Bandit

Whichever way I go (save the cash option) I would wait till right after Trump is elected president and the market overreacts

If I had no emergency fund I'd put it there (32 day account). Else, if I went ETF I would split it between NFEMOM (45%), DBXWD (35%) and PTXTEN (20%). Most likely (at this point in time anyway) I would put it in unit trusts with the same theme as the above (local equity, foreign equity and property).

That is tempting.... MUST. RESIST.

No idea... check gumtree/olx and match the price there

Or..get the phone, sell the S6, wait out your contract and move over to one of the Top UP contracts with no phone (which means, depending on which one you take, you can end up paying R258pm but get R3xx pm airtime which you can use for phone calls and buy data with). That's what I did. Never getting a contract with "minutes" or data ever again.

5.5% down in my TFIA. It's been a rough year :/ But it is almost dividend time so the odd R100 will help

Only solution is to sell it (or stop investing into it...30% of my TFIA) and go with something else. NFEMOM has a vastly different approach but that in combination with DIVTRX, PTXTEN and DBXWD is what I favour.

But most importantly...the MIUI interface!

STXIND needs to be overhauled and have caps placed in place (15% max etc.)

lol, no nothing sinister

what product would that be? Share trading platform. I've seen the name in the database, never looked at the site myself.

The only reason I know about Afrifocus us because they are one of our white label clients [emoji14]

Used to for short sprints (here a month, there a week or three). Only way I coped was bring young, knowing it wasn't permanent and that there is a bonus waiting. Sent from my LG-V490 using Tapatalk

Go forth and createth thy thread...

That said, I sold mine off and bought NFEMOM instead. They recently changed the underlying index it is tracking and it looks like it could be doing a very good job at identifying quality stocks instead if just looking at the 40/50 largest companies.

CTOP50. Some companies deserve to have a bigger location in your portfolio. Also limited to 10% max weighting.

The woman from Sygnia write an article a while back explaining the fees if unit trusts vs. ETFs. ETF managers are good at selling ETF as cheap but there are other costs to take into account: STRATE, VAT, trading and brokerage costs, investor insurance. These can actually add up to a substantial amount. You also have no guarantee if liquidity even if they have a market maker. When you need to cash out your ETF it could take days for the transaction to complete (my one ETF I cashed out took 3 days, multiple trades and an email to CoreShares). So unit trusts may have management fees but they are a lot less hassle. And if you do your homework and the unit trust us not subject to initial fees or performance fees they may actually be cheaper.

Value order trading and fractional shares FTW!!

It is relatively new. Buying a top 40 over and above the top 20 is a waste. Lots of duplication and, except for the equally weighted one, most top 40s have the top 4-5 companies making up most of the fund.

Glad to see I'm not the only one thinking this way. I've never really looked at the Sygnia UTs but I'll change that over the weekend Sent from my LG-V490 using Tapatalk

So most of us here are probably ETF fanboys because "justonelap", "tannie Nerina" and EasyEquities being so damn cheap. I'll be honest, I own both ETFs and unit trusts although I've being neglecting the latter. So, the current trend seems to be people bashing them, saying they are too expensive blah blah blah and to a certain degree they are right. Well actually they are very right. Unit trusts have the benefit of you not being the "active manager" and hence probably a lot less stressful to invest in Anyway, whom of you guys own unit trusts, which ones do you own and how have they performed for you? Myself, I make use of Stanlib and I'm invested in they're Multi-Manager All Star Fund of Funds..erm.. fund. I prefer the multi managers - less risk of one guy making a mistake. Had a look and I reckon I'll go talk to my financial advisor and see how I can restructure and avoid/fix some of the duplication I have between my ETFs and unit trusts. I reckon something like their Absolute Income or Aggressive Income fund is also a much better proposition for keeping and building up an emergency fund than say a 32-day notice account (with some more risk but also more growth).

1. Laptop 2. Monitor 3. Other monitor 4. Mouse 5. Cellphone

DIVTRX and property ETFs aren't doing too badly this year.

You wish for too much. Best bet you have in the current conditions is for EE to get us access to foreign ETFs

I wouldn't use EE for trading penny stocks unless you phone their call centre and talk to a trader. You have no control over the bid/offer. Sent from my LG-V490 using Tapatalk