i know of someone who's FIRE... living in KL but his monies are all in SGD. he retired decades ago

This post has been edited by Medufsaid: Feb 15 2022, 02:44 PM

for irish domiciled ETFs, the normal trading hours follows British working hours time?

yea... $338.69 * 100 * RM4.25 is only RM143,943.25. i know it takes a long time to even save that much, but it's not much. can't even retire or anything. the risk premium you collect from covered calls won't be taxed

This post has been edited by Medufsaid: Apr 19 2022, 11:08 AM

i learnt from

since this question is crossposted here, would this answer suffice? all welcomed to provide feedback
This post has been edited by Medufsaid: Apr 19 2022, 04:46 PM

if every DCA bullet is RM1,500, the transaction cost is 1% of your bullet. if you are able to allocate RM3k per DCA bullet, the cost is 0.5%

This post has been edited by Medufsaid: Apr 19 2022, 05:26 PM

ben felix says that when you buy an ETF, buy the general ETF and not industry specific ones. don't try to pick and choose. dominos actually outperformed all the other tech stocks

should be this video, sorry i've no time to double check. his videos are worth checking anyway

This post has been edited by Medufsaid: May 2 2022, 07:42 PM

so i guess the dot com crash made it underperform for many years.

yup https://www.investopedia.com/articles/etfs-...16-shv-near.asp

oooh UUP is familiar. KDI uses it (may be outdated as it seems like they change ETF more often than SA)

sigh probably off-topic but here goes.

actually, since you've money in the Public Mutual eco-system (and already paid the hefty 3.5% entrance fee per ringgit), it has more options than a robo like say StashAway. you can easily switch to a US unit trust without needing to convert your RM into USD, since you are just buying UT units denominated in RM. during my time, the fee to switch is RM25 regardless of transaction amount

there are also Far East or even ASEAN based UT. no need to worry of reconverting from USD to HKD/SGD etc... all denominated in RM

This post has been edited by Medufsaid: Jun 1 2022, 07:59 PM

since 2009, the KLCI index has been revamped to only have 30 companies. the only official successor to the original index (maybe want to follow dow jones). this new index is the one that Edge and thestar refers to.

There's a top 100 (a combination of FBMKLCI and Mid 70) but hardly anyone knows it exists

This post has been edited by Medufsaid: Jun 3 2022, 10:21 AM

sometimes the pro and cons are not so clear cut. for example, yesterday US markets rallied, however if you stuck to only Irish Domiciled etfs, you are unable to topup more units on the spot as LSE had a public holiday. chasing today when Irish Domiciled starts trading later is too late

my stand could change if Irish domiciled can give me 0% tax instead of still a 15% rate

This post has been edited by Medufsaid: Jun 3 2022, 10:33 AM

it depends on what bogleheads is to you. is it a strict religion with the death penalty for apostasy, or is it the foundation of your final investment strategy.

e.g., you have regular DCA intervals (HODL) and some warchest funds to topup in case of a dip

This post has been edited by Medufsaid: Jun 3 2022, 12:55 PM

being stuck in Rakuten could end up a blessing. at anytime some RSP plan killer might set up shop locally

This post has been edited by Medufsaid: Jun 13 2022, 02:44 PM

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This post has been edited by Medufsaid: Jul 10 2024, 05:39 PM

terriblyrawtea can follow this strategy. This is my calculation if you do monthly RM1k DCA into s&p500

terriblyrawtea they reported more expensive fees as it's listed in Switzerland. you may try to route it through LSE in IBKR workstation

and actually, someone found out that CSPX underperforms IVV. so it might be better to just invest in usa-domiciled ETF despite the extra WHT https://portfolioslab.com/tools/stock-comparison/CSPX.L/IVV. my initial idea was that both will perform equally, now it seems like penny wise pound foolish to save 0.19% annually in WHT when IVV outperforms more than that

This post has been edited by Medufsaid: Sep 3 2024, 01:04 PM

leo2010 S&P500 annual dividend is roughly 1.5%. that's 0.19-0.225% of gap.

IVV 19.39% vs CSPX 17.85% is 1.54% difference. that cannot be explained away by the extra 0.19-0.225% WHT

https://www.reddit.com/r/dividends/comments...valent_to_schd/ ok to try out LSE etf? VHYL