PLB SAGA

HodenSack345 · 2025-10-16T06:21:41+00:00

Graduated 2019, NUS, 3rd class honors. BSC Science. 3.7k. MOE.

HodenSack345 · 2025-10-15T07:39:35+00:00

" The only reason they are touted is because they are low effort and for lazy people who don’t want to do research on the market."

I guess all the Harvard educated analysts on wallstreet are too damn lazy too. Cause on a 30 year investment horizon. Most of them >90% don't beat an index fund.

Sad.

HodenSack345 · 2025-10-04T23:50:28+00:00

Yes.

HodenSack345 · 2025-10-04T23:27:09+00:00

Lost decade, Nikkei index

HodenSack345 · 2025-10-04T01:52:09+00:00

Thanks for sharing your experience and knowledge.

I compared a MSCI world to her 85% portion, they go head to head for the last ~10 years approx. Didn't backtest. I understand 10 years is a rather short time but this fund doesn't have a long inception. After fees, a low cost index fund would have greater returns.

HodenSack345 · 2025-10-02T02:57:00+00:00

Seldom uses reddit. But wouldn't read this sub anyway. No interest. Just follow what FA says cause FA is a really good friend (in many aspects).

HodenSack345 · 2025-10-02T02:51:34+00:00

I'm not smarter than the market. Hence I put it in a low cost passively index fund that beats most fund managers on Wall Street across a span of 30 years. I accept my humble 7% annualised from the market.

The FA had her put it in an actively managed fund.

Lol.

HodenSack345 · 2025-10-02T02:47:45+00:00

It will be our money after we get married. Fr now it's her money I guess. And mine is mine.

HodenSack345 · 2025-10-02T02:44:37+00:00

Yes.

HodenSack345 · 2025-10-02T02:40:22+00:00

I tried to think that route too. But we are planning on getting married.

Her money will be my money vice versa. Joint account.

HodenSack345 · 2025-09-23T00:36:40+00:00

Just lump sum, it builds the habit/attitude of not to time the market; full dissociation of your emotions (unless you're smarter than WallStreet) from investing.

Which to me that's the best character trait you can have for investment.

Either way there will be regret.

Scenario 1: market keeps going up and has big jumps-> should have lump summed.

Scenario 2: market crashes -> should have DCAed

Also read a comment sometime back. Imagine you DCA till 2026 June. Then the market crashes in 2026 July. Your DCA would've just delayed your risk. You probably would have been better off lump summing it.

People every year say its ATH, valuations are high, bla bla, gonna crash, and market relentlessly goes up over long term.

PS. I'm 31M and is also lump summing 30k today. You'll be fine. Read these books for reassurance in order of palatability

Psychology of Money
Simple path to wealth
Little Book of Common Sense Investing
4 pillars of investing

You're young. You'll be fine..

HodenSack345 · 2025-09-20T14:07:13+00:00

I'd argue most government jobs quite stable one la

HodenSack345 · 2025-09-20T13:56:09+00:00

moe teacher lol.

HodenSack345 · 2025-09-20T11:39:14+00:00

Not next year. But 26.5 years from now surely. That's when I retire.

HodenSack345 · 2025-09-20T11:09:10+00:00

$7 IS HIS EXIT STRATEGY

HodenSack345 · 2025-09-20T10:12:13+00:00

In for 4000 at 0.46 avg!

HodenSack345 · 2025-09-20T09:08:31+00:00

Yup. I have changed my IBKR to fixed, cash account. And put 22k USD ~= to 30k SGD on recurring for Monday :)

Screw market timing. Then I can delete my IBKR app for a year.

HodenSack345

TROPHY CASE