HWZ Forums

Login Register FAQ Mark Forums Read

*Official* Shiny Things club - Part 2

Like Tree701Likes
Reply
 
LinkBack Thread Tools
Old 20-04-2018, 10:43 AM   #46
Supremacy Member
 
soulblader_89's Avatar
 
Join Date: May 2016
Posts: 6,908
Just wanna ask, by using the method state in this thread, by the great Shining

* Put your money in a mix of low-cost stock and bond ETFs - for Singaporean investors, that's ES3 and A35, respectively; make the percentages equal to "110 minus your age" in stocks, and the rest in bonds;
* Once a year, at the same time every year, rebalance your money - buy and sell to bring your stocks and bonds back to that "110 minus your age" proportion;
* Go to the pub.
How many percent of return will I be expecting each year?

Will I at least guarantee 8% each year of return?
__________________
青山依旧在,几度夕阳红
soulblader_89 is offline   Reply With Quote
Old 20-04-2018, 11:00 AM   #47
Member
 
Join Date: Nov 2016
Posts: 148
Part of the learning is to recognize why these are not productive questions to ask.

Just wanna ask, by using the method state in this thread, by the great Shining



How many percent of return will I be expecting each year?

Will I at least guarantee 8% each year of return?
wealth_farmer likes this.
little pupsky is offline   Reply With Quote
Old 20-04-2018, 11:23 AM   #48
Supremacy Member
 
Maeda_Toshiie's Avatar
 
Join Date: May 2007
Posts: 6,204
Just wanna ask, by using the method state in this thread, by the great Shining



How many percent of return will I be expecting each year?

Will I at least guarantee 8% each year of return?
No one can give guarantees on investment returns. Not even Buffett. The best anyone can do is to take historical returns to make a rough guestimate for the long run.
__________________
イエッタイガー
Maeda_Toshiie is offline   Reply With Quote
Old 20-04-2018, 11:24 AM   #49
Supremacy Member
 
Maeda_Toshiie's Avatar
 
Join Date: May 2007
Posts: 6,204
For those who want to invest in China, something to note:

https://www.bloomberg.com/news/artic...reliance-rises
__________________
イエッタイガー
Maeda_Toshiie is offline   Reply With Quote
Old 20-04-2018, 02:09 PM   #50
Master Member
 
revhappy's Avatar
 
Join Date: Mar 2012
Posts: 4,164
Just wanna ask, by using the method state in this thread, by the great Shining



How many percent of return will I be expecting each year?

Will I at least guarantee 8% each year of return?
High chances next 10 years no returns. May be 20 years no returns and then 10 years later markets go up 100 times. Anything is possible. Just look at Nikkei.

Markets can remain irrational longer then we can remain solvent. This is not just overvaluation irrationality. It can be undervaluation irrationality too.

Basically when markets kept going up for last 10 years nobody bought into the DCA stuff. Now everyone seems to be getting on-board. So logic dictates that when everyone is thinking the same thing, it won't happen.

Sent from Xiaomi REDMI NOTE 4 using GAGT

Last edited by revhappy; 20-04-2018 at 02:12 PM..
revhappy is offline   Reply With Quote
Old 20-04-2018, 02:27 PM   #51
Senior Member
 
peipei1's Avatar
 
Join Date: Aug 2017
Posts: 882
Last 10 years has been the best for annual returns or close to. There is this economical cycle that i read the next 10 year has high probability of burst. Experts say most optimisc we will get 5% annual return from stock markets. It is just enough to beat inflation so long we hold our stock position

Support ST new thread for it keeps us average worker mice engaged in investing for our future (not a bright one seemingly)!
peipei1 is offline   Reply With Quote
Old 20-04-2018, 02:35 PM   #52
Senior Member
 
peipei1's Avatar
 
Join Date: Aug 2017
Posts: 882
Some days iwda & eimi prices shot up on the open, and then fall down.

Is the sudden rise due to daily revaluation and dividend reinvestment?
peipei1 is offline   Reply With Quote
Old 20-04-2018, 03:06 PM   #53
Junior Member
 
Join Date: Dec 2013
Posts: 47
Last 10 years has been the best for annual returns or close to. There is this economical cycle that i read the next 10 year has high probability of burst. Experts say most optimisc we will get 5% annual return from stock markets. It is just enough to beat inflation so long we hold our stock position
If you are just talking about 10-year returns then I am sure we are not "best" or close to "best"

Did a quick google and found this. of cos this is just S&P500 (and Jan2017) but I believe we have had periods with better 10-year returns. Once again human memories tend to be quite near-term biased.

