STI ETF

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发哨子2020

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Don’t agree totally.
Timing is important.



At the end of 2020, Singapore’s benchmark index – the Straits Times Index (STI) – delivered a return of close to -8 per cent. This was a weak showing .

While hindsight is 20/20, those who managed to beat the STI in 2020 would likely have invested in some of these top 10 companies listed on the SGX.
https://www.asiaone.com/money/10-companies-beat-straits-times-index-sti-2020
 
highsulphur

highsulphur

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发哨子2020;131903015 said:
Don’t agree totally.
Timing is important.



At the end of 2020, Singapore’s benchmark index – the Straits Times Index (STI) – delivered a return of close to -8 per cent. This was a weak showing .

While hindsight is 20/20, those who managed to beat the STI in 2020 would likely have invested in some of these top 10 companies listed on the SGX.
https://www.asiaone.com/money/10-companies-beat-straits-times-index-sti-2020
Click to expand...

Did they account for the 2 div paid out?
 
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Slowdown

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I have been buying either G3B (IS) or ES3 (FSM) for the last seven year via their respective RSP. Last March I doubled my RSP amount to $1K and told myself that I will review it again when my RSP purchase price hits $3 for ES3. This month FSM RSP finally hit it. Now I have to seriously ask myself whether I go revert back to my base amount or I should continue with doubled amount.

What is the likelihood of STI hitting 3300 or even 3500. I am not TA Expert. My feel is that 3300 is achievable while 3500 is a hard sell. What about going back down to 2800 or even 2500. 2800 is possible while 2500 I would think is a nah.

The extra RSP amount ($500/mth) is not coming in from my regular income (I call it new money). It is simply money from my existing emergency cashflow (I call it old money). I would have been more willing to continue with the extra amount if it was new money. Another point is that over the years I have received dividends from ETF that I had not reinvested back. The extra money I have put in is equal to the dividend I had received. In a way I can say that I have 'reinvested' back the dividend. So I think I have achieved my target of reinvesting the dividend and thus thinking of stopping.

I am in my fifties and I have to think a bit harder whether to continue to deplete my emergency cashflow. I managed to siam one retrenchment in 2020. I feel a bit safe in 2021 but nothing is safe safe. I am committed to continue my RSP until my invested amount hits $60K (another 3+ more years with the base amount) before I stop my RSP fully.

I am already actively investing and so the focus of my question is on what I should do with this current situation pertaining to this RSP.

Should I:
(a) Revert back to the original base amount
(b) Continue with the doubled amount until it hits a new target (e.g. 3300)

I am leaning toward (b). Help me out with your thoughts.
 
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DevilPlate

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If you are have one lump sum of funds (emergency), then why you choose to DCA monthly?

DCA is for those who are trying to accumulate and doing forced savings from their salary/income/dividends
 
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Slowdown

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I cannot tell when the STI will bottom and thus choose to use the RSP method.

DevilPlate said:
If you are have one lump sum of funds (emergency), then why you choose to DCA monthly?

DCA is for those who are trying to accumulate and doing forced savings from their salary/income/dividends
Click to expand...
 
highsulphur

highsulphur

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Slowdown said:
I have been buying either G3B (IS) or ES3 (FSM) for the last seven year via their respective RSP. Last March I doubled my RSP amount to $1K and told myself that I will review it again when my RSP purchase price hits $3 for ES3. This month FSM RSP finally hit it. Now I have to seriously ask myself whether I go revert back to my base amount or I should continue with doubled amount.

What is the likelihood of STI hitting 3300 or even 3500. I am not TA Expert. My feel is that 3300 is achievable while 3500 is a hard sell. What about going back down to 2800 or even 2500. 2800 is possible while 2500 I would think is a nah.

The extra RSP amount ($500/mth) is not coming in from my regular income (I call it new money). It is simply money from my existing emergency cashflow (I call it old money). I would have been more willing to continue with the extra amount if it was new money. Another point is that over the years I have received dividends from ETF that I had not reinvested back. The extra money I have put in is equal to the dividend I had received. In a way I can say that I have 'reinvested' back the dividend. So I think I have achieved my target of reinvesting the dividend and thus thinking of stopping.

I am in my fifties and I have to think a bit harder whether to continue to deplete my emergency cashflow. I managed to siam one retrenchment in 2020. I feel a bit safe in 2021 but nothing is safe safe. I am committed to continue my RSP until my invested amount hits $60K (another 3+ more years with the base amount) before I stop my RSP fully.

I am already actively investing and so the focus of my question is on what I should do with this current situation pertaining to this RSP.

Should I:
(a) Revert back to the original base amount
(b) Continue with the doubled amount until it hits a new target (e.g. 3300)

I am leaning toward (b). Help me out with your thoughts.
Click to expand...


Maintain your emergency funds. Don't touch it.

You can reinvest your dividends from Sti etf. Whether back to Sti etf or not is up to you. I would diversify a bit if I were you to other global equity market etfs.
 
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DevilPlate

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Slowdown said:
I cannot tell when the STI will bottom and thus choose to use the RSP method.
Click to expand...

Hmm, personally i am not adding anymore ES3. Last added at 2.8x.

I am looking to accumulate VWRA, EIMI, CSPX instead.

50+ still ok to accumulate etf especially those globally diversified ones like VWRA.
 
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