Jump to content

All Activity

This stream auto-updates     

  1. Yesterday
  2. Our two Mining branch warehouses are located in the Netherlands and Hong Kong depending on the models ordered, your order will be shipped from one of these two logistics centres. For processing and delivery times, they are currently 1 working days after confirmation of payment (This time depends on our workload, those of our logistics subcontractors, your payment method and the country of receipt). Certain countries and regions, notably South Africa, Iran, India, Continental Africa, South America and the United Arab Emirates, have slightly longer delivery times Cryptominebit.com Mining containers Https://cryptominebit.com https://cryptominebit.com/product/innosilicon-a10-pro-500mh-s-second-hand/ https://cryptominebit.com/en_gb/product/bitmain-antminer-s19-pro-bitcoin-110th-s-second-hand/ https://cryptominebit.com/en_gb/product/bitmain-antminer-z15-zcash-420-ksol-s-second-hand/
  3. Last week
  4. The bank says the Live Better Academy offers practical tips and strategies to help people make smart financial decisions and achieve their goals. Capitec says the course series can be done on a smartphone, tablet or PC, and requires less than 200MB to complete. Each course is broken into 16 to 20 modules that take between five to 10 minutes to finish. Furthermore, Capitec says to keep the learning entertaining, the platform is gamified. “Users earn points and badges as they engage, complete courses and answer questions. A leader board ranks users according to their total points and users are encouraged to build their knowledge scores, thereby mastering content,” says the bank. The launch of the school comes on the back of the growing economic crisis in the country due to COVID-19, which has seen many lose their jobs. With these circumstances, experts warn managing debt is going to be difficult for many people. Jean Rossouw, head of financial education at Capitec, explains the rationale of launching the academy: “We want to empower people to learn helpful money strategies and key financial principles in a simple and engaging way. “The series has been designed for every level of financial knowledge. Users will walk away with practical information and tools that can help them achieve financial goals by learning to budget, repay debt faster, mitigate unnecessary risk, save for the future, and reduce unnecessary spending. All for free.” Capitec says each month until December, five learners who complete a course will win a R1 000 cash prize. In addition, one person who completes all four courses will win the monthly R10 000 grand prize. A link to the Capitec Academy: https://www.livebetteracademy.com/
  5. For cellphones, you can download the free version of the TrueCaller App (from Google Play Store) that has very effective spam and advertising blocking capabilities. I've been using it for a few months now and I hardly get spam calls anymore on my cell phone.
  6. I've had the same problem with DialDirect. They post me hard-copy adverts nearly every week, and almost daily spam in my inbox, with no unsubscribe option in their mails. I once e-mailed them and asked them to stop, but that simply (seemingly) increased the amount of spam I received. And this has been going on for years!
  7. Starting to receive 3 to 4 calls from these guys a day. Does anyone know where I can report elite mobile to for breach of section 45 of the ECA and the POPI Act? I am honestly getting to the point where I want to take this further because the amount of spam calls and early morning wake up calls that I get from them is just too much. They don’t seem to be part of the ISPA. EDIT: They mention Vodacom whenever I talk to them, and they try and sell me Vodacom contracts, but I am not sure if they are actually part of Vodacom
  8. Earlier
  9. Bandit

    RA vs SA ETF's

    Knowing what I know now I would do it again. Make no mistake, it could've ended badly but for some reason I had very little doubt that it will work out in my favour. Still scary. 1. Cashing out pension Still happy I did it. We have plans to cash out my wife's as well. We are planning to move offshore for a bit (permanently?) but even if we didn't I have do not have enough faith in our government and Reg 28 to provide us with a retirement. Retirement is still 30 years away though. I'd rather sort it out myself. I would never suggest to anybody to cash out their pension (it could be the worst mistake you ever make) but personally I have no love for reg 28. 2. Panic selling This wasn't panic selling. I saw an opportunity and took a calculated risk. All the money was reinvested. Yes I took the opportunity to rebalance but I invested in the same "philosophy" - not in SA. Panic selling implies that one has no plan and making rash decisions. *I bought back in over a couple of days but that's the rough idea. When I bought back in I thought we hit bottom already, but obviously not. 3. RA So I moved my RA to Allan Gray in 2018. As a result the fund is split in two exact same funds - one that just sits there and one for new deposits. This is the lump sum with no additional deposits' performance: Since inception: -0.49% 4. Not adding anymore to RA I've stopped all deposits to my RA btw. Investing that money into my own investments. My new portfolio is up 6.59% over the last 6 months which is not spectacular but the investments are diverse and not bound to reg28 constraints.
