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Investments

Any ETFs with a China focus that you would recommend?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered 3h ago
Surely CQQQ, but it is volatile and risky. Maybe less so: PGJ.
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Investments

I am considering investing in NASDAQ ETF - can someone explain the difference btw CNDX vs EQQQ? What are your thoughts on FSM vs SAXO as a platform in this case?
X
X_Y
Level 3. Wonderkid
Updated 15h ago
Key Differences CNDX LN Equity Currency: USD Expense ratio: 0.33% Fund Size: USD 5.50B Securities Lending: Yes EQQQ LN Equity Currency: GBP Expense ratio: 0.3% Fund Size: USD 4.02B Securities Lending: No You may also be keen to look into QQQ US Equity (INVESCO QQQ TRUST SERIES 1). It is one of the most popular ETF for Nasdaq with a USD 118.35B fund size that dwarfs the other 2 ETFs mentioned above, with a lower expense ratio too. QQQ US Equity Currency: USD Expense ratio: 0.2% Fund Size: USD 118.35B Securities Lending: No Additionally, these are some of the important questions to know before deciding which funds to invest in: - How has the NAV (price) 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 Unit Trust) You can find a list of useful charts and checklists to do your own analysis and answer the above questions via this link: https://dl.orangedox.com/fund-analysis-pdfs File Names: -INVESCO NASDAQ-100 DIST (EQQQ LN Equity)update040720 -ISHARES NASDAQ 100 USD ACC (CNDX LN Equity)updated040720 -INVESCO QQQ TRUST SERIES 1 (QQQ US Equity)updated040720 As for which platform is better, I can't comment much as I only use FSM. No harm applying for both and just try them out. To know more about what is Securities Lending: https://www.investopedia.com/investing/role-securities-lending-etf-returns/
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Investments

Syfe

REITs

Syfe backtested REITs portfolio show negative returns every 1 or 2 years when looking at the annual yield. What does this say about the REITs and is there an explanation for such a trend?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered 4h ago
1-2 years is not a sufficient observation period (5-10 years are needed) and possibly the Covid-crisis diluted the performance?
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Investments

Thoughts on VWO?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered 5h ago
There are also sceptics of the Emerging Markets approach. They have high gross domestic product growth rates but also a lot of diverse risks (political, currency/inflaton, etc. ...). I, for my part, do not invest into emerging markets, besides China, which in my opinion will be an upcoming co-world leader.
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Stocks Discussion

Investments

Online Brokerages

Brokerages

SAXO Markets

Interactive Brokers

Standard Chartered Online Trading

Would you recommend IB for someone with AUM less than $100k?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Answered 5h ago
Maybe Saxo or Standard Chartered are appropriate for You. When You look up on the broker pages the complete fee schedules You could really calculated on Your own which one is the best for You. The mainstream ones should all be safe. Expect however upcoming dynamics: I generally feel that all the fees and charges are going down ever more with competition and all those fintechs. Also for an ultra-longterm investor, as You should be, the fees of all the general brokers are already so low, that even the standard ones like POEMS ot FSMOne are completely O.K. for a retail investor. More important is, whether they give You possibility to invest in the U.S. + China + Europe. bye, good luck !
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Investments

Stocks Discussion

ETF

Just started investing, is my portfolio good to go for long term?
Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Jun)

