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Investment Strategist Email: [email protected]

X_Y

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Investment Strategist Email: [email protected]

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X_Y

  • Answers (33)
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Investments

Online Brokerages

ETF

STI ETF

DBS Vickers Securities

Regular Shares Savings Plans (RSS/RSP)

Hi I’m a fresh graduate that has just started working. Has just made a lump sum investment on NIKKO STI ETF ($7k) at $2.6 per share and going to DCA at $300 monthly. Anyone has advice on Nikko AM STI ETF Investing Strategy?
X
X_Y
Level 5. Genius
Answered 1d ago
I have done up some charts on this fund that can help with your capital allocation. The charts aim to answer the following questions: - How has the NAV been trending since inception? - How has the fund been performing quarter on quarter since inception? - How has the dividend been trending since inception? - How has the fund size been growing? - What are your probabilities to make/lose money? - What are your average (+) and (-) returns? - Is your fund outperforming or underperforming the benchmark? (For Actively Managed Funds) Link: https://dl.orangedox.com/fund-analysis-pdfs File Name: NIKKO AM SINGAPORE STI ETF (DBSSTI SP Equity)update040820
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Investments

Stocks Discussion

Online Brokerages

S&P 500 Index

Interactive Brokers

New to investment, choosing between VUAA (S&P 500) or VWRA (FTSE AW)?
X
X_Y
Level 5. Genius
Updated 4d ago
Don't worry about the diversification aspect of VWRA. It's not as 'diversified' as you think. The United States GDP is 24.26% of the world economy (source: TheGlobalEconomy), with big MNCs around the world. Getting into the S&P 500 provides you with enough diversification. Just look at the correlation of VWRA LN vs VUAA LN. It's 0.9770. ! You can get more charts of these 2 funds via the following link and make comparisons to decide which one you want to commit capital into. Link: https://dl.orangedox.com/fund-analysis-pdfs File Names: VANG FTSE AW USDA (VWRA LN Equity)updated020820 VANG S&P500 USDA (VUAA LN Equity)updated020820 Via the link, I tackle the following questions: - How has the NAV been trending since inception? - How has the fund been performing quarter on quarter since inception? - How has the dividend been trending since inception? - How has the fund size been growing? - What are your probabilities to make/lose money? - What are your average (+) and (-) returns? - Is your fund outperforming or underperforming the benchmark? (For Actively Managed Funds)
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Investments

Insurance

Is AIA global technology fund worth of investing for long term? Where can I see the performance for the past 10 years?
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X_Y
Level 5. Genius
Updated 6d ago
There are many Tech ETFs in the market for you to choose. I guess the only reason you decided to choose an ILP fund is for the coverage and positive performance of the fund manager. Of course, less the lock-in period and costs incurred on ILP premiums. Objectively, the fund manager has been doing his job well in outperforming the benchmark (MSCI World Information Technology Index, MXWO0IT Index) ! As for investing in the long-term, no one will have a crystal ball. However, based on the full historical data of this fund: -There are 79 quarters worth of data of this fund since its inception in 2000 -57 quarters (including current) are positive. The probability to make money: 57 / 79 = 72.15% -21 quarters are negative. The probability to lose money: 21 / 79 = 26.58% -Therefore you know that the odds are in your favour to build in your position in the-long-term You can find a list of charts and a checklist of this fund via this link: https://dl.orangedox.com/fund-analysis-pdfs File Name: AIA GLOBAL TECHNOLOGY FUND (AIAGTEC SP Equity)updated310720 Via the link, I tackle the following questions: - How has the NAV been trending since inception? - How has the fund been performing quarter on quarter since inception? - How has the dividend been trending since inception? - How has the fund size been growing? - What are your probabilities to make/lose money? - What are your average (+) and (-) returns? - Is your fund outperforming or underperforming the benchmark? (For Actively Managed Funds) Hope it helps.
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REITs