  10. Yeah. Don't get why they are changing the name at all. It still has the ASH prefix and the name has a lot of material (podcasts, posts, articles etc) connected to it
  11. I don't know why people are only considering Bitcoin. Yes, it really is a good one to trade with if you have the money for it. There are other, new ones that are really promising like TRON. They are cheap to start with and even if it does not succeed, you will not be losing much. Go to https://investotrend.com/ and you can find a really good article on new promising cryptocurrencies which can bring you some money in the future. Personally I do not have the money to buy bitcoin now and it is still fun to trade with the cheaper ones.
  12. Which also means all the history graphs disappear...
  13. Great... changing the ticker code...
  14. So ASHGEQ will suspend trading on 9 September and the ETF will be replaced with the Ashburton Global 1200 Equity Fund of Funds ETF (ASHEQF) (also launched on 9 September). This is the new feeder fund discussed in the previous post. (Source: ASHGEQ SENS announcement 1 September 2020) We shouldn't notice any immediate difference in our portfolios, I guess, except the change of code from ASHGEQ to ASHEQF.
  15. I received an e-mail now from Tymebank, that they enabled online shopping. Stay home and let your Mzansi and international shopping come to you. Use your TymeBank account to skip amaqueue, earn Smart Shopper Points everywhere you shop and DOUBLE Smart Shopper points when you shop with PnP Online. So try it out, get shopping online and be in front of the line. You’ve got this! The TymeBank team. How to shop online with TymeBank You can now shop online with your TymeBank card, you can shop online internationally and locally. Online shopping checklist Activate your card – add money to it by EFT or at any PnP or Boxer tillpoint. Scan your thumbprint and verify your address at a TymeBank kiosk. When you’re shopping, keep your card close by, you will need to share some of the details printed on it. Check your cellphone for an OTP (One Time PIN). Make sure it is 100% correct. Switch off your e-commerce control button once you’re done and wait for your goodies to arrive. (Remember to slide the button back on the next time you shop). How to shop safely online with TymeBank Don’t share your card number and expiry date in emails, blogs posts, SMSs or chat forums. Don’t trust websites you don’t know. Be aware of scam offers. If it seems too good to be true, it probably is. Use secure websites that begin with https and have a closed padlock in the URL bar. Don’t click on a link that asks you to confirm your banking or personal details. Got an OTP but not shopping online? Report it ASAP on 0860 999 119
  16. Saday

    RA vs SA ETF's

    I'm curious if you've reviewed your rationale recently now that the waters have temporarily calmed. Do you still think you were thinking clearly or do you recognize a little bit of the recency bias and nihilism that drove the choices you made here? I'm speaking with regards to: 1. Cashing out your pension (!) 2. Panic selling from a passively managed portfolio (As an aside, who exactly was "trying to take your money"? 3. Staying invested (due to admin inertia) in the RA while thinking there was no way it could recover (I'm curious to know if it did and if so/not what exactly is your RA invested in and have you looked to tighten up there?) 4. Not wanting to add more to your RA while everything was on sale For the sake of fairness, I'll be transparent that I did nothing during the crash. Literally nothing. Everyone around me was tinkering and saying that I was crazy continuing with business as usual but I just couldn't understand why an investment plan that I made when I was calm and rational, specifically to whether the longterm (a longterm that EXPECTED crashes and "once in a lifetime" global events) needed to suddenly be abandoned. I don't regret that decision. A part of me wishes I'd taken on more shifts so that I could buy more during the dip, but again that wasn't part of my longterm plan so I felt silly even considering it. Even excluding rand weakness, my portfolio is essentially where it was precrash. My RA is shining too... with its 70% local. I think the financial consequences of the last 9 months are far from over but my plan remains the same. If there's anything this storm taught me it's that you have to build a plan that matches your risk tolerance or you'll be prone to making decisions in the heat of the moment that contradict that plan. I'm curious if yours has changed at all with a bit of the tailwinds behind us and a bit more perspective? I think it would be a useful update.
