Jump to content
  • The JSE Investment and Finance Forum

    Platinum Wealth is the soon-to-be-leading financial forum with an eye on the future of our country and the citizens of South Africa. No matter if the years of trading with just goods have gone by, us as a civilization have always looked towards how to get a better deal, how to have more – essentially to prosper. We have created a bigger platform for you to do so. A connection of your peers giving their tips and tricks for what has helped them reach their finance and investment goals.

    From personal finance and making money, to financial news and small business, we cover it all at Platinum Wealth. Pose your money and investment questions in our money and investment forums, we'll make sure they get answered. We want to guide a new generation of money-conscious readers. We are here to share tips that will help you live large without sacrificing your financial independence.

  1. Finance forums

    1. Investments

      Discussions and questions about stock market investments, tax free savings, and high interest savings accounts.

      3,293
      posts
    2. General Finance

      Discuss general personal finance issues and home accounting not covered on the other finance boards.

      551
      posts
    3. Business Finance

      Discussions about business finance, such as accounts and accounting, business loans, taxes, and related business issues.

      82
      posts
  2. General Forums

    1. News and Current Affairs

      Financial News, Economic Events, Politics of Money, discussions about the latest news and current affairs

      682
      posts
    2. General Chat

      General chat and discussion away from the finance topics.

      1,395
      posts
    3. The Marketplace

      Buy / Sell / Trade - Forum Classifieds. Please read the rules first and follow them. (First sticky thread at the top)

      21
      posts
    4. Introductions

      Introduce yourself to The Platinum Wealth community and say hello. :)

      309
      posts
    5. Site News & Feedback

      Platinum Wealth site news and feedback.

      134
      posts
  3. Cryptocurrencies

    1. Mining

      Discussions about Bitcoin, Ethereum, Zcash, Litecoin and other cryptocurrency mining and hardware.

      177
      posts
    2. Bitcoin BTC

      As the value goes up, heads start to swivel and skeptics begin to soften. Feel free to talk about anything and everything related to Bitcoin.

      425
      posts
    3. Ethereum ETH

      A decentralized platform that runs smart contracts: applications that run exactly as programmed without any possibility of downtime.

      226
      posts
    4. Other Cryptocurrencies

      General discussions about other cryptocurrencies that doesn't fit elsewhere. If enough interest is shown, it will be given it's own section.

      288
      posts
    5. Initial Coin Offerings

      Everything related to active and upcoming ICOs. An unregulated means by which funds are raised for a new cryptocurrency venture.

      200
      posts
  4. Investment Clubs

    1. Platinum Wealth Investment Club

      This is a sub forum for the Platinum Wealth Investment Club

      167
      posts
  • Chatbox

    Load More
    You don't have permission to chat.
  • Who's Online   1 Member, 0 Anonymous, 9 Guests (See full list)

  • About Us

    The mission of Platinum Wealth is to create an Investor Culture in South Africa by equipping fellow South Africans with the knowledge and means to invest for their future today; taking control of their money and enabling a life full of wealth and prosperity. We work closely with Finance companies to ensure relevant, up to date content and answers are always available. We are proudly South African, presented by South Africans for South Africans. Be part of our Finance and Investment Forum it costs nothing and the returns last a lifetime. 

