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It makes me feel dumb whenever someone asks me what STI ETF is. It's so basic yet I have to explain to them and better still some of them are even majored in finance! During chatting in bar, friends always brag about the hottest stocks, the next big things, the oil prices. I guess speaking of those things make them feel upscale. But when I talk about market index, they start giving me strange look as if I just murdered their cat. Alright back to today topic. Today I'm going share with you about STI ETF.
If you just started out working or have a sum of money siting in bank and feel like it's not growing anywhere... then consider investing in STI ETF. The average returns you can get based of past 10 years historical data is about 5-8%. If you encounter chicks attempt to sell you investment-link insurance, unit trust or annuity... just smile, enjoy the beauty and then walk away - never buy from them! No matter how pretty they are. Seriously... don't be that carrot head waiting to be chopped. Numbers studies and bloggers have shared about how investors would be better off just by investing in STI ETF. The cost is low (no 'sales' commission), the performance returns are often higher (STI consist of Singapore 30 largest companies by total market prices) and more transparent as price is showed on the stock exchange and you can check it manually and daily by yourself. In term of whether should you invest in lump sum or periodically. I would suggest periodically for a couple of reasons: #1 It makes sense for your cash flow as employment income is paid monthly. #2 You won't get too hard up over your entry price as your cost is averaged throughout your accumulating period. #3 It slowly builds up your investment capital and get comfortable with the market volatility, something that many people underestimate. But I have to emphasis, most people lose money because of letting their emotion making investment decision than bad strategy. Imagine today you invest 20,000 in STI ETF, one week later market collapses by 20%. $4,000 of your investment value gone... You panicked... the media say it going to drop further... the newspaper headlines are shouting companies are firing their employee... Your friends and colleagues are telling you that IT WILL DROP FURTHER SO YOU BETTER SELL! And you do what is best: YOU SELL YOUR STOCKS! #faceplam Never listen to what others say! The public and media don't know shit about the market. You control your own temperament, I know it is easier to say than done.
My advice is NEVER over-invest. Something that investors greatly underestimate. At start you only invest the amount your emotion allows. Not more. As times pass, after going though many years of ups and downs of the market - when your experience and temperament reach a decent level. Then that's the time to INVEST MORE!. Warren Buffett has repeatedly saying investing is about having the right temperament than brain power. Get the right habit when your money is small. So when you have a lot of money you would do the right thing with the RIGHT HABIT you cultivated. If you really want to compound your money successfully. Then start small, invest little and slowly build up size up. And never over invest - if a 10-20% fall in value would cause losing your sleep then you know you have a problem: you invested too much. Cheers GV | 
发表于 3-11-2016 01:53 PM
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