best of luck on your youtube channel. i like it because you are keeping it is simple, humble and relatable. may it grow along with your stocks and other investments.
Hi kelvin, can you do a video on discussing the knowledge from this video with that from your Top 5 ETF video? It's challenging to understand the differences between the stocks you mentioned in this video with excellent stocks such as IUIT etc. So , what how do we decide between Index funds and ETFs? What are their advantages? Just an idea.
Questions: 1) which platform can b use to buy most etf in the world? 2)how do get to kn what compositions contribute to the fund 3) do I need to follow the market cycle is to buy and sell my etf for max return ? Tks for ur comments 1st!
As of right now, it is 33% each for Iwda, EIMI and SXLK. I'm considering increasing SXLK percentage because it seems that Tech industry has a much higher growth potential.
Hi Kevin, this is a really informative video! Which one is better? VOOG or VOO - For U.S Market? Which one is better in terms of future returns? I was leaning towards VOOG initially... GXC or MCHI - For China market? It is forecasted that China will dominate the market in the next decade. In any case you are familiar with this China etf's, do you reckon GXC is better than MCHI?
u look young kelvin. may not be a good strategy to DCA into global ETFs at your age. cos when the net is too wide, there will be weaker fish that pulls down the stronger swimmers. use focused ETF like those S&P 500 related or invest in SG property. once u made it, then do global ETF to diversify and collect dividend.
Hi Kelvin... thanks for sharing. can you share more about funds that don't re-invest your dividends? For example VTI.. does it mean you have to manually purchase from the dividends you receive? can you share more why that isn't so viable?
Hi Kelvin, watched your dividend portfolio video and fully agree with your overall philosophy. Just wondering, why don’t you consider VGT/XLK as their returns are higher than IDFs despite the withholding tax...AUM are higher and expense ratios are lower too, if not wrong.
Hi, how did you determine the returns are higher? I tried comparing the price in google: bit.ly/3e4HuRl , but it seem like the performance is similar. VGT/XLK didn't fall under my radar bcos i was just looking for ireland domiciled + accumulating fund criterias. Otherwise, the 3 tech stocks doesn't seem to have any obvious difference between them.
Kelvin Learns Investing You’re right... I mixed up the ticker symbols my bad haha.. end of the day the index both SXLK and XLK are tracking is the same. One point I would consider though is the differences in liquidity in terms of AUM. Are you ok holding SXLK long term with its low AUM? As I’m quite noob at investing, can I ask does accumulating fund mean we “avoid” the 15% withholding tax indirectly? I also tried looking for databases on IDFs but couldn’t find a good one, how did you do your screening for IDFs like you did dividend stocks on SGX?
The low AUM should be alright i feel, overall i might spend slightly more when buying/selling. But at least it's still possible to buy/sell haha. For accumulating fund, we'll still be taxed. So the reinvested dividend is already less 15%. Check this article talking about it: investmentmoats.com/money-management/guide-dividend-withholding-tax-interest/ For index fund i didnt really screen though. I js (accidentally) found out about 3 fund portfolio. Then from there i found this article: www.firepathlion.com/the-bogleheads-3-fund-portfolio-for-singapore-firewalkers/ As for screening, this website is really useful: www.justetf.com/en/find-etf.html
Is there a line where you draw that when expense ratio is a certain percentage difference then it is okay to go with the US domiciled ETF instead of the Ireland/HK domiciled ETF?? I'm into as many holdings within ETFs as possible (best skewed towards China); Are you able to find these equivalent ETFs in Ireland/HK domicile - China Total: e.g. FLCH, GXC Global IT: e.g. OGIG, PNQI Global CloudComputing: e.g. IVES, WCLD Global AI: e.g. AIIQ, IRBO Global Innovative: SNSR, NERD, GIGE, Global Blockchain: e.g. LEGR, KOIN Global Clean Energy: e.g. ICLN, SMOG Sustainable Agriculture??
As long as the holdings pay dividends, it would be better to go for ireland domiciled funds. Frugal youth invest has an article which analyses this: frugalyouthinvests.com/2020/06/13/are-we-incurring-more-commission-in-hopes-of-saving-dividend-withholding-tax-with-ireland-domiciled-etfs/ For equivalent etf, you can search here: www.justetf.com/en/find-etf.html On the left side, under Fund Domicile, just tick "Ireland"
IWDA tracks companies in developed countries, eg US, Japan, UK, France, etc www.ishares.com/uk/individual/en/products/251882/ishares-msci-world-ucits-etf-acc-fund Nah, i don't dca regularly into every stock in my portfolio. Every month, i just decide which stock has the "best price" then dca into it specifically.
