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Your TFIA/TFSA
(01-19-2017, 10:28 PM)Spreadsheet Ranger Wrote:
(01-19-2017, 10:20 PM)Bogle Wrote:
(01-19-2017, 09:30 PM)Hamster Wrote: Link?

Here is the latest factsheet.

And here is the marketing sheet

Does not need to be Sygnia just want to know if anybody else is using something similar.

Is that only available via a TFSA/TFSI or can I buy that fund as part of my normal savings, because it looks like the sort of split I would like to focus on for 5 years as a medium term hold along side my DIY EasyEquities portfolio.

I'm sure its available outside the TFSA, I also have this alongside my DIY EE portfolio. Might also consider investing in it outside of my TFSA as its tax efficient since they can change the asset allocations in a unconstrained manner without CGT penalties since its done inside the fund.

I really like these Sygnia funds, it already seems like a very viable route if you are not up for the DIY ETFs.

(01-19-2017, 10:20 PM)Bogle Wrote:
(01-19-2017, 09:30 PM)Hamster Wrote: Link?

Here is the latest factsheet.

And here is the marketing sheet

Does not need to be Sygnia just want to know if anybody else is using something similar.
I use this: http://www.stanlib.com/MultiManager/Docu...202016.pdf

Looks similar as far as diversification goes

Is anyone using the EE bundles for their TFSA? EE keeps on and on emailing me info on their bundles...

I bought one on my demo money (not the TFSA bundle) in December just to experiment, and the "Aggressive bundle" has gained +-3% since then

(01-20-2017, 07:23 AM)DieWerner Wrote: Is anyone using the EE bundles for their TFSA?  EE keeps on and on emailing me info on their bundles...

I bought one on my demo money (not the TFSA bundle) in December just to experiment, and the "Aggressive bundle" has gained +-3% since then

I'm not personally using it. Wasn't a fan of the additional fees on top of brokerage.

(01-20-2017, 05:25 AM)Hamster Wrote:
(01-19-2017, 10:20 PM)Bogle Wrote:
(01-19-2017, 09:30 PM)Hamster Wrote: Link?

Here is the latest factsheet.

And here is the marketing sheet

Does not need to be Sygnia just want to know if anybody else is using something similar.
I use this: http://www.stanlib.com/MultiManager/Docu...202016.pdf

Looks similar as far as diversification goes

That doesn't have international equities though right?

I use the baskets in our company account with EE, its easy since I can buy Bi-annually and just leave it.

Do not have it in my TFSA there I have DbXWD, PTXTEN and PREFTRAX.

(01-20-2017, 09:16 AM)JCM Wrote: That doesn't have international equities though right?

It does, up to a maximum of 25%
Quote:It is a fully invested, multi-managed equity portfolio managed within the guidelines of the ASISA South African Equity General Sector (currently a maximum of 25% global equity) allowed.

I supplement it with the Global Feeder fund: http://www.stanlib.com/Individuals/whatw...31f8627c97

(01-20-2017, 09:35 AM)Hamster Wrote:
(01-20-2017, 09:16 AM)JCM Wrote:
(01-20-2017, 05:25 AM)Hamster Wrote:
(01-19-2017, 10:20 PM)Bogle Wrote:
(01-19-2017, 09:30 PM)Hamster Wrote: Link?

Here is the latest factsheet.

And here is the marketing sheet

Does not need to be Sygnia just want to know if anybody else is using something similar.
I use this: http://www.stanlib.com/MultiManager/Docu...202016.pdf

Looks similar as far as diversification goes

That doesn't have international equities though right?

It does, up to a maximum of 25%

Is that according to the rand hedged stocks or actual international stocks? Hate it when they only show the top 10 :/

(01-20-2017, 09:37 AM)JCM Wrote:
(01-20-2017, 09:35 AM)Hamster Wrote:
(01-20-2017, 09:16 AM)JCM Wrote:
(01-20-2017, 05:25 AM)Hamster Wrote:
(01-19-2017, 10:20 PM)Bogle Wrote: Here is the latest factsheet.

And here is the marketing sheet

Does not need to be Sygnia just want to know if anybody else is using something similar.
I use this: http://www.stanlib.com/MultiManager/Docu...202016.pdf

Looks similar as far as diversification goes

That doesn't have international equities though right?

It does, up to a maximum of 25%

Is that according to the rand hedged stocks or actual international stocks? Hate it when they only show the top 10 :/
Actual shares.

Check the fact sheets of their underlying funds.

Is anybody here happy with the funds that they chose for their TFSA?

Not just based on returns, but with their choices after researching fact sheets, underlying funds, future plans for those companies etc. 

I did my own research into funds that looked like they should perform well. Only they didn't (NFEMOM, STXIND, CTOP50, all the DBX's, MAPPSG+P etc)

Found this list on some website:
JSE Finance Forum Attachment - Filename: tfsa ETFs - Copy.png   

And charted only a few of the to see happened during the year:
JSE Finance Forum Attachment - Filename: tfsa ETFs 3.JPG   

Feels like I should shuffle my TFSA somewhat this year, when it's time to topup the next R30k.

I think in the long term my choices will pan out, but hell like you have shown, the past year has been so weird all the markets are down yet no one is punting Armageddon, but when I look at my account it surely feels like it.

STXIND - Dead
DbxWD - Red
DbxJP - I have no idea what the hell has happened there the past year

CTOP50 - The JSE is overvalued so I suspect there will be a massive suprise waiting on us later this year.
PTXTEN - Red

The only ETF worth buying is NFEMOM
Register on Platinum Wealth (My referral link)

(01-31-2017, 11:06 AM)Spreadsheet Ranger Wrote: The only ETF worth buying is NFEMOM

NFEMOM is certainly interesting, if you look at the past year's performance:
(What happened during July - September?????, something political? I can't remember...)

JSE Finance Forum Attachment - Filename: nfemom2.png   

I'm considering giving up on my STXIND (at -6.5% currently) and putting it all into NFEMOM or ASHMID or NFGOVI, or something

(01-31-2017, 11:22 AM)DieWerner Wrote:
(01-31-2017, 11:06 AM)Spreadsheet Ranger Wrote: The only ETF worth buying is NFEMOM

NFEMOM is certainly interesting, if you look at the past year's performance:
(What happened during July - September?????, something political? I can't remember...)



I'm considering giving up on my STXIND (at -6.5% currently) and putting it all into NFEMOM or ASHMID or NFGOVI, or something

NFEMOM changed the underlying index they were tracking to one developed at WITS. It is now a much better/smarter ETF in my opinion.

I would do things differently if I started out now but I'll rectify it in the coming months. One thing I'm terribly angry with myself in doing was buy STXIND Sad

DIVTRX can stay
DBXWD can stay (don't think I'll swop it for CSP500)
STXIND needs to DIE! Probably replace it with PTXTEN.

I own NFEMOM outside of my TFSA so not sure if I want or need it inside. PTXTEN and DIVTRX provide income and growth so probably making better use of my tax break having them inside of the TFSA.

I'm not good at reading fact sheets and trying to understand underlying funds etc, but a graph is much easier to read. They seem to follow the same up/down pattern:
6 months comparison vs 12 months:
JSE Finance Forum Attachment - Filename: nfemom vs stxind.JPG   

JSE Finance Forum Attachment - Filename: nfemom vs stxind 2.JPG   






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