Not a pure boglehead, but have substantial holding of VXUS and some in VWRA too.

Since bogleheads mostly recommend the 3 fund portfolio, there really isn't much to talk about.

So instead, we find cheap brokers and cheapest way to move monies around can?

IBKR macam winning.

But I opened Futu Moomoo and CIMB Prosperus, too lazy to switch after that.

I like Futu a lot, very friendly to use.

Bcoz only in MY SG HK, dividends are kings. In US, they play the game of capital gains.

I can't speak for everyone, and frankly I am not THAT much of a boglehead having only 15% of net worth in VWRA + VXUS.

ASNB and EPF are nono for me bcoz they are not free-floating, there are some serious downsides:

1. You don't get to fully profit from stock markets going up. Some of the gains are reduced somewhere so that dividends can be paid out during the down years.

2. Ringgit concentration risk, neither of this protects against an improbable but devastating hyperinflation event.

3. Fixed risks for everyone, not good for young ppl who should have more exposure in more volatile assets like equities.