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Karan Malhotra

Banking Professional

Karan Malhotra

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Karan Malhotra

  • Answers (24)
  • Questions (3)
  • Reviews (16)

Investments

If you had invested $1000 in Tesla 8 years ago, it would be worth $20,000 today. What are some of the up-and-coming companies, and how do we spot them?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 27 Feb 2020
So to be clear, you would have held on through this? 52-wk high - 968.99 52-wk low176.99 This is ONE year. If you would have held on to Tesla through 8 years of 100%+ standard deviation, you have a special type of risk tolerance that most investors don't. So these kinds of statements are not usually helpful as you can't predict the future.
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Investments

ETF

Stocks Discussion

Regular Shares Savings Plans (RSS/RSP)

DBS digiPortfolio

Which is better: DIY invest @ S$100 /month in each of 4 ETF RSP by Nikko-Am (STI , ABF, REIT, Corp. Bond) for a year on DBS invest saver OR digiportfolio Asia for $4000 at once, if I can afford both?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 27 Feb 2020
Have you considered other robo-advisors? Many offer far more diversified portfolios than the 2 options you've listed here
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Insurance

Savings

General

What are some ways to get good value out of insurance?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 27 Feb 2020
Depends on your goal. What type of insurance? What is the coverage you're looking for? If this seems daunting it may be worth sitting down with a professional to figure this out. At the end of the day, you only get your money's worth when you can sleep peacefully at night knowing your needs are met by insurance. Best case is u never have to use it
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Investments

Investment Courses

Are all the ads I see on youtube for investing- whether in property or investment courses- all nonsense?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 27 Feb 2020
Do your own due diligence, but think of it this way, if the techniques work so well, why do they need to spend a fortune on youtube ads to get people to sign up. If i had a tried and tested way to beat the market, i'm not sure I would announce it to the whole world on youtube. But If i wanted to generate income from teaching investing courses, that's a pretty good idea
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Personal Finance 101

Investments

Marriage

SG Budget Babe

How would you convince your spouse to start investing?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 27 Feb 2020
I would say there are 2 options: 1. Retirement math is extremely helpful and persuasive from what I've seen. So if you can come up with a projection of how much you expect to need in the future, and show how much needs to be saved and invested to reach that goal (versus now) that can be a really powerful motivator 2. You should definitely start investing yourself. If you do well, your spouse may be tempted to sign up, never underestimate the power of FOMO :)
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Investments

DBS

REITs

STI ETF

Stocks Discussion

I recently found that DBS invest-saver (RSP) now offer REIT ETF. (Nikko AM-StraitsTrading Asia ex Japan REIT ETF ) is it wiser to go for the REIT ETF or the STI ETF ?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 27 Feb 2020
Neither: Both are highly concentrated in terms of exposure and i doubt will offer enough diversification. If you'd prefer to automate your investments, you may want to consider a robo-advisor instead
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Investments

Robo-Advisors

Stocks Discussion

ETF

REITs

How sustainable will robo-advisors be in the long term?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 27 Feb 2020
I think there may be some consolidation as there are possibly too many for too few investors in SG, but that does not mean you would lose your money as your holdings are in segregated accounts. It's hard to predict the future but it's reasonable to assume that at least some will make it
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Investments

Technical Analysis

What is YOUR general investing philosophy/strategy?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 27 Feb 2020
There are some great answers here, so I'll just link to this: https://papers.ssrn.com/sol3/papers.cfm?abstractid=3415739 Abstract: compound returns to nearly 62,000 global common stocks during the 1990 to 2018 period, documenting that the majority, 56% of US stocks and 61% of non-US stocks, under perform one-month US Treasury bills over the full sample. Focusing on aggregate shareholder wealth creation measured in US dollars, we find that the top-performing 1.3% of firms account for the $US 44.7 trillion in global stock market wealth creation from 1990 to 2018. Outside the US, less than one percent of firms account for the $US 16.0 trillion in net wealth creation. Almost all the gains come from about 1.3% of stocks, so be careful what strategy you choose! A
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Investments

Stocks Discussion

Recommendations on portfolio tracker?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 15 Jan 2020
Yahoo Finance - Free, comprehensive information on instruments, and let's you change the currency you view it in, create multiple sub portfolios and shows payout info. Folks have recommended stocks cafe which is decent but the free tier only allows a fixed number of holdings beyond which the fee is 39/year
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FSM INVEST EXPO 2020

Stocks Discussion

Why are unit trust providers still so bent on having high fees?
Karan Malhotra
Karan Malhotra
Level 5. Genius
Answered on 14 Jan 2020
I think this is also a question of scale. You can offer 0.03% if u manage 7 trillion USD of assets, but SG being quite small, funds not be able to gather enough assets to lower the fees to an equivalent amount. At the end of the day, expenses for the fund company need to be paid. For example, even an AUM of 1 billion SGD, only generates 300,000 SGD of revenue at 0.03%. But 1.5% generates just enough to pay the expenses and turn a small profit
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