  17. Its been just over a month or so....so far so good
  18. This was an interesting interview RE her position on Bitcoin and the crypto space in general, I wonder what the counter-argument would be? Flux Trends on Smart Cities, AI, Blockchain, Pascal's wager, Radical Economic Transformation and more. https://futurecitiesafrica.com/discussions/bronwyn-williams-trends-and-technologies-impacting-cities-business-and-people.php
  19. Total Expense Ratios (TERs) of all the ETFs listed on the JSE Measure the costs of operating the ETF portfolios, including the management fees and costs of the issuing company. All figures are annualised and normally require that the ETF has a 12-month history in order to calculate. TERs are calculated utilising a standard guideline for all unit trusts and ETFs. The TER is included in price of the ETF product and is not paid directly by the investor. This is as of (June 2020) ╔═════════════════════════════════════════════════════════════════════════════════════════╗ ║ ETF PRODUCTS – TOTAL EXPENSE RATIOS (TERs) (as at June 2020) ║ ╠════════════════════════════════════════════════╦════════════╦═══════════════════════════╣ ║ ETF Product ║ Code ║ TER (% per annum) ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvestGold ETF ║ ETFGLD ║ 0.25 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvestPalladium ETF ║ ETFPLD ║ 0.35 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvestPlatinum ETF ║ ETFPLT ║ 0.30 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvestRhodium ETF ║ ETFRHO ║ 0.75 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest Top 40 ║ ETFT40 ║ 0.28 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest SWIX 40 ║ ETFSWX ║ 0.29 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest SA Property ║ ETFSAP ║ 0.29 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest SA Bond ║ ETFBND ║ 0.29 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest Global Government Bond ║ ETFGGB ║ 0.40 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest S&P 500 ║ ETF500 ║ 0.27 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest S&P Info Tech ║ ETF5IT ║ 0.35 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest Global REIT ║ ETFGRE ║ 0.34 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ 1nvest MSCI World ║ ETFWLD ║ 0.40 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Absa Capital ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewGold ║ GLD ║ 0.30 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewPlat ║ NGPLT ║ 0.40 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewGold Palladium ║ NGPLD ║ 0.40 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Shari’ah Top 40 ║ NFSH40 ║ 0.33 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds S&P GIVI Top 50 ║ GIVISA ║ 0.31 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds MAPPS Growth ║ MAPPSG ║ 0.36 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds MAPPS Protect ║ MAPPSP ║ 0.36 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds Equity Momentum ║ NFEMOM ║ 0.45 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds Low Volatility ║ NFEVOL ║ 0.51 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds Value ║ NFEVAL ║ 0.51 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds GOVI ║ NFGOVI ║ 0.30 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds ILBI ║ NFILBI ║ 0.34 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds TRACI ║ NFTRCI ║ 0.30 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds Volatility Managed Defensive ║ NFEDEF ║ 0.51 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds Volatility Managed High Growth ║ NFEHGE ║ 0.51 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds Volatility Managed Moderate ║ NFEMOD ║ 0.52 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewFunds Namibian Bond ║ NFNAMB ║ 0,10 (projected TERs) ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Absa Capital ETNs ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewWave EURO ║ NEWEUR ║ Not applicable* ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewWave Pound ║ NEWGBP ║ Not applicable* ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewWave US Dollar ║ NEWUSD ║ Not applicable* ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewWave Platinum ║ NEWPLT ║ 0.40 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ NewWave Silver ║ NEWSLV ║ 0.40 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Ashburton Investments ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Ashburton Top 40 ║ ASHT40 ║ 0.13 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Ashburton Inflation ║ ASHINF ║ 0.40 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Ashburton MidCap ║ ASHMID ║ 0.61 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Ashburton Global 1200 ║ ASHGEQ ║ 0.57 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Ashburton World Government Bond ║ ASHWGB ║ 0.51 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Cloud Atlas ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ AMI Big50 ex-SA ║ AMIB50 ║ 0.85 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ AMI Real Estate ex-SA ║ AMIRE ║ 0.85 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ CoreShares ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ CoreShares Global Dividend Aristocrat ║ GLODIV ║ 0.67 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ CoreShares S&P Global Property ║ GLPROP ║ 0.66 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ CoreShares S&P 500 ║ CSP500 ║ 0.35 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ CoreShares PrefTrax ETF ║ PREFEX ║ 0.61 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ CoreShares SA Property Income ║ CSPROP ║ 0.46 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ CoreShares DivTrax ║ DIVTRX ║ 0.55 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ CoreShares Top 50 ║ CTOP50 ║ 0.25 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ CoreShares Scientific Beta Multi Factor ║ SMART ║ 0.55 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ First Rand ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Krugerrand DCC ║ KCCGLD ║ Not disclosed ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ US Dollar DCC ║ DCCUSD ║ Not disclosed ║ ╠════════════════════════════════════════════════╩════════════╩═══════════════════════════╣ ║ * No management fee charged, but interest rate spread of 0,10% to 0,20% charged ║ ╠════════════════════════════════════════════════╦════════════╦═══════════════════════════╣ ║ Satrix ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix 40 ║ STX40 ║ 0.10 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix FINI ║ STXFIN ║ 0.44 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix Capped INDI ║ STXIND ║ 0.43 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix RESI ║ STXRES ║ 0.42 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix SWIX Top 40 ║ STXSWX ║ 0.33 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix DIVI ║ STXDIV ║ 0.37 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix RAFI ║ STXRAF ║ 0.49 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix ILBI ║ STXILB ║ 0.25 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix SA Bond ║ STXGOV ║ 0.25 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix Momentum ║ STXMMT ║ 0.40 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix Property ║ STXPRO ║ 0.28 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix Quality ║ STXQUA ║ 0.36 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix MSCI Emerging Markets ║ STXEMG ║ 0.40 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix MSCI World ║ STXWLD ║ 0.35 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix S&P 500 ║ STX500 ║ 0.25 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Satrix Nasdaq 100 ║ STXNDQ ║ 0.48 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Standard Bank ETNs ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Gold-Linker ║ SBAGI ║ 0.50 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Silver-Linker ║ SBASI ║ 0.50 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Platinum-Linker ║ SBAPLI ║ 0.50 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Palladium-Linker ║ SBAPDI ║ 0.50 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Copper ETN ║ SBACOP ║ 0.50 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Corn ETN ║ SBACRN ║ 0.50 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Oil ETN ║ SBAOIL ║ 0.50 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Wheat ETN ║ SBAWHT ║ 0.50 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix Eurostoxx 50 ║ SYGEU ║ 0.86 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix FTSE 100 ║ SYGUK ║ 0.86 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix MSCI Japan ║ SYGJP ║ 0.86 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix MSCI USA ║ SYGUS ║ 0.86 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix MSCI World ║ SYGWD ║ 0.69 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia (continued) ║ ║ ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix Global Property ║ SYGP ║ 0.26 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix S&P 500 ║ SYG500 ║ 0.20 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix Top 40 ║ SYGT40 ║ 0.22 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix SWIX Top 40 ║ SYGSW4 ║ 0.21 ║ ╠════════════════════════════════════════════════╬════════════╬═══════════════════════════╣ ║ Sygnia/Itrix 4th Industrial Revolution ║ SYG4IR ║ 0.59 ║ ╠════════════════════════════════════════════════╩════════════╩═══════════════════════════╣ ║ Source ETF Issuer Fact Sheets (June 2020). ║ ╚═════════════════════════════════════════════════════════════════════════════════════════╝ You can find a ton more information on ETFs from https://www.etfsa.co.za/ETFs.htm
  20. Just a update on ASHGEQ: The proposed restructuring was approved by the majority of shareholders.This means that ASHGEQ will now become a feeder fund (owning the ETFs that make up the index rather than owning the individual companies). So while the index will remain exactly the same, the management costs and TER for ASHGEQ should now come down significantly. The individual constituents comprising the S&P Global 1200 Index are: iShares Core S&P 500 ETF iShares MSCI Europe UCITS ETF EUR Dist iShares S&P/TSX 60 Index ETF iShares Core TOPIX ETF iShares Asia 50 ETF iShares Latin America 40 ETF SPDR S&P/ASX 50 Fund (Source: ASHGEQ SENS announcement 11 August 2020)