Hmm.. i wont really consider due to the fees. Also, I prefer to have full control of what i invest in. If the stock drops 40% like 1 month ago, i wouldnt worry, bcos i have confidence in it.
Looking at the Dollar and sense article: dollarsandsense.sg/complete-cost-guide-robo-advisor-fees-singapore-investors/, the average fee is about 0.5%. Compare to maybe IWDA: 0.2%, EIMI: 0.18%. There's also a commission of about USD3.60 whenever I buy. But it's just a one time fee.
Hi, very clear and helpful video. thank you! May I just ask in your opinion what sort of returns would you consider reasonable for an index fund? Say a 5 year horizon
5 years might still be too short to say. But if the market conditions is the same as the past 10 years, it would be around 10-13% per year, as you can see from VOO's average annual returns: investor.vanguard.com/etf/profile/performance/voo
Hi Kelvin, nice video! Can I know what's your % distribution of the dividend portfolio and the ETF portfolio? And do you also invest in US stock separately as well?
I'm currently using Interactive Broker. Do check out this blog for comparison of best brokerage for US markets: financialhorse.com/best-stock-broker-2020/
@Kelvin Learns Investing hey, the link that you gave was immensely helpful ! Just joined your channel a few days back and for starters like me. I am learning alot! Thank you for sharing your knowledge!
I prefer a managed fund vs investing in index fund bcos fund managers does rigorous analysis in companies the funds are invested and they have the flexibility to shift their funds to other promising companies or sectors and these fund managers have at least 20 years of experiences and acumen they build up all these years to react to any issues.
Good question, I tried searching for it using an etf screener and this was what it showed: XUTC and EQQQ. But their dividends are below 1% ETF screener i used. You can try changing the filters on the left side : www.justetf.com/en/find-etf.html?groupField=index&dc=IE&assetClass=class-equity§or=Technology&distributionPolicy=distributionPolicy-distributing&country=US
Hello, why can't I use TigerBrokers to buy Index Fund tho? Will it be ok if you shoot a video about how to buy Index fund with any of your brokerage acc? ( Interactive Broker, Tigers, Saxo ). ThankU
Wow, i just came across ARKK when Chicken Genius talked about it this morning. Looks to have a lot of potential. Might really consider it. ua-cam.com/video/fHpLrzpVP1w/v-deo.html
The main diff is ETFs trade throughout the day while index funds trade once at market close. Here are more comparisons: www.wallstreetmojo.com/etf-vs-index-funds/
Three questions : which broker have you used to buy these ETFs,. Secondly, do these funds require you to be Singaporean or PR. Lastly, I invest in Unit trust like Franklin US Opportunities SGD. Do u suggest shifting it to ETF. Awesome videos Kelvin. Keep it bro.
1) For ETF, I'm using Interactive Brokers. Will be coming out with a step by step guide on how to use it this month :D 2) No citizenship requirements. 3) This fund looks to be investing in US companies. secure.fundsupermart.com/fsm/admin/buy/factsheet/factsheetFTF141.pdf It has 1.7% expense ratio secure.fundsupermart.com/fsm/funds/factsheet/FTF141/ Compare to VOO, which also invest in US companies, but has 0.03% expense ratio www.etf.com/VOO#overview If i am paying over 55 times management fee for the same stuff, i would at least expect a return that's over 50 times
@@KelvinLearnsInvesting You did mention DBS Vickers in some video. Do u recommend any brokerage and also do you recommend I exit out of franklin and concentrate on ETFs.
DBS vickers is good for local stocks. For oversea ETF and stocks, Interactive brokers is better Mm... it depends on you. Some people feel safer having a manager to manage the stock. I can't recommend for u. But personally if i hold a fund and they can't give me a return that's beats the market, I would just sell it off and go into ETF instead.
The taxes are being charged behind the scenes, so u won't have to pay manually. US charge 30% tax on dividends, so you will receive 30% lesser dividends if you buy VOO. But if you buy ireland domiciled fund, VUSA (which is same as VOO), you only pay 15% tax. Check this out: blog.seedly.sg/how-to-invest-in-ireland-domiciled-sp500-etfs/
best of luck on your youtube channel. i like it because you are keeping it is simple, humble and relatable. may it grow along with your stocks and other investments.
Thanks! Good luck on your investment journey too :)
Omg Kelvin. You have improved so much as a presenter! I came to this video after seeing your newest ones....my god u became so funny and natural
Wow you sound like a rookie one year ago. Now you are so much more fluid in your presentation.
After comparing your recent video and this old video, you getting real smooth bro!