  • Posts

    • @Bandit Thanks so much for the advice, no problem at all do understand the no financial advisor  this is mainly just a thing I play around as well for myself and take advice were I can, other than that I have my Pension Funds who are managed by Financial Advisors, this is mainly just for myself to play around with and to monitor myself.
    • First, just to be clear - I'm not a financial advisor so if you are unsure about any of this stuff you need to ask a pro 😛   That said, that TFSA composition looks good depending on the actual % split. You could for example look at it in this way (all thumb sucked values):   I want 30% South Africa and 70% offshore. I want 15% property exposure, 10% niche/fringe investments and 75% regular shares.   Therefore: Property SA: PTXTEN - 30% of 15% = roughly 5% Offshore: GLPROP - the rest of 15% = roughly 10%   Niche/Fringe These are all offshore, so 50/50? STXNDQ: 5% SYG4IR: 5%   Regular Again all offshore but assuming you had CTOP50 or STXT40 for the sake of the example: SA: CTOP50 - 30% of 75% = roughly 25% Offshore: SYGWD - the rest of 75% = roughly 50%   So: PTXTEN  - 5% GLPROP - 10% STXNDQ - 5% SYG4IR - 5% CTOP50 - 25% SYGWD - 50%   But like I said, completely made up and the SA vs Offshore split may be irrelevant (as in my case). If the amount you are investing is small the above split may attract a lot of fees as well meaning that for the R1000 you are investing it will cost you R20 for two ETFs and R120 for six (again, made up numbers to get the idea across).   The only difference ASHGEQ would make to that setup of yours (assuming you replace MSCI World with it) is add emerging market exposure at the expense of some developed world exposure. To put it in very over simplistic terms: ASHGEQ = STXWDM + STXEMG.   You could do this though if you wanted a hassle free portfolio that just chugs along:   ASHGEQ - 85%  GLPROP - 15%   ...and if you wanted to add South Africa:   ASHGEQ - 50% GLPROP - 10% CTOP50 - 35% PTXTEN - 5%   ...and later when you've built up this boring portfolio to a sizeable amount you start adding Nasdaq etc to it.   Ideally you want to be in a situation where you put this thing on auto pilot via debit orders and rebalance it once a year (every January for example) and forget it exists for the other 364 days a year.      
    • @Bandit I've took your advice and sold some of it now and rather combined it to increase my funds on the other, I've made some decent growth on it so the costs was not that much for me as I still made decent profit by selling it, only lost some on the Quality of South Africa (Satrix) one.   How does the following look?   TFSA: PropTrax Ten S&P Global Nasdaq 100 4th Industrial Rev Global MSCI World   Not sure if I need to get ASHGEQ perhaps somewhere, I know you mentioned S&P 500 best to drop for MSCI World and Nasdaq 100?
    • @Bandit Thank you so much for the advice, really helps! as I feel I am currently all over the place and just want to focus on the big ones as I don't have cash to invest in all of them the whole time, so the smaller I can make it which would benefit the most the better I guess, like yours for example, only invested in 3, I have like 10 which my money is split so much, not the best.
    • I wouldn't say there are too many duplicates, just looks like a shotgun approach.   PTXTEN and GLPROP gives you worldwide property exposure - shap! SYG4IR and STXNDQ are "niche" funds with very good potential - shap!   The Top40 and Quality SA ones are somewhat of a duplication.   Global DivTrax is a subset of the S&P 500. MSCI World Already contains a lot of the top US stocks (S&P500) as well. Not saying you should but you could combine all three of those into the MSCI World OR combine those three and the Emerging Markets one into ASHGEQ which contains developed and emerging market shares from around the world.   You also may want to consider the cost of rebalancing your portfolio. Unless you have a real need it is probably better to just stop funding some of them and carry on funding just the select few you wish to carry on with. But there are various factors like the amount of funds allocated to the ETF, the TER of those extra ETFs, the transaction costs involved, potential tax implications etc. That said, I've done it a couple of times when I started out and lost a couple of Rand in the short term 😛   Disclaimer: Personally I hold the following in two investment accounts:   Regular ETF Portfolio Global Divtrax  (stopped funding in favour of CSP500) Global Property S&P 500   and   TFSA S&P 500 (stopped funding in favour of MSCI) MSCI World Nasdaq 100   So I carry duplications myself but in my case I don't think it is worth selling off the one just to move it to the other. I'll take another look at it again the end of the year (or if Trump does something stupid even by his very low standards). You may (or may not, probably not) note that I do not carry any SA shares in either of these, that's because I have an RA, Pension and a bond all heavily exposed to South Africa. I do hold a bit of funds in a Rhodium ETF and a bit of crypto but these are very small amounts, which sucks since Rhodium is up 47% 
  • Recent Threads

  • Forum Statistics

    • Total Topics
      1,020
    • Total Posts
      8,410
  • Member Statistics

    • Total Members
      1,727
    • Most Online
      6,415

    Newest Member
    Zubair
    Joined
  • Popular Contributors

×
×
  • Create New...