ETF

Stocks Discussion

Investments

What do you all think of NikkoAM-StraitsTrading Asia ex-Japan REIT ETF (CFA) ? Worth to buy and keep for long term?
X
X_Y
Level 5. Genius
Updated 6d ago
Quote from Singstat.gov.sg "The real estate industry also expects the business situation to be less favourable for the period of JulDec 2020. Firms engaged in the rental of commercial and office premises foresee downward pressure on rental rates due to weaker demand for commercial and office spaces. " I gathered the data from https://www.singstat.gov.sg/find-data/search-by-theme/industry/business-expectations/latest-data and plotted the full historical chart for General Business Outlook (Real Estate) - 1995 1Q to Present. The trend looks bearish, but maybe a potential trough? ! Next, I added an overlay of NikkoAM-StraitsTrading Asia ex-Japan REIT ETF (QoQ%). Seems like the fund may not have a good Q3 with General Business Outlook still pointing lower. ! Additionally, I have other charts that answer the following questions on your fund: - How has the NAV been trending since inception? - How has the fund been performing quarter on quarter since inception? - How has the dividend been trending since inception? - How has the fund size been growing? - What are your probabilities to make/lose money? - What are your average (+) and (-) returns? - Is your fund outperforming or underperforming the benchmark? (For Actively Managed Funds) You can get them via this link: https://dl.orangedox.com/fund-analysis-pdfs File Name: NIKKOAM ST A E JP REITETF-SG (AXJREIT SP Equity)updated300720
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Investments

ETF

Regular Shares Savings Plans (RSS/RSP)

Stocks Discussion

Is it really worth it to invest in VOO or other ETFs via a regular shares savings plan? Or is it better to invest a lump sum and hold it for the long term?
X
X_Y
Level 5. Genius
Updated 1w ago
If you are investing for the long-term, do RSP. Build your position slowly and gradually to avoid large swings in your PnL. However, RSP need not be just plain vanilla fixed cost investment every month/quarter. It can be improved with some simple calculations. I have written this example in many other posts, you can refer to them via my profile. Let's use VOO US as an example. Before everything else, it will be great to gather the full historical data of this fund at https://sg.finance.yahoo.com/quote/VOO/history?p=VOO . There are no short-cuts in investing, gather data, analyze them and do your homework. It's worth it. -This fund is incepted in 2010 -Since then, there are 40 quarters worth of data in this fund -33 quarters (including current) generated positive returns. Probability to make money in a quarter: 33 / 40 = 82.5% -7 quarters generated negative returns. Probability to lose money in a quarter: 7 / 40 = 17.50% -The average (+) and (-) returns are currently at 5.87% and -8.18% respectively. -From this simple analysis, you know the odds are in favour of positive quarters. Therefore, stick to a fixed RSP amount between the white zone. This represents times of 'normality'. When the price goes above the average (+) return level (green zone), reduce your RSP investment as price is slightly overextended. When the price goes below the average (-) return level (red zone), increase your RSP as such times are extremely RARE. ! Note: As you consistently update your data, the average returns will change accordingly. A good habit to keep track of how things are moving in the market from time to time. Hope it helps. You can get more charts of this fund over here: https://dl.orangedox.com/fund-analysis-pdfs File Name: VANGUARD S&P 500 ETF (VOO US Equity)updated290720
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Investments

ETF

Online Brokerages

Does it matter when you buy in for IWDA ETFs (quarterly DCA) if planning to hold long?
X
X_Y
Level 5. Genius
Updated 2w ago
Agree with Frankie Rappaport. If you are planning to hold for long, it's important to smooth out your portfolio volatility by buying in at different price points and periods. People who enter a large lump sum at once are those who are trying to time the market. If they are right, they reaped in profits quickly, and if they are wrong they lose everything quickly too. Not to mention also the psychological roller coaster for years. If you are doing quarterly DCA, I can help you out a little to improve your approach. IWDA LN: -There are 44 quarters worth of data in this fund (incepted in 2009) -34 quarters are positive (including current quarter) - 77.27% of total quarters -10 quarters are negative - 22.73% of total quarters ! By calculating the probabilities of both funds using their full historical data, you know that the odds are stack in your favour by DCA-ing gradually. Stick to a fixed amount within the green (upper) and red (lower) dotted bands. They are the average (+) and (-) returns and represent "normal times". When the price drops below the lower band, increase your DCA amount because such times are rare, and you need to take advantage of it knowing the odds are still favouring the upside. When it goes above the upper band reduce your DCA amount because it's hinting you based on the full historical data, price is overextended and most probably is going to revert back downwards. A useful strategy to use on an up-trending counter. Hope it helps. You can get more charts of this fund over here: https://dl.orangedox.com/fund-analysis-pdfs File Name: ISHARES CORE MSCI WORLD (IWDA LN Equity)updated260720
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Investments

