Ideal Portfolio Composition

[genie47]

We have joint accounts and individual accounts. Her CPF is of course hers but we look at it together. Full disclosure for financial planning. Like for example the OCBC 360 account. We see no benefit in having joint account because if each of us put in 50k, we earn 3.05% from each individual accounts.

 

[chill_lax]

We have joint accounts and individual accounts. Her CPF is of course hers but we look at it together. Full disclosure for financial planning. Like for example the OCBC 360 account. We see no benefit in having joint account because if each of us put in 50k, we earn 3.05% from each individual accounts.

yup that is very true. must make use of the situation. earn 3.05% from both accounts if possible.

 

[genie47]

yup that is very true. must make use of the situation. earn 3.05% from both accounts if possible.

The idea is to have "concentrated returns". Whack where you get the most. That explains why I paid for the flat then using her CPF to maximize the returns from her SA.

 

[chill_lax]

any bros can share their portfolio in terms of unit trusts and funds that you are currently holding? any recommendations?

 

[xcodes]

Bookmarked read later.

 

[chill_lax]

nobody believe in unit trust and funds or use fundsupermart or dollardex?

 

[Bedokian]

Ever since I read about ETFs, I have looked away from unit trusts.

 

[alexchia01]

any bros can share their portfolio in terms of unit trusts and funds that you are currently holding? any recommendations?

Hi bro, if you really want to invest, don't look at unit trusts.

If you can buy directly from the market, why do you want to pay a middleman to buy for you? You have to pay him high loading fee, plus yearly management fee.

Also, to offload unit trusts, they calculate end of day price. So, if you urgently want to exit the market because of major event, you are getting the worst price.

Learn how to invest yourself. Don't rely on unit trust fund managers.

 

[wahkao3]

buy low risk, high return stocks on SGX
anything that is not low risk, or high return, dont buy

 

[chill_lax]

Hi bro, if you really want to invest, don't look at unit trusts.

If you can buy directly from the market, why do you want to pay a middleman to buy for you? You have to pay him high loading fee, plus yearly management fee.

Also, to offload unit trusts, they calculate end of day price. So, if you urgently want to exit the market because of major event, you are getting the worst price.

Learn how to invest yourself. Don't rely on unit trust fund managers.

Hi bro, ok i understand. But I am just wondering other than unit trusts and funds, are there any other ways where a person can be exposed to a basket of stocks with a low capital outlay? I believe the scheme by ocbc or poems are also similar to this right? the only problem with buying specific stocks from the market direct is the huge capital involved for certain stocks. Actually I am asking because my friend is new to investing and may want to start out small first.

 

[chill_lax]

buy low risk, high return stocks on SGX
anything that is not low risk, or high return, dont buy

what are your recommendations for low risk, high return stocks...

 

[chill_lax]

Ever since I read about ETFs, I have looked away from unit trusts.

do you buy ETFs on the stock market like nikko am ETF?

 

[Bedokian]

do you buy ETFs on the stock market like nikko am ETF?

Yes I do, vested in Nikko AM STI ETF and the Vanguard EAFE ETF.

 

[xcodes]

buy low risk, high return stocks on SGX
anything that is not low risk, or high return, dont buy

What is low risk and what is high return? I think need definition first.

 

[chill_lax]

Yes I do, vested in Nikko AM STI ETF and the Vanguard EAFE ETF.

Just to understand abit more, when u buy Nikko AM STI ETF, u r buying 1000 shares right, meaning to say per lot is about $3k odd, you cant buy in lower denominations like 10 or 100 shares? And also, do you receive dividends too?

 

[lb95010]

Just to understand abit more, when u buy Nikko AM STI ETF, u r buying 1000 shares right, meaning to say per lot is about $3k odd, you cant buy in lower denominations like 10 or 100 shares? And also, do you receive dividends too?

for Nikko, can buy in 100 shares. once you had a share you will receive a dividend declare.

only two brokarage that i know had unit share, but it is very limitted volume with different price

 

[ahboy82]

Yes I do, vested in Nikko AM STI ETF and the Vanguard EAFE ETF.

how abt the vanguard etf? can we find this in sgx? or need to use other US based brokers like interactive to purchase?

 

[Bedokian]

how abt the vanguard etf? can we find this in sgx? or need to use other US based brokers like interactive to purchase?

I use the SCB platform to purchase my Vanguard ETFs. I also use it to buy my overseas shares. US brokerages are able to purchase them as well, but as for their usage, you may wish to ask the other experienced forummers.

SGX does not have any Vanguard ETFs. The common ones here are by iShares, DBXT and Lyxor.

 

[Bedokian]

Just to understand abit more, when u buy Nikko AM STI ETF, u r buying 1000 shares right, meaning to say per lot is about $3k odd, you cant buy in lower denominations like 10 or 100 shares? And also, do you receive dividends too?

for Nikko, can buy in 100 shares. once you had a share you will receive a dividend declare.

only two brokarage that i know had unit share, but it is very limitted volume with different price

To add, Nikko AM STI ETF allows you to get in lots of 100 shares, whereas the other one (STI ETF) only allows you to get in a 1000 shares per lot. With the odd-lot problem here, I would rather get my shares with a rounded figure.

 

[Mecisteus]

for Nikko, can buy in 100 shares. once you had a share you will receive a dividend declare.

only two brokarage that i know had unit share, but it is very limitted volume with different price

dont look at the traded volume. it may be low or ZERO some of the time.

look at the spread and volume in the bid/ask instead.