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@oof_what You need to switch from the fixed-fees structure to tiered-fees structure. It's somewhere in your trading settings.

@gift2christian VWRA is denominated in USD, so you need to look at the first table under Europe. As you can see, minimum is USD1.70. Then you need to add the exchange fees for LSE (last link before the section transitions to Asia Pacific). There you can see it's min GBP 0.10 per order, which is...

@veenesse Find out if your work-related transport costs are reimbursable, and if they are not, make sure they are. Pergi balik office home for sure cannot claim, anything else should be claimable. That's about RM13 per day. Don't compromise your nutrition... Is this for romatic purposes...

@ruenie88 Why gold? Are you only doing it because someone else is doing it? Why do you think gold is a good 'investment'?

@jmarie19681 I've been cautious about recommending Wise to deposit USD ever since IBKR question me macam macam about it.

@sprinter1970 2023 headline inflation was 2.3%, which means real returns from EPF dividend is 3%, higher than the target of 2% above inflation. https://www.nst.com.my/business/economy/2024/01/1004180/malaysias-inflation-rate-remained-15-pct-dec-2023-dosm

@jmarie19681 All $0 commissions. The convenience that IBKR/TIGR has over the ones you listed is that IBKR/TIGR accepts deposits in SGD, which is accessible to us Malaysians via CIMB SG. All others only do USD deposits and that requires a US local bank account, or wire transfer from our local...

@reallivegirl On Day 0 itself, you already start with -5% P/L due to sales charge. As unit trusts tend to be actively managed funds, over the long run active funds tend to underperform passively-managed index funds, after fees. It is also unlikely one is able to pick a long-term top performing...

@resjudicata Even better is you can stake the mAssets and earn staking rewards. My problem with Mirror/Terra in general is that the gas is a % of the transaction amount. Also you can only buy mAssets during trading hours, kinda defeats the purpose of tokenisation. The kicker is your mAssets...

@yourfatcousin Stop your unit trust, and divert that monthly RM200 to a StashAway Flexible Portfolio one-fund portfolio consisting of 99% ISAC and 1% cash. Build your emergency funds with your ongoing FD and Versa Cash deposits.

@osh Make partial payment and see if it works. My bet is on it isn't eligible, being categorised under type b) or type j). The guiding principle is that there isn't a legitimate merchant at the other side of the transaction. They want you to use it directly to make business/retail transactions...

Was making a compilation of US brokerage fees now that Rakuten Trade has officially enabled their US trading feature. Thought to share with the community here. The below commission minimum totals are in USD (in the case of Rakuten trade, converted from MYR), and includes stamp duty and clearance...

@zionpeter Just to be clear, you pay the 0.8% SA management fees on top of the expense ratios charged by the individual ETFs.

@miho When you say "copy", you mean copy what individual stocks they buy? If so you're in for a bad time. EPF's portfolio is large enough that their winning trades can compensate for their losing trades. Do you plan to copy every of their trades in the same proportion? Also, the way these...

@tonyangiano The returns I quoted for VT and SPY are in Ringgit, year-to-date (since we're comparing 2023 performance), so the 17.86% are inclusive of forex impact. You can get a better idea for how different instruments perform by using TradingView's compare function, and normalise them by the...

@tonyangiano Is that 6.74% for your equities portfolio total returns? Or only dividend yield? Comparing YTD Total Returns in MYR (i.e. price returns + dividend yields): Ticker TR % Benchmark -> VT 17.86 Benchmark -> S&P 500 24.70 OP's PORTFOLIO 6.74 UCHITEC 15.28 MAYBANK 11.52...

@setst777 From a quick glance, there is Custody fee at 0.06% on daily portfolio value, charged daily. Also commission is min 4USD to a max of 100USD, calculated at 0.06% for share price > 10USD, and 0.01USD/share is share price < 10USD. 2x the commission of IBKR TSG/Tiger Broker. But need to pay...

@westmedsupply Regarding your current asset allocation of VOO, QQQ, and SCHD, I hope you realise there is a huge amount of overlap between these 3 funds. You can consolidate everything into the VTI ETF to ensure almost 100% coverage of US stocks, unless your overweightage of QQQ and SCHD is...

@peacefulrestlessness You are absolutely right. Silly me for trusting their info page. Their TER hasn't been below 1% for several years already lol. Though the performance vs the KLCI isn't actually that bad. Just scrubbing through on TradingView compare, the ETF seems to outperform the index...

@_ari The Bursa-listed FBMKLCI ETF has an ER of 0.5%, which matches the 0.5% ER of EWM ETF listed on the NYSE. It's about as good as it gets for Malaysia ETFs. There are many reasons why they can't go lower than that, among others the lower liquidity and maturity of the Bursa. Lower ER products...