As smooth as the tofu at the cai fan store!
Hi kelvin, can you do a video on discussing the knowledge from this video with that from your Top 5 ETF video? It's challenging to understand the differences between the stocks you mentioned in this video with excellent stocks such as IUIT etc. So , what how do we decide between Index funds and ETFs? What are their advantages? Just an idea.
Hi kelvin which is safe and cheap platform to invest in index funds. Fsm one, dbs vickers or any other? Which platform you use. Please advise bro 🙏🙏🙏
Questions:
1) which platform can b use to buy most etf in the world?
2)how do get to kn what compositions contribute to the fund
3) do I need to follow the market cycle is to buy and sell my etf for max return ?
Tks for ur comments 1st!
Is there any updated version of this video applicable now. In Oct 2022
Hi Kelvin, what is your recommendation for allocation for these fund? Nice video, BTW
As of right now, it is 33% each for Iwda, EIMI and SXLK. I'm considering increasing SXLK percentage because it seems that Tech industry has a much higher growth potential.
Hi Kevin, i invested on an ILP fund. What is your thoughts in that?
Hi Kevin, this is a really informative video!
Which one is better? VOOG or VOO - For U.S Market? Which one is better in terms of future returns? I was leaning towards VOOG initially...
GXC or MCHI - For China market? It is forecasted that China will dominate the market in the next decade. In any case you are familiar with this China etf's, do you reckon GXC is better than MCHI?
Hi Kelvin, thank you for such meaningful content. im new to investing, i would like to ask if i can use DBS vickers to invest in Global funds?
Ya it's possible. But the fee is super expensive. Check out this video where i compare the brokerage fees:
ua-cam.com/video/Z_eLeKD4TS4/v-deo.html
sorry, would you opt for 💯 equity or blended approach if investing in index funds for a long period. Just your opinion
Personally i would go for 100% equity now, as they can give higher returns
@@KelvinLearnsInvesting thanks!!
Hi Kelvin, sorry for the noob question. So you mainly buy into index funds and dividend stocks?
My strategy changed a little since that video. This was the last video: ua-cam.com/video/uolJ6UK_NL4/v-deo.html
Hiya can do an update of what are the 3 index funds u would invest in 2021?
Thank you for this insight!
u look young kelvin. may not be a good strategy to DCA into global ETFs at your age. cos when the net is too wide, there will be weaker fish that pulls down the stronger swimmers. use focused ETF like those S&P 500 related or invest in SG property. once u made it, then do global ETF to diversify and collect dividend.
Yea i agree 100%. Recently i stopped contributing into global etf and focusing more on specialized etf like tech and innovation instead.
@@KelvinLearnsInvesting IUIT(iredom) vs SXLK(iredom) vs OGIG(usdom)?
Hi Lemmon, makes sense. can you recommend good ETFs? And would you feel the S&P 500 is too bubbly?
Hi Kelvin... thanks for sharing. can you share more about funds that don't re-invest your dividends? For example VTI.. does it mean you have to manually purchase from the dividends you receive? can you share more why that isn't so viable?
I think its also viable. You have more control on how you use the money.
Hi Kelvin, watched your dividend portfolio video and fully agree with your overall philosophy. Just wondering, why don’t you consider VGT/XLK as their returns are higher than IDFs despite the withholding tax...AUM are higher and expense ratios are lower too, if not wrong.
Hi, how did you determine the returns are higher? I tried comparing the price in google: bit.ly/3e4HuRl , but it seem like the performance is similar. VGT/XLK didn't fall under my radar bcos i was just looking for ireland domiciled + accumulating fund criterias. Otherwise, the 3 tech stocks doesn't seem to have any obvious difference between them.
Kelvin Learns Investing You’re right... I mixed up the ticker symbols my bad haha.. end of the day the index both SXLK and XLK are tracking is the same. One point I would consider though is the differences in liquidity in terms of AUM. Are you ok holding SXLK long term with its low AUM? As I’m quite noob at investing, can I ask does accumulating fund mean we “avoid” the 15% withholding tax indirectly? I also tried looking for databases on IDFs but couldn’t find a good one, how did you do your screening for IDFs like you did dividend stocks on SGX?
The low AUM should be alright i feel, overall i might spend slightly more when buying/selling. But at least it's still possible to buy/sell haha.
