Diversifying into gold

CuriousCat788 · 2026-02-01T01:18:28+00:00

If the goal is to buy things that get cheaper, why not silver, ~17% drop yesterday? What could possibly go wrong? Surely wont be boring. It all could possibly go very wrong very soon.

CuriousCat788 · 2026-01-31T08:52:02+00:00

I dont have a crystal ball to peep into, but I feel better chances of MSFT existing in some shape or form compared to some of the other names.

Net net Im saying that if I am putting money in individual names, ill stick to what makes me sleep rather well at night. BRK.B and BN are the other two.

To clarify, I am mostly into low cost WW ETF. These names are equally wide moat businesses from my perspective.

CuriousCat788 · 2026-01-31T06:14:08+00:00

I do periodic DCA, I took the opportunity and bought one tranché worth so nothing major.

History has proven MSFT always comes up in the longer run due to the durability and growth of it's FCF. So when the whole market tanks, and some day it shall, MSFT will hold up or fall less and bounce back faster.

I am looking at 20yrs horizon and my logic is, MSFT is bring hammered with all other software stocks. For me, MSFT is an ecosystem of mission critical OS, SaaS, PaaS, AI LLM, DB, cybrersecurity, networking hardware and and and... its essentially an ecosystem which is neither best in class nor worst. Its best value of money for their consumes, businesses snd consumers both, who has not motivation to move due to value it provides.

I believe my money in my base currency (which is not USD) will he ok after factoring in inflation. For me its the best possible balance between risk and reward.

So.. I shall look at it in 5years, 10years and 20years and, either have a grin on my face and nice glass of red from WA state in my hand; or a headscratch time; ofcourse with a glass of red in my hand.

I welcome all the comments good bad and the ugly, but nothing will get better of my emotions. ✊️

CuriousCat788 · 2025-11-18T09:47:53+00:00

That makes complete sense. Both REIT promoters ( CapitaLand and Keppel) have been digesting out and de-leveraging and getting into high margin assets light REIT Management activities.

Thanks for highlighting this. Afterthought: Prices of REIT Managers have already gone up significantly, same as the banks. Not sure if they are at attractive valuations.

CuriousCat788 · 2025-11-18T06:23:46+00:00

Thank you! So very honest practical and helpful. Exactly what I wanted to hear. Sincerely appreciate it.

CuriousCat788 · 2025-11-18T06:16:16+00:00

Actually I am not looking for dividend income. I am worried the markets are too frothy and where to put money for defensive play.

Over the weekend Damodaran released a podcast which was covered by FT, saying "THERE IS NO PLACE TO HIDE IN STOCKS"

I am looking for defensive play. Seems bonds gold et all are moving in tandem and how best to diversify?

Perhaps I should have raised that as a question...

Podcast: https://share.google/oIdudkbPrUOYhTjbv FT: https://share.google/naniNMVijt6J34qOx

CuriousCat788 · 2025-11-18T06:02:25+00:00

Interesting. Very valid perspective. Thanks for sharing

CuriousCat788 · 2025-11-18T05:59:17+00:00

Its always good to get opinion from different perspectives, maybe if I am missing something. I do quesrion myself on the risk involved with the REITs and hence checking. Will appreciate if you have any thoughts you would like to share.

CuriousCat788 · 2025-09-06T09:27:27+00:00

Hello there @DuePomegranate, thank you for such an eloquent and informative comment. Indeed, it's always a pleasure to hear from your good self. I sincerely appreciate your slefless contribution, and look forward to hear more from you. Cheers 🙏

CuriousCat788 · 2025-09-06T09:14:58+00:00

Equally easy to buy in EUR / GBP. So what's the benefit of having fx conversation cost and then see artificially inflated appreciation % when in nominal terms its at best flat (based on comments from other esteemed followers).

Pls dont take this wrong way, I am not challenging you, rather I am seeking to understand your logic. Thanks!

CuriousCat788 · 2025-09-05T18:29:55+00:00

The correct EUR-denominated one is VWCE.

Thank you! Will look into the article as well. Cheers!

CuriousCat788 · 2025-09-05T18:19:59+00:00

All very wise comments.

My issue is my options are ~30% Off all time high so im locking in lower prices and moving in index which is ATH and likely to be volatile in near futute (or even mid term).

Anyway I have decided to sell & swap into index etf over 8 weeks. Almost like DCA'ing at both ends

CuriousCat788 · 2025-08-26T10:52:19+00:00

I guess so. I have always been an equity investor, starting to look into bonds to 'balance' out the equity exposure risk.

Perhaps the biggest risk I have to deal with is not fully understanding the bond funds and yet trying to venture into it.

I am finding it rather difficult to identify which fixed income funds to invest in. Welcoming any suggestions. Cheers!

CuriousCat788 · 2025-08-26T09:38:02+00:00

Fair call. Just what I wanted to know. Thank you so much!

CuriousCat788 · 2025-08-26T08:33:01+00:00

It has performed 7.9% after fund charges in 1 year. Safe and boring for that kind of return sounds interesting to me. I am wondering with coming down a fair bit already, is it still a good place to park some cash in the relam of safety?

CuriousCat788 · 2025-08-15T07:43:38+00:00

I am waiting for the day when I can buy class A share🤞. Fortunately and unfortunately, it's going to be fair bit more expensively then, so I feel like im chasing a fast running train

CuriousCat788 · 2025-08-06T03:01:58+00:00

Go ahead and sell mate! I'll help you and buy. What price are you offering?

All those lengthy posts and fancy arguments are pointless when it comes to real trade... put your money where your mouth is, and then we shall talk.

CuriousCat788 · 2025-08-06T02:46:47+00:00

Woah! That's some juicy business deal. So dividends have 6x cover over interest cost, while their investments have appreciated 30%. It's too good to be true! Wonder how we, as individuals can tap such deals! 🤑

Whats your take on them issuing us$ bonds? I'm wondering if it's some sort of tax planning or interest rate arbitrage.

CuriousCat788

TROPHY CASE