ETF

Stocks Discussion

Online Brokerages

I have decided to do DCA into some ETFs and some stocks, any thoughts on my portfolio?
X
X_Y
Level 5. Genius
Updated 2w ago
Great idea to do DCA. Let me help you out a little here to improve your DCA approach. VOO: -There are 40 quarters worth of data in this fund (incepted in 2010) -33 quarters are positive (including current quarter) - 82.50% of total quarters -7 quarters are negative - 17.50% of total quarters ! VT: -There are 49 quarters worth of data in this fund (incepted in 2008) -37 quarters are positive (including current quarter) - 75.51% of total quarters -12 quarters are negative - 24.49% of total quarters ! By calculating the probabilities of both funds using their full historical data, you know that the odds are stack in your favour by DCA-ing gradually. Assuming you have $200 to invest every month. During periods of "normality" which is dictated as the range between the dotted lines (average (+) and (-) returns), stick to $150 per month. When the price goes above the average (+) return, reduce to $100 because it shows that the quarter is overextended and odds are that price may retrace soon. On the other hand, if the price goes below the average (-) return, increase your amount to $200 because such opportunities are rare. Of course, you can adjust your amount accordingly but stick to this framework. Moving on to the lump sum investment into First Reit. I did a quick comparative analysis across Health Care REITs in the Asia Pacific Region (Developed Countries) ! First Reit is trading at a discounted P/E at 10.43 against the regional average of 13.63. Worst 1 YR Rev growth (-0.78) and 2nd worst 1 YR EPS growth (-41.15). Since the majority of its business is conducted in Indonesia, it seems to be that they are having some issues there. Therefore, you should focus on building a strong thesis to support why other investors are selling First Reit while paying a premium above the regional average for stocks such as Parkway Life Estate. Hope it helps. You can find a number of useful charts that I have used here: Link: https://dl.orangedox.com/fund-analysis-pdfs File Names: VANGUARD S&P 500 ETF (VOO US Equity)updated250720 VANGUARD TOT WORLD STK ETF (VT US Equity)updated250720
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Investments

ETF

Bonds

(ETF Discussion) SGX: ABF SG BOND ETF (SGX: A35)?
X
X_Y
Level 5. Genius
Answered 2w ago
Did up some charts on this fund for anyone interested to answer some of the following key questions: - How has the NAV been trending since inception? - How has the fund been performing quarter on quarter since inception? - How has the dividend been trending since inception? - How has the fund size been growing? - What are your probabilities to make/lose money? - What are your average (+) and (-) returns? - Is your fund outperforming or underperforming the benchmark? (For Actively Managed Funds) Link: https://dl.orangedox.com/fund-analysis-pdfs File Name: ABF SINGAPORE BOND INDX FUND (SBIF SP Equity)updated230720
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ETF

Investments

REITs

(ETF Discussion) SGX: NikkoAM-STC Asia REIT (SGX: CFA)?
X
X_Y
Level 5. Genius
Answered 2w ago
Did up some charts on this fund for anyone interested to answer some of the following key questions: - How has the NAV been trending since inception? - How has the fund been performing quarter on quarter since inception? - How has the dividend been trending since inception? - How has the fund size been growing? - What are your probabilities to make/lose money? - What are your average (+) and (-) returns? - Is your fund outperforming or underperforming the benchmark? (For Actively Managed Funds) Link: https://dl.orangedox.com/fund-analysis-pdfs File Name: NIKKOAM ST A E JP REITETF-SG (AXJREIT SP Equity)updated220720
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Investments

ETF

REITs

(ETF Discussion) SGX: LION-PHILLIP S-REIT (SGX: CLR)?
X
X_Y
Level 5. Genius
Updated 2w ago
Did up some charts on this fund for anyone interested to answer the following key questions: - How has the NAV been trending since inception? - How has the fund been performing quarter on quarter since inception? - How has the dividend been trending since inception? - How has the fund size been growing? - What are your probabilities to make/lose money? - What are your average (+) and (-) returns? - Is your fund outperforming or underperforming the benchmark? (For Actively Managed Funds) Link: https://dl.orangedox.com/fund-analysis-pdfs File Name: LION-PHILLIP S-REIT ETF (SREITS SP Equity)updated220720
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Level 5. Genius
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