For accumulating fund, we'll still be taxed. So the reinvested dividend is already less 15%. Check this article talking about it: investmentmoats.com/money-management/guide-dividend-withholding-tax-interest/
For index fund i didnt really screen though. I js (accidentally) found out about 3 fund portfolio. Then from there i found this article: www.firepathlion.com/the-bogleheads-3-fund-portfolio-for-singapore-firewalkers/
As for screening, this website is really useful: www.justetf.com/en/find-etf.html
@@KelvinLearnsInvesting Any thoughts on CSPX? its top holdings with IWDA are more or less the same :)
Is there a line where you draw that when expense ratio is a certain percentage difference then it is okay to go with the US domiciled ETF instead of the Ireland/HK domiciled ETF??
I'm into as many holdings within ETFs as possible (best skewed towards China); Are you able to find these equivalent ETFs in Ireland/HK domicile -
China Total: e.g. FLCH, GXC
Global IT: e.g. OGIG, PNQI
Global CloudComputing: e.g. IVES, WCLD
Global AI: e.g. AIIQ, IRBO
Global Innovative: SNSR, NERD, GIGE,
Global Blockchain: e.g. LEGR, KOIN
Global Clean Energy: e.g. ICLN, SMOG
Sustainable Agriculture??
As long as the holdings pay dividends, it would be better to go for ireland domiciled funds. Frugal youth invest has an article which analyses this: frugalyouthinvests.com/2020/06/13/are-we-incurring-more-commission-in-hopes-of-saving-dividend-withholding-tax-with-ireland-domiciled-etfs/
For equivalent etf, you can search here: www.justetf.com/en/find-etf.html
On the left side, under Fund Domicile, just tick "Ireland"
Hi Kelvin, for the IWDA etf what does it track? And do you DCA that index fund
IWDA tracks companies in developed countries, eg US, Japan, UK, France, etc
www.ishares.com/uk/individual/en/products/251882/ishares-msci-world-ucits-etf-acc-fund
Nah, i don't dca regularly into every stock in my portfolio. Every month, i just decide which stock has the "best price" then dca into it specifically.
Kelvin is investing in VWRA similar to IWDA together with EIMI ?
Yup, its similar. So it depends if u need more control or not
Minimal risk that comes from ETF’s I have a portfolio dedicated to ETF’s too!
hi, how often in a year do you receive dividends? gr8 video
Hmm, some give 4 times a year, some give 2 times
Hi Kelvin, will you consider roboadvisors? If no, why not? If yes, which will you go for? Thanks
Hmm.. i wont really consider due to the fees. Also, I prefer to have full control of what i invest in. If the stock drops 40% like 1 month ago, i wouldnt worry, bcos i have confidence in it.
@@KelvinLearnsInvesting fees on roboadvisors should be lower. No?
Looking at the Dollar and sense article: dollarsandsense.sg/complete-cost-guide-robo-advisor-fees-singapore-investors/, the average fee is about 0.5%.
Compare to maybe IWDA: 0.2%, EIMI: 0.18%. There's also a commission of about USD3.60 whenever I buy. But it's just a one time fee.
which trading platform do you use to buy IWDA, SXLK?
I use interactive brokers
Hi, very clear and helpful video. thank you! May I just ask in your opinion what sort of returns would you consider reasonable for an index fund? Say a 5 year horizon
5 years might still be too short to say. But if the market conditions is the same as the past 10 years, it would be around 10-13% per year, as you can see from VOO's average annual returns:
investor.vanguard.com/etf/profile/performance/voo
@@KelvinLearnsInvesting hi thanks for the reply. May I know what sorrs of indicators or analysis do you do when deciding to buy/sell and index fund?
@@angyangkai5573 I took the simple way, which is I buy the fund which i think will do well in the long term. Then only sell when i need the money
@@KelvinLearnsInvesting oh I see. Do you DCA regularly too?
Hi Kelvin, nice video! Can I know what's your % distribution of the dividend portfolio and the ETF portfolio? And do you also invest in US stock separately as well?
Right now it's about 70% dividend portfolio, 30% index fund portfolio. I'm also planning to invest into US stocks too, like Tesla ;)
Hi Kelvin, u buy all these US index funds will tax u 30% right?
They are ireland domiciled etfs, the withholding tax on dividend is only 15%
@@KelvinLearnsInvesting ok thanks. Would u recommend ireland domiciled etf for long term??
@@junjielim111 Yea, you can avoid the 30% withholding tax, so that's good
@@KelvinLearnsInvesting im still waiting for interactive brokers to grant me permission. Now its on pending
@@junjielim111 Ah just wait a bit yea
Hi, thanx for sharing. Which platform do you use to buy these ETFs?
I'm currently using Interactive Broker. Do check out this blog for comparison of best brokerage for US markets: financialhorse.com/best-stock-broker-2020/
@Kelvin Learns Investing hey, the link that you gave was immensely helpful ! Just joined your channel a few days back and for starters like me. I am learning alot! Thank you for sharing your knowledge!
