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Showing content with the highest reputation since 07/10/2020 in all areas

  1. 1 point
    I'm just warming this thread up for when the inevitable hits. @BitcoinZAR hope you have your safety belt on. Goes without saying (stocked up on BTC), but now it's time for the fun bits. I picked up some $TOMO beginning of the year, already an amazing return, but I am going to ride this baby out. (In 2017 I did not sell enough, not making that mistake again in this run) I mean this #DeFi narrative playing now - it's all hype, but it will be an apocalyptic pump, the sad part is people will lose a ton of money again like 2017, so my word of advise is, "don't buy the top, sell it" in other words, if you go into this run with no crypto, keep it that way otherwise you'll get burned, hard. However if you come into this run with bags... many opportunities taking shape now. My moon bags for this run are: $SC $TOMO $CVC $SYS $XRP $ETH $DGB $ZRX $REP $CELR
  2. 1 point
    Thanks for this @SlimArchi Sorry if this is a bit of a thread necro. Is there anybody out there that could explain the figures for tax liability with a practical example of say the following scenario in a tax year: I earn ZAR 1 million from my normal salary. (Number chosen just for ease of calculation, I wish I made that Further, I earn ZAR 800k from US domiciled etf dividends (from let's say SPYD,VOO,SPHD,etc) and another 200k from REITs, (thus together totaling another ZAR 1 million). (From what I understand and have seen, because the US has a tax treaty with SA, withholding tax is calculated at 15% by the US broker and withheld from the dividend payout to your brokerage account) Thanks
  3. 1 point
    Agreed. SYG4IR invests in companies like Tesla, that has never had a profitable year and constantly loses money, but is growing at an amazing rate due to massive investment in the company. It may be true that it is not sound to invest in companies that are making a loss, but the growth potential here is phenomenal, and if Tesla becomes profitable one day, it may become the world's No. 1 company. I guess as long as this type of ETF doesn't make up the bulk of one's portfolio, or unless you have discretionary funds that you are willing to expose to some risk, it's definitely worth having some, in my opinion.
  4. 1 point
    He's probably right but who cares - it's making me money
  5. 1 point
    So let's see: TFSA +28% ETF5IT (42%) ASHGEQ (55%) STXEMG (3%) The growth here was helped by timing the crash and dip earlier this year and time. Portfolio #1 +8% SYGWD (27%) SYG4IR (42%) STXCHN (31%) Portfolio was started after the crash, so gains are partly due to the recovery (maybe?) and the recent growth we've seen over the last week. Portfolio #2 +77% ETFRHO (95%) DCX10 (5%) Ah yes, portfolio 2. Otherwise known as my **** around portfolio. Growth is largely from past performance of ETFRHO and it's been stuck in the +70 range for a while. I reckon the party is over but scared of capital gains.
  6. 1 point
    Yes, you can either phone the bank and ask them to take an debit order of X Rand each month (X being any amount you choose) or you can just EFT a higher amount.
  7. 1 point
    Once you've already got the bond, you're in a much better position to negotiate as it's much easier to move a bond than to get a new one. My Colleague and I approach the banks every five years to see if anyone's interested in our bond. Last year, my Colleague moved one of her properties that she has had for 5 years from a bank to SA Home Loans. They waived the admin fees, so the only fees my Colleague had to pay was the bond costs, and that they included in the bond. They dropped her interest rate by 2%, since she was above prime rate with the other bank.
  8. 1 point
    Have you tried SA Home Loans? It's their business and in my experience they will beat any quote (at least from everyone I've spoken to, including my own experience.) My wife and I have a joint home loan and we're now paying 6.75% and that's with her having her own business (not salaried).
