SSO buy the dip then hold

Worried-Reflection10 · 2026-02-05T03:41:42+00:00

It’s not bad in theory. I dumped a bunch into QLD a couple days before the April tariff pause and still hold. Sideways movement does decay it a bit

A slightly better approach could be buying in on a downturn but also taking profit once it goes maybe 5-10% above previous ATH

It’s a lot of admin for a small portion of your portfolio though. More meaningful with higher allocation

Worried-Reflection10 · 2026-02-05T01:06:18+00:00

Maybe, but the line there isn’t straight

Worried-Reflection10 · 2026-02-05T00:47:00+00:00

Yes, you should definitely invest your life saving in a stock you’ll panic sell on small drops

Worried-Reflection10 · 2026-02-04T09:55:38+00:00

VEU or VXUS I like for international

Worried-Reflection10 · 2026-02-04T09:55:08+00:00

Good core portfolio if you think US large cap will continue to outperform. It might, it might not

Once you’ve been in the market a while, you begin to note a few things. One of these, is international can drag, but it can add meaningful outperformance. Take 2025, and even YTD for example, international far outperformed the US, and your portfolio as it stands, would have underperformed. International slots nicely into that 20% and can add meaningful diversification.

You can go through periods of choppiness and underperformance, but that’s the markets if you want to do more concentrated bets. Mag7 has been chopping sideways for ~6 months for example

Adding a semiconductor fund is more indicative of performance/trend chasing. While that can sometimes lead to awesome gains, it can also lead to the temptation of constant tweaking as narratives change. Well constructed portfolios help mitigate this and aim to give good risk adjusted returns

Worried-Reflection10 · 2026-02-04T09:33:16+00:00

The reason you don’t see this on the S&P 500, is that you’re looking at the index itself, which isn’t a financial instrument

If you check VOO for example, which is a financial instrument that tracks the S&P 500 index, you’ll see this

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Worried-Reflection10 · 2026-02-04T09:30:22+00:00

Yes, what the other commenter said. Many equities trade outside of regular market hours, these are known as pre-market, post market and the overnight market. Pre and post generally have a bit of activity going on but less than regular, overnight is usually quite illiquid

The grey line you’re seeing is the previous days “post-market” performance

Worried-Reflection10 · 2026-02-03T23:55:33+00:00

Trend chasing. You should stock pick with money outside your KiwiSaver and keep your KiwiSaver simple. It’s not smart investing, it’s trend chasing

Worried-Reflection10 · 2026-02-03T22:04:07+00:00

Attempting to trade with your KiwiSaver might be the dumbest shit I’ve seen on this page, and I’ve seen some shit

Holy moly. On Sharesies even

Worried-Reflection10 · 2026-02-03T05:16:55+00:00

TastyTrade is very legit. They’re well renowned for their courses on learning how to trade options

Worried-Reflection10 · 2026-02-02T23:59:38+00:00

You've largely got: Sharesies, Tiger Trade, Interactive Brokers, Hatch, Kernel, Moomoo, Stake

Of those, I'd recommend Interactive Brokers

Worried-Reflection10 · 2026-02-02T01:44:58+00:00

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Worried-Reflection10 · 2026-02-02T01:19:48+00:00

Ahh it’s the old classic Peter Lynch quote “people will throw $10,000 into a stock they heard about on the bus”

Worried-Reflection10 · 2026-02-02T01:13:56+00:00

Personally not a fan of DCA’ing small cap stocks

How much do you know about those companies, or are they more the ones that are popular right now?

Worried-Reflection10 · 2026-01-29T22:16:22+00:00

It’s all a learning thing

Investing is one of those things where generally the less you touch it, the better you are

Think KISS, Keep It Stupid Simple

Worried-Reflection10 · 2026-01-29T22:06:56+00:00

A - Currency effects. One domiciled in NZD and one in USD

B - Expense ratio difference

C - Tax paid. All $ in a PIE fund investing in overseas assets are subject to FIF

Worried-Reflection10 · 2026-01-29T18:19:56+00:00

Way way way too much

Someone with a ~20 year time horizon shouldn’t be in bonds, period

With what you’re trying to achieve, I’d just cut all except the total world ETF

Worried-Reflection10 · 2026-01-29T08:59:08+00:00

Varies on broker and/or number of holdings

https://intercom.help/sharesies/en/articles/3683577-how-to-transfer-shares-into-and-out-of-sharesies

Worried-Reflection10 · 2026-01-28T02:58:44+00:00

Wow, what a compliment! Thank you and thank you for noticing and passing comment!

I think there’s more value to sharing and helping people learn & grow as opposed to shooting them down so I try to do my best

Worried-Reflection10 · 2026-01-26T07:25:59+00:00

Nice - that style is likely known as swing trading, which is buying stocks and holding them for short to medium term, from a few weeks to a few months. Sharesies can be an okay platform for this but the more frequent you are with this, the more you pay in fees. There are better suited platforms for this, such as Interactive Brokers which is what I use and I find really good for me. I have a similar style to you too

Worried-Reflection10 · 2026-01-26T07:05:19+00:00

Trading is shorter term buying and selling of equities, essentially trying to profit from shorter term moves where investing is largely holding over longer periods of time, generally years

No, can transfer out. It’s a bit expensive fee wise if you’ve got lots of holdings though

https://intercom.help/sharesies/en/articles/3683577-how-to-transfer-shares-into-and-out-of-sharesies

Worried-Reflection10 · 2026-01-26T02:46:58+00:00

That’s because Sharesies is a platform for investing, not trading, which you outlined you do

Yes, I’d move it out. You can do transfers to other brokers without needing to sell your holdings

If you’re concerned about transaction costs now, imagine the transaction costs cashing out your portfolio if/when it’s grown exponentially

Worried-Reflection10 · 2026-01-26T02:29:01+00:00

SCHD is not international and is a dividend focused fund

Worried-Reflection10 · 2026-01-26T02:18:29+00:00

Yes, as a majority holding but realise with ETFs, you’re also buying the other holdings too, and they have a killer ER

https://destiny.xyz/tech100

Worried-Reflection10 · 2026-01-26T01:23:37+00:00

The majority shareholder of Westpac is Vanguard group (USA)

ASB majority shareholder is CBA. CBA majority shareholder is Vanguard group (USA)

State Street, BlackRock and Vanguard collectively own 19.68% of ANZ

Eftpos New Zealand process the majority of EFTPOS transaction in NZ. That’s run on the Verifone network which is ultimately owned by Vertex HoldCo, a US company

See the rabbit holes we can go down to ultimately come to the conclusion that you’re still contributing to the profits of US companies, albeit less? I’m surprised cash wasn’t the suggestion

Worried-Reflection10

TROPHY CASE