Leaderboard

I've just set my future TFIA payments for the year, and my R33000 per year split (R2750 p.m., although I'm hoping it will increase from March) will be as follows: Local (37.5%) STXIND: 12.5% STXQUA: 12.5% CTOP50: 12.5% Offshore (62.5%) STXEMG: 19.0% ASHGEQ: 18.5% GLPROP: 12.5% SYG4IR: 12.5% My rationale is as follows: I went only 37.5% in local ETFs as my stocks portfolio is mainly in local shares, and over 25 years, I like the diversification of global markets. STXIND: It excludes banks and mines, so is largely unaffected by the Rand value or political noise. It performs purely on the value of its companies. Also, it's been the top ETF averaged over 10 years, and I don't see any reason for it to be any different in the future. STXQUA: A new ETF. Great companies, chosen for quality rather than market cap. High dividends as well as growth, so the upward trend should remain constant, ever in a bear market. Might underperform the T40 in a prolonged bull market run though, since it focuses more on dividends than growth, but should outperform the T40 in a fluctuating market. Still, so far, since inception, it has outperformed T40 on growth too, so I'm not complaining! CTOP50: Companies chosen for market cap (long term stability) as the third prong of my local shares balance. Since I have STXIND, I did not want to duplicate my massive exposure in the top 5 like Naspers by having STX40 as well, so I went for a more equally weighted ETF here to balance out the INDI. I don't like the strictly equal weight ETFs like CSEW40 because they lose out on extended bull runs because companies in these ETFs are not allowed to exceed 2.5% even if the share sky-rockets by 1000%, but this one (CTOP50) has more flexibility than strict equal weight ETFS while minimizing any risk. STXEMG: I think emerging markets will outperform developed markets in the next 10 years. Hence the highest allocation to this ETF. ASHGEQ: ASHGEQ rather than S&P500, because there's too much instability in the US at the moment. I'm worried about Trump and the political situation with North Korea. ASHGEQ may slightly underperform the S&P500 (or it may do better), but at least my money's safe! GLPROP: Had to have some property... SYG4IR: My high-risk ETF. It may never take off, or it has the potential to sky-rocket. This is my 12.5% gamble that may lose me 12.5% or may make me very rich! :-)