6% Annual Yield

[limster]

Do you have enough confidence to put all your money into this unit trust now and expect an annualized return of 6%?

It depends how much money you have doesn't it? If you are playing with small amounts, then 'all in' seems a very common strategy.....

For those who have larger portfolios , asset allocation and diversification are important

 

[limster]

Then you should just adopt the passive approach of investing.

my unit trust investments are more passive than my stock investments/ETF. My stock/ETF investments I have to reinvest my dividends.

Unit trust I just leave them alone and everything is done for you! Every few years I just look at the capital gains since no dividends to count and reinvest!

 

[OngHuatHuat]

I earned around 200 plus k sgd from stock market for the past 2-3 years, doubt I can achieve that by adopting passive investing.

Anyway, that was plain luck because I was lucky to pick some stocks that returned close to 100 %.

Then you should just adopt the passive approach of investing.

 

[OngHuatHuat]

Ern... I believe you cannot achieve that by putting in the money now since the stock market has risen a lot.

Thanks anyway.

It depends how much money you have doesn't it? If you are playing with small amounts, then 'all in' seems a very common strategy.....

For those who have larger portfolios , asset allocation and diversification are important

 

[OngHuatHuat]

Around 300 -500 k sgd at the moment.

It depends how much money you have doesn't it? If you are playing with small amounts, then 'all in' seems a very common strategy.....

For those who have larger portfolios , asset allocation and diversification are important

 

[limster]

Ern... I believe you cannot achieve that by putting in the money now since the stock market has risen a lot.

Thanks anyway.

Ah, the "boat has sailed" syndrome. You can join revhappy and wait for the next crash. If you buy after the crash, you are looking at double-digit or triple digit returns, not just a miserable 6%

 

[havetheveryfun]

I earned around 200 plus k sgd from stock market for the past 2-3 years, doubt I can achieve that by adopting passive investing.

Anyway, that was plain luck because I was lucky to pick some stocks that returned close to 100 %.

a "lousy" investor managed to earn 200 plus k sgd from stock market for the past 2-3 years... guess most of us are "lousy of the lousy of the lousy of the lousy of the lousy of the lousy"

 

[revhappy]

Ah, the "boat has sailed" syndrome. You can join revhappy and wait for the next crash. If you buy after the crash, you are looking at double-digit or triple digit returns, not just a miserable 6%

I am putting my war chest about 140k SGD in ICBC FD 1.98% for 1 yr. Locked in and I don't want to think about it. Lets see one year down the line where the markets are and then I will take a call

Where do you keep your warchest?

 

[OngHuatHuat]

Ern, I sold off everything at high last year.

Now just slowly buy back.

Earned around 200-300 k sgd for the past 3 years, almost 100% gain on capital by leveraging, but I am looking at how to achieve 6 % by DCA over a long period of time. I asked because I doubt I can ever achieve that kind of performance again.

Ah, the "boat has sailed" syndrome. You can join revhappy and wait for the next crash. If you buy after the crash, you are looking at double-digit or triple digit returns, not just a miserable 6%

 

[OngHuatHuat]

It was all written in my investment journal but too bad it was locked by a moderator.

Element of luck did play a role.


https://forums.hardwarezone.com.sg/...t-journal-update-random-basis-5688414-14.html

a "lousy" investor managed to earn 200 plus k sgd from stock market for the past 2-3 years... guess most of us are "lousy of the lousy of the lousy of the lousy of the lousy of the lousy"

 

[limster]

Ern, I sold off everything at high last year.

Now just slowly buy back.

Earned around 200-300 k sgd for the past 3 years, almost 100% gain on capital by leveraging, but I am looking at how to achieve 6 % by DCA over a long period of time. I asked because I doubt I can ever achieve that kind of performance again.

it just takes one mistake to blow up, thats why I will never go 'all in' on one stock

i am perfectly happy with my annualised 9%+, 12%+ return on my 2 unit trusts which I have been holding for 10 years. Took me a longer time to earn 100%, but I'm fine with that as it was totally passive investment, I bought it, and zero maintenance after that...

