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Bandit

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Everything posted by Bandit

  1. https://techcentral.co.za/jse-now-has-a-listed-cannabis-stock-as-labat-turns-to-pot/92357/
  2. JSE: LAB https://www.google.com/search?q=jse:+lab&tbm=fin Got some for 58c. Will probably go up in smoke but might reach a very nice high.
  3. Bandit

    JSE Top 40 Data

    Unless you collect it yourself or ask somebody like Patrick at InvestorChallenge who maybe has it (via an ETF like STX40), you'll unfortunately have to ask the JSE... ....and the JSE doesn't do anything unless you pay them: https://www.jse.co.za/content/JSEFormsItems/Historical Data Order Form.pdf https://www.cmegroup.com/market-data/third-party-data-johannesburg-stock-exchange.html
  4. You can buy half a pure bred Chihuahua from a breeder for R1499.
  5. Bandit

    FNB eBucks

    Use your credit card when shopping and paying for stuff and settle it at the end of the month. If you are buying something online, for example, you often have the option of paying via EFT. If you do you'll get no eBucks for it. Use your credit card for everything. You can maximise earnings even more by getting revolving loans and overdrafts. Don't fall for it - no debt trap is worth more eBucks.
  6. I was just "stirring" Friendships and relationships take heavy strain between 25-35.
  7. This is cool. Although I doubt it'll work for us - it looks bigger than the Chihuahua
  8. I'll settle for a better interest rate on my car or home loan...
  9. Paul Hjul in the house! How's DJ? EDIT: ...
  10. I have both although I may not have given Discovery a fair chance with regards to rewards so far. But that doesn't matter because their service just isn't even close to FNB. I'm sure they'll get there in time but so far Discovery Bank has been a massive waste of time for me. It's funny because people used to say eBucks is complicated - wait until you try Vitality Money. It's all relative to spend etc. but I'm on level 5 eBucks and get about R500 worth of it back every month without doing anything special. I can more than likely maximise it and get exponentially more every month but I don't go chasing rewards for the sake of good financial habits (overdrafts, revolving loans etc). Anyway, I can tell you this: If you don't fully commit to Discovery then don't bother. FNB's app and integrated services are light year's ahead. FNB's support is better I'm more than likely cancelling my Discovery card as soon as I can figure out how... So my vote is FNB + Tyme over any other banks in South Africa.
  11. Didn't think about that... ok fine, you'll do
  12. Competition time! https://bidorbuy.co.za/birthday
  13. DCX10, Magda.... all we need now is for Magnus to join Welcome
  14. Discovery gives decent rates as well it seems but early days.
  15. Don’t think there is any recommendation other than that you should continuously save and invest. A debit order is very convenient and hassle free so why would you not go this route?
  16. I haven’t contributed to these in quite a while:
  17. Your provident fund has a lot of SA exposure already. So I personally would look at offshore exposure: 90% STXWDM - tracks the shares of the developed world (USA, Europe, Japan etc). Solid long term investment unless the world goes to shiaat. 10% STXNDQ - tracks the top 100 Nasdaq shares (Facebook, Google, Microsoft, Uber etc). Potentially very good growth (or terrible). Over 5+ years that should deliver decent returns (DISCLAIMER: I won both).
  18. Yeah, it's way too much effort to watch it the whole time. What would be nice is if EasyEquities gave us an API to automagically trade it with algos
  19. Initial lump sum and then monthly debit order.
  20. Don't worry if the price is too high guys, I added some funds to it this morning so it's sure to take a nose dive now.
  21. Bandit

    ETF Assistance

    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.
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