Thinking of diversifying investments with more aggressive outlook, suggestions?

[Nandemoninja]

Have some cash with has been parked with a wealth management firm for a few years now, they give 4-6% P.A which is decent but not great. Have recently been thinking about higher-risk investments and/or diversifying my own portfolio.

Have been experimenting a bit with crowdfunding/P2P lending via Moolahsense and CapitaMatch, so far so good. Was initially a bit concerned with lack of MAS endorsement for the former but seems to have done ok so far. P.A is definitely higher.

Also thinking at this point that I should take out some of my money from my wealth management firm and invest it into ETFs on my own - I'm seeing 8-9% P.A on some of the more stable ones, which once again is better than what I get currently.

Any ideas or suggestions?

 

[wahkao3]

Go for anything that's low risk and high return

for example, this is how i do it.

================================================
There are 800 companies on SGX. You as an investor have the option to cherry pick the very best of the best.

Imagine you are a big boss and you need to hire 1 employee. Imagine 800 people send resume to you asking for the job. You have the option to cherry pick from the 800. Chance of landing up with a good employee is high. Same for stock. 800 of them are vying for your money. Research all 800 of them and pick the best. Settle for nothing less. Chance of you choosing a winner is high.

 

[Nandemoninja]

Easy to say but hard to do

I don't really have the time to go research all 800 companies on SGX! Surely there are other options?

 

[Shiny Things]

Easy to say but hard to do

I don't really have the time to go research all 800 companies on SGX! Surely there are other options?

He doesn't actually do that - he just copy-pastes it everywhere and says it's a good idea, but he doesn't actually do anything about it.

You might want to be a little cautious. There's no such thing as a "stable" 8-9% return in ETFs - that sort of return always comes with some risk.

 

[wondrdoggie]

Have some cash with has been parked with a wealth management firm for a few years now, they give 4-6% P.A which is decent but not great. Have recently been thinking about higher-risk investments and/or diversifying my own portfolio.

Have been experimenting a bit with crowdfunding/P2P lending via Moolahsense and CapitaMatch, so far so good. Was initially a bit concerned with lack of MAS endorsement for the former but seems to have done ok so far. P.A is definitely higher.

Also thinking at this point that I should take out some of my money from my wealth management firm and invest it into ETFs on my own - I'm seeing 8-9% P.A on some of the more stable ones, which once again is better than what I get currently.

Any ideas or suggestions?

If you can get 4-5% pa over the last few years, it's already pretty good.

 

[V_for_Vanilla]

Got ETF with 8-9% return?

 

[genie47]

Got ETF with 8-9% return?

You can dream. Temasek Holdings just released their financial data. If you read it carefully, their rolling returns are around 6% which isn't great. Yes read it carefully. You will come to realize that they are not the investment "gods" everyone makes them out to be.

For all their efforts, putting our money into a broad market ETF would have sufficed. I'd be happy with 6% for minimal effort from a broad market ETF.

 

[wahkao3]

He doesn't actually do that - he just copy-pastes it everywhere and says it's a good idea, but he doesn't actually do anything about it. .

come on, its a good idea. Even you yourself said it!

wherther i copy paste it or not is irrelevant.

 

[OngHuatHuat]

Broad market etf currently most likely give you negative return

You can dream. Temasek Holdings just released their financial data. If you read it carefully, their rolling returns are around 6% which isn't great. Yes read it carefully. You will come to realize that they are not the investment "gods" everyone makes them out to be.

For all their efforts, putting our money into a broad market ETF would have sufficed. I'd be happy with 6% for minimal effort from a broad market ETF.

 

[Nandemoninja]

A friend of mine showed me an ETF which had 8-9%...was tracked off the S and P. I can't remember what it was at the moment.

I'm aware that 4-6% is not bad, but just thinking I could do better. Searching for potential other investments.

Same friend of mine also suggested I learn about covered calls and other finance stuff...not sure I want to do that though.

 

[terryhoho]

To invest in to toto. roll the winning in to toto too . toto strategy.

 

[V_for_Vanilla]

You can dream. Temasek Holdings just released their financial data. If you read it carefully, their rolling returns are around 6% which isn't great. Yes read it carefully. You will come to realize that they are not the investment "gods" everyone makes them out to be.

For all their efforts, putting our money into a broad market ETF would have sufficed. I'd be happy with 6% for minimal effort from a broad market ETF.

