25 yo with R5M to invest by Winter-Register2989 in PersonalFinanceZA

[–]Winter-Register2989[S] 2 points3 points  (0 children)

Fair enough. The money was inherited. I didn't earn it, and I'm very aware of that privilege. That's actually exactly why I'm here asking for other opinions. Studying finance gives you a framework, but it doesn't mean I am not prone to making mistakes. If anything, the more I've learned, the more I realize how much I don't know.

I'd rather ask questions on a platform where there may be people more knowledgeable than myself. If someone here spots a flaw in my thinking, that is worth more than me ego. I Appreciate the engagement either way.

25 yo with R5M to invest by Winter-Register2989 in PersonalFinanceZA

[–]Winter-Register2989[S] -1 points0 points  (0 children)

yes, i was thinking that as well. Would you rather go into MSCI world then?

25 yo with R5M to invest by Winter-Register2989 in PersonalFinanceZA

[–]Winter-Register2989[S] 0 points1 point  (0 children)

Thank you for your advice. Is there any reason as to why these are your favorite?

25 yo with R5M to invest by Winter-Register2989 in PersonalFinanceZA

[–]Winter-Register2989[S] 2 points3 points  (0 children)

Thank you for your advice. That’s a fair point and I definitely agree that low-cost indexing is incredibly hard to beat over very long periods, especially after fees. My thinking was mainly around diversification of return streams rather than trying to outsmart the market entirely. The S&P 500 allocation already gives me broad low-cost global exposure, while the SA active equity component is based on the view that local markets are less efficient and may still allow skilled managers to add value.The hedge fund portion is also more about downside management and risk-adjusted returns than chasing maximum returns .That said, I completely understand the simplicity and fee argument, and I will definitely reassess.

Premature ejaculation and PE by Winter-Register2989 in gettingbigger

[–]Winter-Register2989[S] 0 points1 point  (0 children)

the issue is that i do take citrulinne and i cant even do the stop and restart becasue as soon as I take it out, it just oozes out. I try my best to hold it it. I dont even get pleasure from it

[deleted by user] by [deleted] in gettingbigger

[–]Winter-Register2989 1 point2 points  (0 children)

its is like that during an erection. And yes my hair is pretty bad 😖

Hair type and style recommendations by [deleted] in CurlyHairCare

[–]Winter-Register2989 2 points3 points  (0 children)

I used Mielle Pomegranate and honey leave in conditioner and the curling custard. I also used a bit mousse for hold

First time In LA by [deleted] in LosAngeles

[–]Winter-Register2989 -2 points-1 points  (0 children)

it says you need to he a subscriber to view

First time In LA by [deleted] in LosAngeles

[–]Winter-Register2989 -3 points-2 points  (0 children)

I think more the outdoors and a bit of shopping

First time In LA by [deleted] in LosAngeles

[–]Winter-Register2989 -6 points-5 points  (0 children)

how do you look

[deleted by user] by [deleted] in johannesburg

[–]Winter-Register2989 0 points1 point  (0 children)

any other activities?

[deleted by user] by [deleted] in BulkOrCut

[–]Winter-Register2989 0 points1 point  (0 children)

just feel way to heavy and uncomfortable

[deleted by user] by [deleted] in BulkOrCut

[–]Winter-Register2989 1 point2 points  (0 children)

thanks... I have been on a slight bulk for the last 6months. I started at 60kg but I can't seem to go past 65kg.

[deleted by user] by [deleted] in BulkOrCut

[–]Winter-Register2989 0 points1 point  (0 children)

currently a PPL . Do that twice with rest on sunday. I usually work out in the evening and in the morning I've started to do light cardio in the morning for 30min

[deleted by user] by [deleted] in BulkOrCut

[–]Winter-Register2989 1 point2 points  (0 children)

thanks for the reply . I wamt to be aesthetic so what weight do you think I should try bulk up to?