 

[OngHuatHuat]

Percentage is not utmost important to me(it is important but not utmost important), it is the consistency that matters.

Like what I said, you can say you achieve this achieve that, but can you really repeat that by doing a simple dca into that investment vehicle? And how much risk are you taking? Are you willing to put almost all your fortune into what you recommended?

If it is just annualized 10 % but you only willing to put in 10 k sgd, then that doesn’t fit in this discussion.

Again, I asked coz I couldn’t think of any.

it just takes one mistake to blow up

i am perfectly happy with my annualised 9%+, 12%+ return on my 2 unit trusts which I have been holding for 10 years. Took me a longer time to earn 100%, but I'm fine with that as it was totally passive investment, I bought it, and zero maintenance after that...

 

[OngHuatHuat]

Your war chest seems smaller than your current stock portfolio size.

I am putting my war chest about 140k SGD in ICBC FD 1.98% for 1 yr. Locked in and I don't want to think about it. Lets see one year down the line where the markets are and then I will take a call

Where do you keep your warchest?

 

[OngHuatHuat]

I manage to do some research on first state bridge recommended by limster.

It was launch in year 2003 with a launch price of 1 sgd, but current price is only 1.703.
Am I missing something?

If I assume 4 % per annum, the current price should be
1 x 1.04 ^ 15 = 1.8?????
How come fund current price is even lower than 1.8 with a much higher annualized return?

Cpf special beats it.

 

[OngHuatHuat]

Not sure if you take note of this,
First state bridge was launched back in 2003 with a launch price of 1 sgd.

Then current price is 1.70, am I missing something?

it just takes one mistake to blow up, thats why I will never go 'all in' on one stock

i am perfectly happy with my annualised 9%+, 12%+ return on my 2 unit trusts which I have been holding for 10 years. Took me a longer time to earn 100%, but I'm fine with that as it was totally passive investment, I bought it, and zero maintenance after that...

 

[limster]

Percentage is not utmost important to me(it is important but not utmost important), it is the consistency that matters.

Like what I said, you can say you achieve this achieve that, but can you really repeat that by doing a simple dca into that investment vehicle? And how much risk are you taking? Are you willing to put almost all your fortune into what you recommended?

If it is just annualized 10 % but you only willing to put in 10 k sgd, then that doesn’t fit in this discussion.

Again, I asked coz I couldn’t think of any.

you are asking whether there is one single product into which you can put your entire fortune?

Its up to each investor to do his due diligence, formulate strategy and allocate assets consistent with strategy and risk profile.

6% is not a particularly high bar and I'm pretty sure my portfolio's 10-year performance is at least that... whether the performance can continue in the future nobody knows, but if you think nobody knows, then no point asking right?

 

[OngHuatHuat]

I just did some research on first state bridge. I believe the annualized return should be lower.

Perhaps you can take a look.

I am not asking for a single product if you read my thread carefully. I am asking for strategies.
My own personal investment return has been erratic due to obvious reason.

you are asking whether there is one single product into which you can put your entire fortune?

Its up to each investor to do his due diligence, formulate strategy and allocate assets consistent with strategy and risk profile.

6% is not a particularly high bar and I'm pretty sure my portfolio's 10-year performance is at least that... whether the performance can continue in the future nobody knows, but if you think nobody knows, then no point asking right?

 

[revhappy]

Your war chest seems smaller than your current stock portfolio size.

Yes, I was invested 50% into equities. I sold enough so that now I am only 33% in equities.

 

[limster]

Not sure if you take note of this,
First state bridge was launched back in 2003 with a launch price of 1 sgd.

Then current price is 1.70, am I missing something?

yes you're missing something. do more research, you'll find the answer

 

[OngHuatHuat]

Annualized return since inception less than 4 %.

Cpf special win by quite a huge margin.

yes you're missing something. do more research, you'll find the answer