I hardly think they are investment "gods". Where does that perception come from? No one I know think they are adept at investing.

 

[unhinged_loon]

I hardly think they are investment "gods". Where does that perception come from? No one I know think they are adept at investing.

Quoted for truth. Then again, their luck ran out after 2009...

 

[wondrdoggie]

A friend of mine showed me an ETF which had 8-9%...was tracked off the S and P. I can't remember what it was at the moment.

I'm aware that 4-6% is not bad, but just thinking I could do better. Searching for potential other investments.

Same friend of mine also suggested I learn about covered calls and other finance stuff...not sure I want to do that though.

If you want to try alternative products that may give higher returns, your risk tolerance must be high. I do covered calls sometimes but the yield is not high at about 2-3%. Certain elns/fcns give me about 12-15% but you got to be ready to pick up the stocks if they strike. And they are short term from 1-6 months.

Another product class that gives me higher returns is PE funds like L Capital, Silverlake. Eg, I have silverlake IV whose current IRR is 38%, these usually average around 18% pa but you lock in your funds for 10-15 years and you need to buy via a private bank.

I would be curious to know which ETF yields 8%

 

[IronMac]

You can dream. Temasek Holdings just released their financial data. If you read it carefully, their rolling returns are around 6% which isn't great. Yes read it carefully.

I was shocked at how low their returns have been. I usually associate big name sovereign pension funds with doing pretty well.

What's interesting is their reaction. They are now moving out of their comfort zone and spreading their money into areas such as tech and so on. It's gonna be hilarious as the volatility on their returns (such as it may be) shoots up.

P.S. I'd work for them for free just to have their name in my resume but not sure if they can stomach the eye rolling. Haha

 

[Perisher]

I was shocked at how low their returns have been. I usually associate big name sovereign pension funds with doing pretty well.

What's interesting is their reaction. They are now moving out of their comfort zone and spreading their money into areas such as tech and so on. It's gonna be hilarious as the volatility on their returns (such as it may be) shoots up.

P.S. I'd work for them for free just to have their name in my resume but not sure if they can stomach the eye rolling. Haha

Tiagong some SWF once you are in, even lose heavily on some investment also won't chase you out.

 

[OngHuatHuat]

Only say that if you can outperform the market while holding a lot of stocks that have close to zero growth but are forced to hold them due to strategic need for the country.

I was shocked at how low their returns have been. I usually associate big name sovereign pension funds with doing pretty well.

What's interesting is their reaction. They are now moving out of their comfort zone and spreading their money into areas such as tech and so on. It's gonna be hilarious as the volatility on their returns (such as it may be) shoots up.

P.S. I'd work for them for free just to have their name in my resume but not sure if they can stomach the eye rolling. Haha

 

[PostCountWarrior[+1]]

Have some cash with has been parked with a wealth management firm for a few years now, they give 4-6% P.A which is decent but not great. Have recently been thinking about higher-risk investments and/or diversifying my own portfolio.

Have been experimenting a bit with crowdfunding/P2P lending via Moolahsense and CapitaMatch, so far so good. Was initially a bit concerned with lack of MAS endorsement for the former but seems to have done ok so far. P.A is definitely higher.

Also thinking at this point that I should take out some of my money from my wealth management firm and invest it into ETFs on my own - I'm seeing 8-9% P.A on some of the more stable ones, which once again is better than what I get currently.

Any ideas or suggestions?

u got balls, go load up on leveraged ETFs like dividend etfs or equity index like SPX.

or CFDs trade on margin, but buy equity indices, dont buy commod or currencies. It is a about a good proxy for property market.

 

[PostCountWarrior[+1]]

I was shocked at how low their returns have been. I usually associate big name sovereign pension funds with doing pretty well.

What's interesting is their reaction. They are now moving out of their comfort zone and spreading their money into areas such as tech and so on. It's gonna be hilarious as the volatility on their returns (such as it may be) shoots up.

P.S. I'd work for them for free just to have their name in my resume but not sure if they can stomach the eye rolling. Haha

I heard they invest in the pak tor app

 

[IronMac]

Only say that if you can outperform the market while holding a lot of stocks that have close to zero growth but are forced to hold them due to strategic need for the country.

LOL! Well, I think that they should have some advantage because they can pick the best minds available and not all of their stocks have to be within SG. Their "strategic needs" stocks can be considered their "bond" component or maybe should have been.