Reference chart
Shiny Things likes this.
funkypunk is offline   Reply With Quote
Old 20-04-2018, 03:09 PM   #54
Master Member
 
revhappy's Avatar
 
Join Date: Mar 2012
Posts: 4,164
Stock markets is just like business. In business there can be profit or loss. There is no implicit inflation beater guarantee in business. Cash may not beat inflation, but that's ok. If you have enough if it, there is no need to risk capital loss just to beat inflation.

Sent from Xiaomi REDMI NOTE 4 using GAGT
revhappy is offline   Reply With Quote
Old 20-04-2018, 04:56 PM   #55
Junior Member
 
Join Date: Dec 2013
Posts: 47
Just wanna ask, by using the method state in this thread, by the great Shining



How many percent of return will I be expecting each year?

Will I at least guarantee 8% each year of return?

I think you have to think about it from this angle:

If not a stock/bond portfolio, what else are you going to 'store' this money? Remember that you are thinking of 'investing' because now you have no need to use these funds.

Remembering what is out there:
Put under bed : no interest earned, notes may be eaten by rats
Put in deposit account in bank : v v low interest, but very safe, no drop in value
Fixed deposit : slightly higher interest but only if you totally can't use it in the meantime
Gold :hard to buy/sell, probably no growth
Property: ???
Buy collector's items like art,wine : ???

So yeah a stock/bond portfolio is probably the best choice.
funkypunk is offline   Reply With Quote
Old 20-04-2018, 04:59 PM   #56
Senior Member
 
aYu82's Avatar
 
Join Date: May 2003
Posts: 1,219
Hi guys, may i know if we can buy index like FTSE ST Index for various sectors?
__________________
The Best is yet to be.
aYu82 is offline   Reply With Quote
Old 20-04-2018, 07:40 PM   #57
Supremacy Member
 
Join Date: Jun 2010
Posts: 7,487
For me I do not need my emergency funds to be instantaneous liquid, as long as I can convert it to cash within a week should be fine. SSB monthly liquidity is actually not suitable I feel, its way too long.
You have an ultra short-term reserve fund, or at least you should. It's...your ordinary bank account. Hopefully it's holding $50,000 or less, the limit on Singapore deposit insurance. Or at least not much more than $50,000.

If your ordinary bank account is big enough for a couple of months of living expenses, that's fine. Your SSBes can then handle most or all of the remainder of your emergency reserve fund.
BBCWatcher is offline   Reply With Quote
Old 20-04-2018, 08:00 PM   #58
Senior Member
 
Join Date: Jan 2014
Posts: 826
Hi guys, may i know if we can buy index like FTSE ST Index for various sectors?
i dont think so... maybe can buy the individual counters if u really want
beefjerky is offline   Reply With Quote
Old 20-04-2018, 08:16 PM   #59
Senior Member
 
Join Date: Dec 2016
Posts: 540
I’m going to assume that you mean sector ETFs, but not necessarily limited to Singapore market. Yes there are. For eg DH2O for water/utilities stocks, RBOT for so-called AI stocks, IWDP for global REITs etc. There are also ETFs for drone companies, whisky companies etc.

However you should probably ensure your core portfolio is of a certain size first. Unless you have firsthand subject matter expertise knowledge of certain sectors, investing based on your perceived knowledge and/or positive sentiments is a punt at best.

Hi guys, may i know if we can buy index like FTSE ST Index for various sectors?
wealth_farmer is offline   Reply With Quote
Old 20-04-2018, 10:18 PM   #60
Supremacy Member
 
Maeda_Toshiie's Avatar
 
Join Date: May 2007
Posts: 6,204
Hi guys, may i know if we can buy index like FTSE ST Index for various sectors?
They don't exist for the local stock market. Only the US and other large markets like the LSE have such sector specific ETFs.

Those are sector specific bets which are not suited for relatively small portfolios. Even for larger portfolios, they should be of small percentages.
__________________
イエッタイガー
Maeda_Toshiie is offline   Reply With Quote
Reply
Important Forum Advisory Note
This forum is moderated by volunteer moderators who will react only to members' feedback on posts. Moderators are not employees or representatives of HWZ. Forum members and moderators are responsible for their own posts.

Please refer to our Terms of Service for more information.


Thread Tools

Posting Rules

Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are On