  21. Thanks for the shout out. I hear PCF stopped publishing in SA a while ago. Bummer. Cheers. Mars.
  22. ASHGEQ is only 7% emerging markets. The other 93% is basically the same index as STXWDM anyway. What makes the ASHGEQ so attractive here is that the 7% emerging markets exposure is only the best emerging market companies in the world, so in addition to the 93% that is the same as STXWDM, you're getting a 7% of carefully chosen top performers as well, so out-performance is expected. I think most on this site, as well as Simon Brown and Kristia van Heerden from JustOneLap, prefer ASHGEQ to STXWDM. In fact, Simon and Kristia call ASHGEQ the "One ETF to rule them all" and mention on their website that if they had to put all their money into just one ETF, it would be ASHGEQ. Regarding local ETFs, there are two reasons why some local exposure is important: 1) Most importantly, South Africa has higher inflation than the developed markets. This means higher growth. If a can of beans at Checkers costs R100 now and we have 6% inflation, next year, the can of beans costs R106, and the profit that Checkers makes goes up by 6%, so Checkers grows by 6%. Now, in a country with no inflation (Europe) or 1% inflation (US), that means a company similar to Checkers only grows by 1% because the price of their sales only increases by 1%. Over ANY 10 year period in history, South African market growth has been higher than the developed markets indices, simply because we have higher inflation. As long as the Reserve bank continues their inflation targeting policy at 4-6%, South Africa market growth is expected to be higher than foreign markets. Higher inflation = higher growth. For the same reason, that's why over the long term, emerging markets (which have higher inflation rates) always outperform developed markets. Don't be overly seduced by the high returns of the US in the past two or three years - there are short-term factors at play too - but as I have mentioned, choose any 10 year period in history, and South African growth is higher than the developed markets. 2) South African share prices and growth don't depend on the value of the Rand. If the Rand weakens, your local shares stay the same and your foreign shares make money from the exchange rate. However, if the Rand strengthens, you lose on Foreign shares, but not on local shares. Hence, local shares decrease your downside risk if the Rand strengthens. In other words, local shares reduce your currency exposure risk. With regards to local ETFs, it's anyone's guess which ones will do best. Vanilla ETFs such as STX40 have probably been the ETF of choice up till now, but it has extreme exposure risk due to the heavy weighting of a few companies at the top of its constituent list. Smart Beta's like Coreshare's SMART just haven't lived up to their promises. And then globally, the momentum factor is consistently being shown to perform better than other ETF methodologies, so NFEMOM is probably not a bad choice. CTOP50 is an attempt at doing a top 50 without the concentration risk, which is probably also not a bad idea either. But I think any combination of STX40/CTOP50 and NFEMOM is good.
  23. First off, thanks for the feedback. Thought it best to rather ask for advice before jumping in blindly. Reason for wanting to switch from ASHGEQ to STXWDM was for the bigger exposure to the US (probably a risk I know), then just supplementing with a bit more exposure in emerging markets. All in all, I think I'll stick with my existing portfolio, valid points were made. I'll have to do a reshuffle on some of the percentages though, would love some advice on the local side of things, as you can see my trust in SA just isn't there at the moment.
