When you start to question yourself it means you have the answer you should not go for investment Aggressive Mode. For me I am like you many years ago and it make sense since I am young working and starting family so every dollar and cents is hard-earned cannot go into aggressive mode. Now going towards retirement mode, with more monies saved I can take some risk and put some capital into aggressive mode. After-all my own govt has CPF aka Msia EPF as my backup.

Aggressive portfolio?

38.4 % of the fund allocated to SHV……wow!!. I felt kenanga like to concentrate their investment on certain asset rather than adopting the diversification approach

Balanced portfolio, just 3K depo to save the fees (actually not sure if I should depo 3k or 2999)

I'm just testing water since it's a new instrument. The money that I put at KDI-Invest Aggressive Mode is less than 1% of my KDI portfolios.
Let's say I DCA-ing until RM3000 (for 0 management fees), it's not going to make me poor or rich, depending on its performance. It's just a means of portfolio diversification for newbie like me.

Sorry I misread becuz in your earlier post you ask should I DCA then latest you say testing water. That means before you ask should DCA your mind is made up to test water am I correct?

That means if your current value rise >RM3000 they also won't charge you right?

Posting my Aggressive portfolio for comparison (April statement), it seems like the biggest difference is SHV followed by GLD only..



Yup, I am just testing water to see if I wanna DCA until an amount that im comfortable to lose.

Yeah, so my depo amount is ngam or not? If it rises, does it calculate into "invested" amount or "profit" which is tracked separately?

Any comments on the US ETFs and when will it rebound? My counters are all red. Jesus not sure should DCA or not

how can anyone know it i wonder.......perhaps you ask Ramjade see he is buying or not.

Why need to ask if I am buying? Of course I am buying. I love red market and the redder it is, the better. Because I can buy more stuff at a cheap price.

Never fear a red market.

This post has been edited by Ramjade: May 2 2022, 10:27 PM

If it rises near to 3k then transfer some to KDI save or withdraw. That will avoid the management fee.

I also prefer balance. Right now market red yet it didn’t go down too much.

This post has been edited by Davidtcf: May 2 2022, 10:17 PM

IBKR offer fractional shares so if worry capital huge can use this feature to buy a bit after all 35 cents fee per trade is easily affordable. GOOGL TSLA news on 20-1 split so many ppl buying I think

I know right? I'm at least 25 years away from my horizon, I was worrying I would spend the first decade buying into the unrelenting US bull and have sequence of return slap me in the face when i want to retire early.

Never stopped buying every month. Invested all my windfalls, no regrets.

This post has been edited by Hoshiyuu: May 3 2022, 01:25 AM

he was jesus unsure
need people to allay his fear.
who else better to ask
if not u who loves the beer

Its kind of weird my aggresive portfolio has GLD (gold) 21% and EWZ (Brasil ETF) 19% now as at 30.4.22.Thats nt what i want. At first place they have international equity of 70++ and now become like 30%..hmmm anyone experience the same

My aggressive portfolio. Cost 2.5k.

Precisely. But I believed we have another or two leg down some more unless fed chooses the easy way and kick the can down the road instead of doing what is right.

If you have no use for money in the near future, and things are on discount buy. Never fear when your portfolio is going down or a red market. Is just opportunity to pick up things on the cheap Wealth is made in a red market not in a green market.
Red market is a transfer of wealth from weak hands/paper hands to those with diamond hands.
I am poor guy. Wrong person to ask.

This post has been edited by Ramjade: May 3 2022, 07:48 AM

so there's no way to tell when KDI bought/sell ETFs? you only know the % from beginning of month & end of it

Just parking a bit in KDI invest for easy withdrawal.

Wanna have some money closer to me. IBKR one I will not touch for many years to come.