I prefer a managed fund vs investing in index fund bcos fund managers does rigorous analysis in companies the funds are invested and they have the flexibility to shift their funds to other promising companies or sectors and these fund managers have at least 20 years of experiences and acumen they build up all these years to react to any issues.
You are right, having a good manager will actually give much more returns!
disagree on this, most hedge funds don't beat the market.
Cup noodles... haha I’m already doing that due to CB.
Anyway, great video!
Haha, cup noodles are essentials! Thanks :)
what platform do u use to buy such index funds
Im using interactive brokers
Do you know any ETFs similar to SXLK (US techs) domicile in Ireland that distribute dividends instead of accumulate?
Good question, I tried searching for it using an etf screener and this was what it showed:
XUTC and EQQQ. But their dividends are below 1%
ETF screener i used. You can try changing the filters on the left side :
www.justetf.com/en/find-etf.html?groupField=index&dc=IE&assetClass=class-equity§or=Technology&distributionPolicy=distributionPolicy-distributing&country=US
Kelvin Learns Investing Thank you so much!! 🙏🏽
Kelvin, so you don't own An S&P 500 Index Fund?
Wow you are very rich..
D:
Hello, why can't I use TigerBrokers to buy Index Fund tho? Will it be ok if you shoot a video about how to buy Index fund with any of your brokerage acc? ( Interactive Broker, Tigers, Saxo ). ThankU
They are all in this playlist :D ua-cam.com/video/tXpJzaEanXA/v-deo.html&ab_channel=KelvinLearnsInvesting
Would you consider buying ARKK ?
Wow, i just came across ARKK when Chicken Genius talked about it this morning. Looks to have a lot of potential. Might really consider it. ua-cam.com/video/fHpLrzpVP1w/v-deo.html
What's the difference between Index Fund and ETF?
The main diff is ETFs trade throughout the day while index funds trade once at market close.
Here are more comparisons:
www.wallstreetmojo.com/etf-vs-index-funds/
Three questions : which broker have you used to buy these ETFs,.
Secondly, do these funds require you to be Singaporean or PR.
Lastly, I invest in Unit trust like Franklin US Opportunities SGD. Do u suggest shifting it to ETF.
Awesome videos Kelvin. Keep it bro.
1) For ETF, I'm using Interactive Brokers. Will be coming out with a step by step guide on how to use it this month :D
2) No citizenship requirements.
3) This fund looks to be investing in US companies.
secure.fundsupermart.com/fsm/admin/buy/factsheet/factsheetFTF141.pdf
It has 1.7% expense ratio
secure.fundsupermart.com/fsm/funds/factsheet/FTF141/
Compare to VOO, which also invest in US companies, but has 0.03% expense ratio
www.etf.com/VOO#overview
If i am paying over 55 times management fee for the same stuff, i would at least expect a return that's over 50 times
@@KelvinLearnsInvesting You did mention DBS Vickers in some video. Do u recommend any brokerage and also do you recommend I exit out of franklin and concentrate on ETFs.
DBS vickers is good for local stocks. For oversea ETF and stocks, Interactive brokers is better
Mm... it depends on you. Some people feel safer having a manager to manage the stock. I can't recommend for u. But personally if i hold a fund and they can't give me a return that's beats the market, I would just sell it off and go into ETF instead.
@@KelvinLearnsInvesting Can we have a video on taxation on local and overseas captial gains.
@@KelvinLearnsInvesting Good. Can we have a video on setting up brokerage accounts with me. Do they have CDP or Custodian acount?
May I know SG top few companies is group as what stock as US is under SP500 but sg is known as what?
Sti etf
sg.finance.yahoo.com/quote/es3.si/
If i buy s&p500, how the taxes are being charged and how many dividends i get in return?
The taxes are being charged behind the scenes, so u won't have to pay manually. US charge 30% tax on dividends, so you will receive 30% lesser dividends if you buy VOO. But if you buy ireland domiciled fund, VUSA (which is same as VOO), you only pay 15% tax. Check this out:
blog.seedly.sg/how-to-invest-in-ireland-domiciled-sp500-etfs/
If i buy S&P500, do I get taxed by sg too?
When I buy sg stocks, how do I get tax on & how many percent?
SG doesn't tax returns from stocks
www.iras.gov.sg/IRASHome/Individuals/Locals/Working-Out-Your-Taxes/What-is-Taxable-What-is-Not/Gains-from-Sale-of-Property--Shares-and-Financial-Instruments/#title2