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Robo-Advisors

Investments

Stocks Discussion

Won't humans be disadvantaged with the rise of machines possessing the capablities of quant/algorithmic trading ?
Leonard Tan
Leonard Tan
Level 6. Master
Answered on 04 Mar 2019
I think this recent article shocked many . One would think that machines following emotionless algorithms would be able to outperform human judgement with emotions mixed within. https://www.bloomberg.com/news/articles/2019-03-01/one-of-wall-street-s-most-popular-trading-strategies-is-now-failing I think this really goes against the tide of what algo trading have been pitching and really shows that Machines at least at this moment- might not posess the capabilities or dataset to consistently outperform humans in making decisions.

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Investments

Is anyone using algorithmic trading (would love to know if it's significantly better than doing it the human way)?
Soon Xiaohui
Soon Xiaohui
Level 6. Master
Updated on 07 Jun 2019
Hello Here's my thought: For algorithm trading - it helps to remove your emotional fears, and it helps you to stick to your trading strategies firmly. but the downside is you must know how to code, it is not the usual programming language. It has little documentation on it. And before you start, you must have firm strategy & trading experience. For manual trading - we may self sabotage our trades by gambling, not sticking to our own rules, forgotten to implement risk management into our trades, etc. And not to mentioned, we may not have time to look at the charts. But the adv is you may trade more profitable trades than algorithm trading as algorithm requires absolute conditions to enter or exit the market. Well even though algorithm trading is tough to code but what I can suggest is why don't you start from modifying some of the trading indicators to improve the accuracy of your trading strategy.

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Investments

Online Brokerages

TD Ameritrade

TD Ameritrade referral code?
Liam Lim Yu Zheng
Liam Lim Yu Zheng
Level 4. Prodigy
Updated 1h ago
Hi anon! Happy to refer as well (referral works, even for those who have ALREADY opened their account). Have done a couple of referrals (we split 88usd in half, so 44 each), so i know the process well (somehow they don't make it so simple like "key in referral code here"). For the referral promo (it takes a few more steps than the following, can fb msg me): -register for a new account at www.tdameritrade.com.sg -select 'Friend' in the dropdown box for 'How did you hear about us?', -send them an email at [email protected](mailto:[email protected]) on the paperwork shown at the end of the online registration for a new account. Just take note that opening an account might take a while (1-2mths?). That said, their free comms, no custodian fees, excellent charting tools, 24/5 support in sg/US, ease of SGD transfer in (via DBS/POSB) + good forex rates (0.1-0.2pips) , make it a desirable brokerage. DYODD!

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Investments

CPF IS

CPF SA

Supplementary Retirement Scheme (SRS)

Stocks Discussion

Online Brokerages

Robo-Advisors

Do you invest with CPF and SRS? Are they different account? Any difference with this two? What do you invest them in? Long term horizon?
Kenny Pang
Kenny Pang
Level 4. Prodigy
Answered 3h ago
Check out these two articles, should answer all your questions above CPFIS - https://blog.seedly.sg/cpf-investment-scheme-cpfis-oa-sa SRS - https://blog.seedly.sg/supplementary-retirement-scheme-srs-tax-relief-promotions-investment-options-comparison I used to pick individual (yes, there are restrictions on what products you can buy) REITs for CPFIS but have since gone into Robos for both as they give me exposure to US markets. Answer to your last question, it's the talked about 1M65/4M65. Transferring from OA and using SA guarantees you compounding interest of 4%. But this is irreversible and you should consider other factors especially if you need to use your OA for housing down payment in the next couple of years for instance.

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Investments

Eg 10k after 3 years will have $10600 + 1.96% p.a. ? Or just simply $10600?
Lee John
Lee John
Level 7. Grand Master
Answered 3h ago
What are you referring to? Any context?

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Singlife Account

Singtel Dash EasyEarn

Elastiq

Savings

Investments

Lifestyle

Regarding products similar to Singlife?
Kenny Pang
Kenny Pang
Level 4. Prodigy
Answered 4h ago
Those 3 are the key ones. There's other cash management products you can consider. Seedly has a post on this - check it out here - https://blog.seedly.sg/cash-management-accounts-singapore

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Investments

Supplementary Retirement Scheme (SRS)

Can I use my SRS to invest by purchasing physical gold or investing a gold savings account?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Updated 2d ago
Q&A Can I make SRS contributions in the form of investments (i.e. transfer investments into my SRS account)? No. All SRS contributions must be made in casg.

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Investments

Tiger Brokers

Is tiger broker trustworthy? Should I move my U.S stocks from InteractiveBrokers?
Kevin Seah
Kevin Seah
Level 5. Genius
Answered 10h ago
Things have been pretty good for me using Tiger Brokers so far. One big plus about Tiger Brokers is that it's interface is superior as compared to IBKR alongside its low fees. Furthermore, it's MAS regulated so we don't have much to worry about!

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Investments

22y/o, nitec grad, 9-12mnth saved, started a FT job 1 mnth ago, gross 2.8, other incomes +300-500, expenses $600, no bad habits, lost 29k+ since 17y/o & scared to invest alr, how to overcome tis fear?
Daniel Kok
Daniel Kok
Level 5. Genius
Answered 9h ago
Perhaps you might want to relook in the reason of your losses to evaluate? Was it too high risk? you can start having some small wins by looking into safer and lower returns instuments. don't give up! :)

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Savings

Investments

ETF

I have 12 months' worth of salary in savings. Now, should I invest everything after expenses or continue saving a portion of my monthly salary and invest the remaining amount?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 10h ago
With a savings account it can be difficult to beat the inflation rate. surely you should first read a lot on investing, which then really is a good option when you can 'park' your funds untouched in a brokerage account for at least 15-20 years. This, because stock market investing was possibly the best performing asset allocation over these long time intervals historically. here is a beautiful primer for novices: https://sias.org.sg/wp-content/uploads/pdf/SIAS3DimensionGuideBookToInvesting.pdf and here I have written up, what not to do with your money: https://seedly.sg/questions/what-is-your-general-investing-philosophy-strategy If you really want to invest into stocks, possibly the lowest risk and best diversification mode is via an MSCI World ETF or MSCI ACWI ETF have mentioned advantageous example ETFs in the link. GOOD LUCK with investing, and always be careful with recommendations your bank or insurance advisors give you, conflicts of interest are inherent in finance industry.

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