  24. A few things to think about: 1) Why do you want to sell ASHGEQ in favour of STXWDM? A quick graph comparing the two may suggest that STXWDM is outperforming ASHGEQ, but this is not the case, since ASHGEQ pays dividends, but STXWDM does not. Despite the higher TER for ASHGEQ, the graph looks different once you plot the total return for both. In the graph below (since the inception of STXWDM), the dark blue line shows ASHGEQ before dividends. the light blue line is STXWDM total return, and the grey line is ASHGEQ total return (the return once dividends are included). The longer the time period, the better ASHGEQ has been doing compared to STXWDM (the grey line rather than the dark blue should be considered for the full picture). (Click on the graph to zoom) 2) ETF5IT has had an amazing run in the past year. But just about 40% of it (39.33% to be precise) is made up of just two companies - Microsoft and Apple. Since a large chunk of this ETF's performance has been due to good annual returns of these companies for this year, the annual returns next year may look different, and then the ETF may perform very differently. On the other hand, SYG4IR consists of many smaller, newer, developing companies with (possibly) more potential for long term growth. Also, in STXNDQ, exposure to Microsoft and Apple is less at only 24%, giving a more well-rounded ETF. But I get your point - the two smaller ETF's having only 5% of your portfolio each feels like they are not making any difference, so you want to combine them into one. I'm not convinced that ETF5IT will continue to do better than STXNDQ or than SYG4IR going forward, but I may be wrong. 3) Personally, I like the idea of going 20% with STXEMG. This ETF is one third China, and with emerging markets, the potential for (very) long term growth is massive. However, with this one, patience is the key. If you're planning to sell it in the next 15 years, you may as well just sell it now. This one is for the long haul, but has huge promise over the 15+ year period. Especially considering your new proposed portfolio has 70% in developed markets already, the 20% in STXEMG actually feels small. Interestingly enough, the ETFSA international portfolio product has 20% STXEMG in it. 4) I see you want to drop your local exposure from 25% to 10% by dropping NFEMOM to 10% and by selling CTOP50 and buying foreign ETFs with it. If this is the case, then why not put the extra 5% each into SYG4IR and STXNDQ, making these 10% each, rather than going 50% STXWDM? Also, I assume you have sufficient local exposure in other products (pension/RA) etc. to warrant the drop here? 5) Personally, I prefer your existing portfolio more than your new proposed one. However, if you do want to go only 10% local, if it were me, I'd do: ASHGEQ - 40% STXEMG - 20% GLPROP - 10% NFEMOM - 10% SYG4IR - 10% STXNDQ - 10% 6) Importantly, don't make the mistake of selling the 5% NFEMOM just so your portfolio gets to its new percentage allocation quicker. If you are going to drop the allocation to 10% , just hold on to what you have and don't buy more until it's just 10% of your portfolio. 7) P.S. Welcome to the forum!
  25. If it was profitable then yes, sell off and "reinvent" or keep the ones that you do not like/are duplicated and stop contributing to them. It helps if you theme your portfolio meaning: 80% offshore, 10% local, 10% property... or in your case 80% (50% developed markets, 20% emerging markets, 10% tech stocks), 10% local, 10% property. Get the "theme" right so you know what you want to do and then use the appropriate ETFs to do so.
  26. Hi all, new to all of this and would like some advice. Started filling up my TFSA and it looks like this at the moment. ASHGEQ - 40% STXEMG - 15% GLPROP - 10% CTOP50 - 10% NFEMOM - 15% SYG4IR - 5% STXNDQ - 5% I'm thinking about changing it to this: STXWDM - 50% STXEMG - 20% GLPROP - 10% NFEMOM - 10% ETF5IT - 10% Thoughts? Sell off ASHGEQ, CTOP50, SYG4IR and STXNDQ at a profit (covering the costs) and reinventing it.
  27. I'm still not mentally prepared for what's about to happen in the crypto markets the next 12-18 months. wallets and exchanges are more accessible stablecoins & leverage have 10x'd info sources are more reliable crypto networks have earnings macro narrative is nuts
  1. Load more activity


×
×
  • Create New...