Level 9. God of Wisdom
Updated 5h ago
Hi, dear Anon, principally You seem to follow my own style, besides VTI you choose three technology ETFs. They had and have high potential, expect a lot of volatility but also risk. Possibly You already read my text?: https://seedly.sg/questions/what-is-your-general-investing-philosophy-strategy Standard thinking - i assume - would advise against being invested in such a high share of technology companies, especially as a beginning investor. I would never recommend that allocation to other persons, but to be honest, I for myself choose a similar approach like You. Make extra sure, that You never panic when there is a tech stock or general drop down. Even when Your portfolio should halve stay then with it. Also recognize that You have a lot of overlap with all these ETFs, even VTI has 6 tech companies under it's top 10 holdings: Microsoft Corporation 4.67% Apple Inc. 4.25% Amazon.com, Inc. 3.44% Facebook, Inc. Class A 1.81% Alphabet Inc. Class A 1.45% Alphabet Inc. Class C 1.38% Johnson & Johnson 1.31% Berkshire Hathaway Inc. Class B 1.18% Visa Inc. Class A 1.11% Procter & Gamble Company 0.97% You can calculate Your ETF overlap here: https://www.etfrc.com/funds/overlap.php QQQ & VGT: 48% overlap by weight QQQ & VTI: 34% overlap by weight VGT & VTI: 26% overlap by weight My own thinking is, that technology will always be the driver of progress of societies and economies, thus the high potential. One important point is that the U.S. were always the tech leaders for decades, but can they persist as leader into the future? Surely China will be upcoming, and in the best case scenario there will be a win-win situation by a U.S.-China global codominance. But it could also happen that China soon will be technology leader #1. Then the U.S. tech stocks could drop a lot. As to Your question: the traditional approach was to recommend to retail investors a mixture of stocks and bonds. Bonds for stability, but this stability and performance (5-7% per year in the past) is not valid anymore. My own approach (though I'didnt follow it yet) would be to substitute bonds for gold, as to stability, but there will not be generated income by gold, only costs (for storing safely). Investing icon Burton Malkiel recommends currently to substitute bonds with dividend stocks, or better dividend stock ETFs, which You own already with VTI (1.91% dividend yield per year). Here is an interesting recent podcast where he is interviewed: https://podcasts.apple.com/us/podcast/episode-023-dr-burton-malkiel-host-rick-ferri/id1436401528?i=1000482482893 He was the first one to suggest to stay with average returns (passive investing), which his friend Jack Bogle then enacted with index funds. (They had arguments over ETFs, which interestingly were a no-go for Bogle). What I could recommend: I feel You're in need of better diversification. Some alternatives would be to have more global/other diversification with appropriate ETFs for: global allocation (MSCI World, MSCI ACWI, PGJ, or if technology) China (here it is very difficult to know which index is the best): ?A50, ?CSI300, ?ex state owned, ?PGJ, or technology ETF CQQQ Biotechnology some European exposure Emerging markets possibly are to risky and not better than western countries + China physical gold could be nice REITs (U.S: VNQ, Europe: IQQP, Singapore S-REIT ETFs, global REIT ETFs). As to Ireland domiciled ETFs: they do better, when the dividend yield is high and the TER fees comparable, there is no good definition for 'high dividend' ETFs, however for VOO or VTI with around 2% dividend yield Ireland-domiciled ones have better overall performance when withholding tax is acknowledged. GOOD LUCK, take care !
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Insurance

Savings

Investments

Has anyone used this tool called GoalsMapper? Any reviews please?
Hi anon, I have tried it and it's extremely flexible but most importantly, fast. I do my planning with good old pen and paper, with excel thrown into the mix, and basically GoalsMapper is able to provide calculations in a second, whereas I'd have to play around with my spreadsheets for a minute or so. This can really save time. However, the limitations of goalsmapper are that it is quite defined, so I am not able to easily map out scenarios such as the CPF SA shielding trick inside it, there's just no way to. Worth a shot for a good overview of your situation, but it won't be able to go too deep in terms of details and the finer aspects of planning.
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DBS

DBS digiPortfolio

Robo-Advisors

Investments

Savings

Fresh Graduates

Lifestyle

Retirement

Savings Accounts

Stocks Discussion

Dbs digiportfolio?
You have a long investing horizon! Just take your time to understand the product and read up more on other investment vehicles to see which will suit you best. These days (as compared to my time), there are a lot more sharing among people online on how they're investing, so you can get some insights, which can be helpful in shaping your direction. I recommend joining the Seedly Facebook group for a start, as the discussions there are quite robust. All the best!
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StashAway

Endowus

Investments

Savings

Savings Accounts

Should I put money that i would need in 1-2 years in the MMF?
Hi anon, Yes, you can certainly consider MMF. But you might want to keep it in a SGD denomination as you won't want currency fluctuations to erode your capital amount, assuming that you need the money in SGD. The returns should generally be better than leaving it in a bank account that just gives a 0.05% interest rate. Yes, the returns are not guaranteed, but due to the nature of the underlying assets, the level of risk is low. Just don't expect returns like 2% and you should be fine.
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REITs

Investments

Stocks Discussion

STI ETF

Online Brokerages

Any insights on snail-moving Singapore dividend stocks? Why are these stocks hardly moving at all overall in a week?
Yh.lens
Yh.lens
Level 6. Master
Answered 19h ago
Did you buy the mentioned stocks because of dividend yields? If so you may be in trouble somewhere in the future. High dividend yielding stocks may have unsustainable payout ratios and if their gearing ratio is high (eg >38%~) they may not have enough cash for the short term. For your question, Yes, after Ex Div, the stock price will go down because the cash it was holding was distributed. Stock price should not matter much to you if you are holding a solid, dividend growing Reit/stock. Industrial REITs are defensive in nature and will be suitable for dividend plays. Retail REITs are more cyclical while office REITs are in between the two. Hospitality REITs will really depend on whether travel and tourism is booming but that won't be the case IMO for the immediate future. At the end of the day, come up with your own investing strategy and stick to it. Ignore the market noises and take comments online with a pinch of salt. That said, this is my two cents and you should take this with a pinch of salt too. Hope it helps
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