STI ETF

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hkchew03

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teckgamer said:
Wow ES3 10 years annualized return is 1.73% -https://sg.finance.yahoo.com/quote/ES3.SI/performance/

It's not encouraging at all... Thinking of adding local index etf, but it's not that encouraging (less currency risk and withholding dividend charges as compared to buying ETF such as VT, FTEC)
Click to expand...

What are you expecting during a time like this? Most stock still 20% lower than pre-covid...

Posted from PCWX using SM-T720
 
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Kojo0403

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5408854088 said:
ES3 was incepted in 2002 while G3B was incepted in 2009
Click to expand...

ES3 has larger fund size S$950M vs G3B at S$300M and on-screen trading liquidity.

ES3 typically has bid-ask spread between S$0.003 - S$0.006 while G3B has bid-ask spread around S$0.01. Hence you can save like 0.10% to 0.20% when trading into ES3 compared to G3B.

Expense ratio is pretty consistent for both at 0.30% hence over the long-run there should not be any issue.
 
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Kojo0403

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hkchew03 said:
What are you expecting during a time like this? Most stock still 20% lower than pre-covid...

Posted from PCWX using SM-T720
Click to expand...

True.. and its probably a fact that Singapore market has claimed to be undervalued by some of the companies that were delisted and go on to list elsewhere. Hence if the stock bubble were to burst, most probably your draw-down in ES3 will not be as bad as FTEC or XLK.

Personally I do hold XLK and LG9 (MSCI China) but it's always good to balance off with STI for SGD income and not over-exposed in US.
 
Iyarash11

Iyarash11

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in SG, is it better to buy STI ETF or bank stock to keep for next 3 years
 
kehyi4

kehyi4

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Iyarash11 said:
probably the usual approach, distribute the risk
mixed of all 4, 3 banks and sti etf
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erm, you know that STI is about half made up of 3 banks +singtel, right?

so how does buying largely the same thing twice "distribute the risk"? :s11:
 
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Panerex

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Kojo0403 said:
ES3 has larger fund size S$950M vs G3B at S$300M and on-screen trading liquidity.

ES3 typically has bid-ask spread between S$0.003 - S$0.006 while G3B has bid-ask spread around S$0.01. Hence you can save like 0.10% to 0.20% when trading into ES3 compared to G3B.

Expense ratio is pretty consistent for both at 0.30% hence over the long-run there should not be any issue.
Click to expand...


Does ES3 have better dividend yield?
 
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pawn_king

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teckgamer said:
Wow ES3 10 years annualized return is 1.73% -https://sg.finance.yahoo.com/quote/ES3.SI/performance/

It's not encouraging at all... Thinking of adding local index etf, but it's not that encouraging (less currency risk and withholding dividend charges as compared to buying ETF such as VT, FTEC)
Click to expand...

well STI 10-yr return was 9.2% in 2018 and 9.4% in 2019

What a big difference!

this shows that entry point (for lump sum investment) and exit point (for DCA/lump sum) very important!
 
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Slowdown

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Very possible. STI fluctuation is +/- 15% (against capital). I have been invested in the ETF for more than six years via RSP and when I look at my closing balance each year I can see the trend.

Against my capital investment at the end of each year:
2014: +4.5%
2015: -9.2% (>15% Loss)
2016: -5.6% (> 4% Grain)
2017: 11% (> 15% Grain)
2018: -1% (> 12% Loss)
2019: 2.8% (> 3% Gain)
2020 (to date): -20% (> 22% Loss)

I did not considered dividend received, just capital gain/loss. It is true that the point of entry and exit can greatly impact the returns. It can be argued because my calculation is based on RSP and lump sum investment may be different. I dunno. But from my personal stats I can see the fluctuation. I am not sure why you said the STI had minimal growth. If we look at just growth alone then it is true that STI did not grow much. However the fluctuation in between can kill us or help us make some good returns.


NewInvestor said:
These stats don't seem correct. As far as I know, STI has had minimal growth in the last 10 years.
Click to expand...
 
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crystalnox

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Slowdown said:
Very possible. STI fluctuation is +/- 15% (against capital). I have been invested in the ETF for more than six years via RSP and when I look at my closing balance each year I can see the trend.

Against my capital investment at the end of each year:
2014: +4.5%
2015: -9.2% (>15% Loss)
2016: -5.6% (> 4% Grain)
2017: 11% (> 15% Grain)
2018: -1% (> 12% Loss)
2019: 2.8% (> 3% Gain)
2020 (to date): >20% (> 22% Loss)

I did not considered dividend received, just capital gain/loss. It is true that the point of entry and exit can greatly impact the returns. It can be argued because my calculation is based on RSP and lump sum investment may be different. I dunno. But from my personal stats I can see the fluctuation. I am not sure why you said the STI had minimal growth. If we look at just growth alone then it is true that STI did not grow much. However the fluctuation in between can kill us or help us make some good returns.
Click to expand...
Similar-ish to my own results when I used XIRR to calculate gains/losses on a yearly basis.
 
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