I am treating this UT portfolio as an 'experiment' and learning experience. Some say all you have to do is to blindly put your money into low cost index funds every month, don't care about whether the market is 'high' or 'low', sure make money.
By right, UT is for long term, just buy and forget but if you look at your UT performance chart, recently is very steep upward, so need to be careful as your buying price is considered high too.I am treating this UT portfolio as an 'experiment' and learning experience. Some say all you have to do is to blindly put your money into low cost index funds every month, don't care about whether the market is 'high' or 'low', sure make money.
Theory is one thing, executing the strategy by putting your hard-earned cash into it is another, so I hope to 'learn' and 'earn' something from this.
different types of ut work differently.
Yes, agree on different types of ut work differently.
I am sure u can earn from this.I am treating this UT portfolio as an 'experiment' and learning experience. Some say all you have to do is to blindly put your money into low cost index funds every month, don't care about whether the market is 'high' or 'low', sure make money.
Theory is one thing, executing the strategy by putting your hard-earned cash into it is another, so I hope to 'learn' and 'earn' something from this.
- sold all gold ut (-22%)- line chart instead of table
- % instead of value
- added new sg div ut (-1%, orange dot)
- remove gold ut (-22%) from chart to make the other ut look nicer
I think gold rebounding, wasted to cut loss.- sold all gold ut (-22%)
- sold all sg div ut (1.8%)
- sold half of income fund ut
- asian growth ut capital increases to $24
- only world index ut (oa) rises
You must think the other way from the day cut loss the monies I put to other lobang is green color and then count from that day till today how much is used to offset the earlier loss. Gold has become like stocks liao very surprising for me.
I prefer to average down or up.
Ok noted on your strategy. For me I hold to this belief Never fall in love with any investment. Investment definition is broad and in this case Gold.
- sold all income fund ut (-1.7%)- sold all gold ut (-22%)
- sold all sg div ut (1.8%)
- sold half of income fund ut
- asian growth ut capital increases to $24
- only world index ut (oa) rises
update 2 months later. I have upsized the position as the market continued to climb, so my average buying price has gone up and the % return has dropped a lot.
luckily the absolute $ gain has doubled from $1.6k profit to $3.6k. this can pay for my year-end holiday
in order to reach FI, you need to have good % returns but you also need a large enough position size to get $ returns.
Why you move Endowus to Poems?
I started Poems UT last year, I gradually moved from Endowus to Poems.
- MSCI World A12S is purchased regularly using SRS funds.
- While Prime USA is purchased during crashes period (e.g. Liberation Day).
- CPF-OA is lump sum buy 1 to 2 times a year.
endowus you have to pay platform fee to buy Amundi unit trust?
I didn't buy Amundi. I brought and sold Franklin U.S. Opportunities Fund, Infinity U.S. 500 Stock Index Fund and Schroder ISF Greater China Fund. Only fund fee, fund fee also have cash back.
Last time call... then upgrade to email. Before online trading was a thing. remember emailing my broker what I want to buy they reply me same day with confirmation.
Marcoyeo's screenshot shows Amundi funds. if you only own Amundi funds Poems > endowus because no platform or other fees.
Endowus charges an all-in advisory and access fee ranging from 0.15% to 0.60% per annum depending on your portfolio type and asset size, with no separate hidden platform or wrap fees.
I currently have $100k in Amundi World, Amundi USA, and Amundi Emerging market.
