Lala81 Hypersonic February 4, 2023 Share February 4, 2023 (edited) The bond funds mx fees and expense ratios really eat up everything though. Ah well. Over at hwz. The index portfolio guys just advise global/us etf with bond component, usually MBH cos of SGD advantages to reduce volatility. I guess if u are going usd, u can use 9141 in hkse, or CRPA on LSE if u really wanted for corporate IG Grade bonds. CRPA is accumulating though. So usually u have to be active on rebalancing them every 6-12 months. They generally don't like high yield bonds. The roboadvisors like endowus can rebalance for you auto every quarter. So that's the main benefit, though u pay them for it. But the fees all eat into your returns since u are just at best getting long term market returns. Edited February 4, 2023 by Lala81 ↡ Advertisement Link to post Share on other sites More sharing options...
sgh 1st Gear February 4, 2023 Share February 4, 2023 I was with fundsupermart since 2000 or the day they were born. Mainly using CPF OA investment for unit trust. Bond fund really low yield in comparison to equities and fees eat into them over long term IMHO. But the past year downturn has slash equities return alot! Now also got Endowus as unit trust alternative with trailer fee rebate. US ETF, stock I use Webull for their $5 can buy fractional shares with no fees for buy. This also red throughout since I am late in US equities DIY. Only T-bill SSB FD is green for me so far haha Link to post Share on other sites More sharing options...
TangoCharlie Supersonic February 5, 2023 Share February 5, 2023 For the same reason I don't have any balanced or bond funds and become equity heavy, even taking cpf portion as bond. Only went into fixed income last year to balance up a bit. Added a AHY fund as there is enough meat to cover fees amply though volatility is higher also. So many funds out there, it's difficult to find a consistently good one. Even the recommended ones. ETF maybe another option but have to take note of liquidity esp for those listed locally. Rebalancing regularly? May have merits but no need quarterly, half yearly... That's more for reporting. I just take profit along the way, if there is one. 1 Link to post Share on other sites More sharing options...
Wt_know Supersonic February 5, 2023 Author Share February 5, 2023 (edited) any recommendation for Corporate Bonds in FSM ... not Hyflux please ... Edited February 5, 2023 by Wt_know Link to post Share on other sites More sharing options...
TangoCharlie Supersonic February 5, 2023 Share February 5, 2023 9 hours ago, Wt_know said: any recommendation for Corporate Bonds in FSM ... not Hyflux please ... The website does have some recommendation for stable income and high yield ones. I cannot recommend... Still paying school fees. 🥲 1 1 Link to post Share on other sites More sharing options...
Wt_know Supersonic February 6, 2023 Author Share February 6, 2023 (edited) how high ES3 can go ? Edited February 6, 2023 by Wt_know 1 Link to post Share on other sites More sharing options...
Lala81 Hypersonic February 6, 2023 Share February 6, 2023 After much thinking over the past week. Decided I will monthly RSP using FSM into global etf, Sti etf, local reit etf and MBH. Rebalance one yearly to mainly make sure lock in profits for global etf. After so many years, fundamentally not too interested in stocks. But hopefully now at middle age, more disciplined than before. Just earn basic market returns, reinvest back the Dividends. Semi active investing has been a mixed bag for me so far. If market down significantly, Hand itchy that time will buy some more dividend plays/Sti etf. Automate as much as possible since the brokerage options/competition over the last few years got rid of most of the expenses. Ultimately have to understand my own personality. Just know enough about financial markets to not make major glaring mistakes (tuition fees paid since I started work). 3 Link to post Share on other sites More sharing options...
Throttle2 Supersonic February 6, 2023 Share February 6, 2023 6 hours ago, Lala81 said: After much thinking over the past week. Decided I will monthly RSP using FSM into global etf, Sti etf, local reit etf and MBH. Rebalance one yearly to mainly make sure lock in profits for global etf. After so many years, fundamentally not too interested in stocks. But hopefully now at middle age, more disciplined than before. Just earn basic market returns, reinvest back the Dividends. Semi active investing has been a mixed bag for me so far. If market down significantly, Hand itchy that time will buy some more dividend plays/Sti etf. Automate as much as possible since the brokerage options/competition over the last few years got rid of most of the expenses. Ultimately have to understand my own personality. Just know enough about financial markets to not make major glaring mistakes (tuition fees paid since I started work). Good luck. funny interesting fact, all the doctors i know personally, suck in personal finance or are not keen to be more involved. 😂😄😁 2 Link to post Share on other sites More sharing options...
