Bandit

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Go see a financial advisor regardless, preferably an independent one. There's a lot of stuff they know that you and I don't and you don't need to sign any papers you are not comfortable with.

I'm just waiting for the ANC to complain about the name on the voters' ballot Bei g to similar to theirs: ADC ANC That should equalise the "uneducated" vote in this country

http://www.news24.com/SouthAfrica/News/makhosi-khoza-launches-new-party-vows-not-to-make-same-mistakes-as-anc-20171201

Stealthy...so you can creep up on traffic stops without anybody noticing

By just sending an EFT or do you go to Luno first and do the whole deposit thing on there?

But this one came in red

That... Renault Kadjar

Honda car: trade in done Honda bike: sold I'm liberated!

LMAO!!!

How long does it take for them to approve the FICA docs etc?

Who here uses Altcointrader?

It's actually not that difficult and Bloomberg's Watchlist does it for you: That's for my TFSA. I've been concentrating on my unit trusts so kinda just been buying MSCI World the last while (well, stopped buying the DBX/Sygnia one and switched to Satrix's because of costs). I really need to rebalance it but waiting for middle December. Ideally, I want to move some of the PTXTEN to GLPROP, combine the two MSCI ones and add the new SYG4IR (should it be available in the TFSA accounts) BTW - I like that 33/33/33 split you've got. It's brave being that exposed to emerging markets but it could really pay off

...but if I had to make two changes to that portfolio I would: 1. drop STXRAF 2. drop STXUS ...and use those funds to pad SYGWD to 20% and use the remaining 11% to buy SYG4IR when come the 6th. BUT, not sure about your age so that is a factor. No point in selling any of those duplicated ETFs either if your brokerage costs are high. Rather just leave them as is and just don't invest in them any further?

Why have SYGUS and SYGJP when you already have SYGWD? Ok, maybe more exposure to Japan is great but why more exposure to the US when SYGWD is about 60% US already? STXIND, STXQUA, SHT40, STXRAF and ASHMID <- that's a lot of locally exposed ETFs. Why not collapse that into CTOP50 and ASHMID and you have the top 100 covered with a 10% cap on the big shares like Naspers?

I think he is referring to the new ITRIX ETF coming the 6th of December which is the 4th Industrial Revolution one. If not, then yeah, wouldn't add the SYGWD one. STXEMG is doing very well for me, up 15% so far

Beware of duplication. Personally I don't see the point of owning both STX40 and STXIND. The bigger shares (most of the ETFs) are the same. Instead of any of those two I'd rather get CTOP50 or MAPPSG, although I'm guessing that INDI is on quite a run atm with Naspers so probably worth keeping What you are missing in your TFSA is property. PTXTEN and GLPROP will sort that out if you wanted to add them. S&P500 is all USA though so you are missing out on Europe and the rest of the world. If you were to get ASHGEQ instead it would cover almost the whole world including emerging markets albeit leaning heavily towards the US.

Agreed...but difficult

Fund your core portfolio with debit orders that go off on pay day

Well if they are on here, consider this a feature request. Debit order buying of BTC and ETH

Do any of you have a monthly/weekly auto payment to your Luno account? Do you have any issues with money not being allocated fast enough or does it work without problem?

Like a classroom

LOL @ Takea-queueing-card