  9. 1 point
    So this year, the markets have gone crazy, but not altogether bad from an ETF point of view. However, the more the markets do wild things, the more I've been inclined to go for vanilla ETFs. I think I've only made one or two big changes since last year, namely selling my Coreshare's SMART ETF in favour of the Satrix Top 40, and then reducing my allocation of property (CSPROP) from 25% to 15% (I didn't sell - I'm just not buying at the moment until it's less than 15% of my total portfolio.) I used the extra 10% allocation from property to buy Satrix Nasdaq (STXNDQ). So at the moment, most ETFs are doing really well, especially the foreign ones. My Tax Free investment portfolio and it's performance (total return) looks as follows: Local ETFs (Total 45%): 10% Satrix Top 40 (STX40) - Performance in my portfolio: +0% 10% Newfunds Momentum (NFEMOM) - Performance: +7% 10% Satrix Quality (STXQUA) - Performance: -10% (Even though this is currently down, I don't want to sell this because I love the shares in this basket and see long term potential.) 15% Coreshares Property (CSPROP) - Performance: -22% (Would be much worse if not for the massive dividends). Foreign ETFs (Total 55%): 25% Ashburton Global 1200 (ASHGEQ) - Performance: +22% 10% Satrix Emerging Markets (STXEMG) - Performance: +27% 10% Satrix Nasdaq (STXNDQ) - Performance: +44% 10% Sygnia 4th Industrial Revolution (SYG4IR) - Performance: +51% ( I know Simon Brown always slams this one as just being popular rather than having actual merit, but it's been my best performing ETF and continues to perform, despite the measly dividends. I don't think I'd be comfortable with it being more than 10% of my portfolio though.) Things that I've noticed that have happened in my portfolio this year: Foreign markets have vastly outperformed local markets this year. Emerging market are outperforming developed markets this year, despite COVID (to be expected in the long term, but surprising given the current pandemic.) Tech ETFs are outperforming everything else by far. Changes that I'm going to make: I'm going to buy some Satrix China (STXCHN) after its launch tomorrow, but I don't think I'll put it in my TFIA, as it would go against my diversification policy within my TFIA. But I'm definitely going to buy a fair amount of this ETF outside of my TFIA.
  10. 1 point
    The 70% equities, 20% property and 10% interest bearing is the classic split. But yes, I suppose 10% dividends would make it 80% equities. But there's certainly nothing wrong with 80% equities! I'm torn between STX40 and SMART. I really like a 50/50 split between these two. PTXTEN is now merging with PTXSPY to create a new ETF (tentatively coming into effect from end July 2019). The new one is pretty much the same index as the Satrix STXPRO. Coreshares has promised to lower the relatively high TER with the merge (probably to compete with STXPRO). But you may as well flip a coin here between PTXTEN or STXPRO or watch the TERs once the new Coreshares ETF has settled in. For the dividend ETF, both DIVTRX and STXDIV are decent choices. DIVTRX targets more consistent yields in the longer term whereas STXDIV targets higher yields in the shorter term. And then again, although STXQUA is not strictly a dividend ETF, it's dividends are usually excellent. In my opinion, STXEMG has the most long term potential (although high risk), possibly even more so than tech shares. If you have a bit of appetite for risk, why not do 10% STXEMG, and then leave the ASHGEQ and go for STXWDM and/or S&P500. GLODIV has been doing really well lately and is likely to continue. Not so great in a TFIA though as the unpleasantly high foreign withholding tax on dividends negates a large chunk of the tax benefits though, but it still does have excellent capital gains, so maybe still even worth having in a TFIA. I personally like having a bit of a mix in my ETF portfolio. If I were you, I'd mix it up a little and make it a bit more exciting. What about something like: Local equities: 20% STX40 and 20% SMART Local property: 20% PTXTEN Emerging markets: 10% STXEMG Offshore: 15% CSP500 and 15% STXWDM (or alternatively 10% CSP500, 10% STXWDM and 10% GLODIV) Or if you don't like STXEMG but prefer slightly less emerging markets exposure, but still want some: Local equities: 20% STX40 and 20% SMART Local property: 20% PTXTEN Local dividends: 10% DIVTRX Offshore: 30% ASHGEQ
  11. 1 point
    Haven’t seen a post under here for a while nor have I said anything for a while... Anyways- I’ve decided to give my ETFs some serious thought and this is what I’ve come up with (I’m open to all suggestions). I want my overall exposure to be 70% local and 30% offshore. Then, under both local and international holdings I was thinking about having 70% equities, 20% property and 10% dividends. Or not including the dividends because most of these would be under equities anyways and then having maybe a 80/20 split? For local: Satrix Top 40 and maybe the Coreshares Smart (equally weighted) - I know these are basically the same, but I don’t want over exposure to one share nor do I just want equally weighted, so I thought that mixing the two would give a bit of a better mix. Then for local property Coreshares PropTrax10 And if dividends perhaps Coreshares Aristocrats? International I’m a bit confused about because I’d still like a bit of emerging markets as well. So maybe: 1) Ashburton global 1200 2) Sygnia S&P 500 (I know Ashburton would have quite a few American companies in it already) For international property I’m thinking about Coreshares S&P Global And dividends would be Coreshares again or maybe an ETF from Satrix. Is this too complicated of a mix and should I rather just aim for 1 or 2 ETFs for local and international? I am trying to keep the portfolio moderately simple!
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