Starry Supercharged February 6, 2023 Share February 6, 2023 6 hours ago, Lala81 said: After much thinking over the past week. Decided I will monthly RSP using FSM into global etf, Sti etf, local reit etf and MBH. Rebalance one yearly to mainly make sure lock in profits for global etf. After so many years, fundamentally not too interested in stocks. But hopefully now at middle age, more disciplined than before. Just earn basic market returns, reinvest back the Dividends. Semi active investing has been a mixed bag for me so far. If market down significantly, Hand itchy that time will buy some more dividend plays/Sti etf. Automate as much as possible since the brokerage options/competition over the last few years got rid of most of the expenses. Ultimately have to understand my own personality. Just know enough about financial markets to not make major glaring mistakes (tuition fees paid since I started work). Well said bro. Sounds like a good plan. For my own, I go by these rules - The more basic the portfolio, the better - The less tinkering, the better - The less fees the better. - The less "exciting" , the better 2 Link to post Share on other sites More sharing options...
Lala81 Hypersonic February 6, 2023 Share February 6, 2023 (edited) 56 minutes ago, Throttle2 said: Good luck. funny interesting fact, all the doctors i know personally, suck in personal finance or are not keen to be more involved. 😂😄😁 True. Among my good friends, we all have a nonchalant approach to personal finance. Of course I'm sure there are those few who are into stock analysis etc, but they are probably the minority. But due to our profession, we have a consuming tendency to be ALL IN in our professional knowledge/work, particularly the specialists. And if they go private, they are usually consumed in the operational/bizness/accounts side of operating your own business. Less inclination to create more headspace to think about all this. Edited February 6, 2023 by Lala81 Link to post Share on other sites More sharing options...
Dp26 5th Gear February 6, 2023 Share February 6, 2023 1 hour ago, Throttle2 said: Good luck. funny interesting fact, all the doctors i know personally, suck in personal finance or are not keen to be more involved. 😂😄😁 Not keen for sure. dentist as well. thankfully they are usually higher income group so not too bad even if do nothing. 1 Link to post Share on other sites More sharing options...
Lala81 Hypersonic February 6, 2023 Share February 6, 2023 Just now, Dp26 said: Not keen for sure. dentist as well. thankfully they are usually higher income group so not too bad even if do nothing. we don't deal with finance as part of our work. And we don't even learn basic economics in JC. So financial terms is like another language to us which we slowly learn as adults. Link to post Share on other sites More sharing options...
Dp26 5th Gear February 7, 2023 Share February 7, 2023 At least u r interested that’s better than most already. Link to post Share on other sites More sharing options...
Wt_know Supersonic February 7, 2023 Author Share February 7, 2023 the King is here ... no $40.00 no talk ... huat ah! 1 1 Link to post Share on other sites More sharing options...
Enye Hypersonic February 7, 2023 Share February 7, 2023 wah sci price back on par with st eng liao… 💪😅 Link to post Share on other sites More sharing options...
Voodooman Supersonic February 7, 2023 Share February 7, 2023 On 2/6/2023 at 10:40 AM, Lala81 said: After much thinking over the past week. Decided I will monthly RSP using FSM into global etf, Sti etf, local reit etf and MBH. Rebalance one yearly to mainly make sure lock in profits for global etf. After so many years, fundamentally not too interested in stocks. But hopefully now at middle age, more disciplined than before. Just earn basic market returns, reinvest back the Dividends. Semi active investing has been a mixed bag for me so far. If market down significantly, Hand itchy that time will buy some more dividend plays/Sti etf. Automate as much as possible since the brokerage options/competition over the last few years got rid of most of the expenses. Ultimately have to understand my own personality. Just know enough about financial markets to not make major glaring mistakes (tuition fees paid since I started work). Warning. This is meant to confuse you. 😂 https://www.washingtonpost.com/business/the-future-looks-messy-for-passive-investors/2023/02/06/d4625b84-a5e0-11ed-b2a3-edb05ee0e313_story.html 1 Link to post Share on other sites More sharing options...
Lala81 Hypersonic February 7, 2023 Share February 7, 2023 (edited) 22 minutes ago, Voodooman said: Warning. This is meant to confuse you. 😂 https://www.washingtonpost.com/business/the-future-looks-messy-for-passive-investors/2023/02/06/d4625b84-a5e0-11ed-b2a3-edb05ee0e313_story.html Oh my trader friend had pointed this out few years ago. I'm aware of this conundrum. That's why I put 30% into Sti etf which is weighted to banks (which are really too big to fail in sg context) and reits which are more dividend providing. All power to stock pickers. My friend is into sgx under valued stocks. He has genuine interest and though he's busy like hell, he spends his leisure time reading analyst reports/blogs etc. I do buy some of them that he recommends. But since I don't study it myself, my conviction is superficial (not that I have any basis to be an analyst). So I don't really average down and continue to buy in when things go red. As happened in 2021-2022 when he suggests. Not every play works out, but if u don't follow through, it's hard to see the gains also. Owning physical real estate would be also another inflation hedge. But given my medical history and a single income, I don't want to leverage since I can't get proper mortgage insurance. Edited February 7, 2023 by Lala81 1 Link to post Share on other sites More sharing options...
Wt_know Supersonic February 10, 2023 Author Share February 10, 2023 (edited) sti got MSW lulian today? Edited February 10, 2023 by Wt_know ↡ Advertisement Link to post Share on other sites More sharing options...
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