Bogleheads Local Chapter [Malaysia Edisi]
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 Jul 11 2024, 05:06 PM
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#1
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Senior Member
1,362 posts Joined: Sep 2013 
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QUOTE(TOS @ Jul 10 2024, 04:38 PM) This thread is almost dead. Let's revive it. Thread is not sexy.  It is for sad people like me who can’t out perform the market so have no choice just buy everything good or bad then pray can get 10% gain over 30 years. ASoulNamedLeo liked this post
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May 11 2025, 08:52 AM
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#2
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Senior Member
1,362 posts Joined: Sep 2013
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QUOTE(alexkos @ May 10 2025, 09:29 AM) Got 10-15 minutes to spare? Fill a Google Form investing survey and stand a chance to win Grab voucher Done  But I don’t have active income and your form assumes everyone is still working. |
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May 12 2025, 11:45 AM
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#3
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Senior Member
1,362 posts Joined: Sep 2013
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QUOTE(alexkos @ May 11 2025, 09:55 AM) 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. 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. 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? 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. |
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