├── .gitattributes └── README.md /.gitattributes: -------------------------------------------------------------------------------- 1 | # Auto detect text files and perform LF normalization 2 | * text=auto 3 | -------------------------------------------------------------------------------- /README.md: -------------------------------------------------------------------------------- 1 | # ShinyThings says... 2 | 3 | Quick and dirty index of ShinyThings' responses in the HWZ forum threads. 4 | 5 | **Current position:** part 2's post 4877 to 8135 6 | 7 | This is really just an exercise in active reading via note-taking. 8 | I don't intend to exhaustively catalogue every response in every single post. 9 | Some are so specific or esoteric that it's nowhere near the F in FAQ. 10 | Others are a bit how-to in operating SCB or IBKR. 11 | 12 | Sometimes there are very interesting responses from BBCWatcher or tangent314 or other posters, you'll have to read the thread to find those. 13 | 14 | If you have not, you should go buy the book from the [links on richbyretirementbook.com](http://richbyretirementbook.com/) which somehow just doesn't come up on a Google search. 15 | It's currently USD 8 for the PDF/ePub on GumRoad, USD 10 for the Kindle version, and USD 20 for the paperback. 16 | 17 | If you need to block trolls on HWZ forums: https://forums.hardwarezone.com.sg/121047958-post5407.html 18 | 19 | ## Asset allocation 20 | * Should CPF be ignored entirely, or be counted as bond allocation? [part 2 #5877](https://forums.hardwarezone.com.sg/121825374-post5877.html) [part 2 #5532](https://forums.hardwarezone.com.sg/121225816-post5532.html) 21 | * Should I count emergency funds under the bond bucket? [part 2 #5784](https://forums.hardwarezone.com.sg/121605811-post5784.html) 22 | * Should I count the full market value, or only the owner equity (net of loans), on property value? [part 2 #5784](https://forums.hardwarezone.com.sg/121605811-post5784.html) 23 | * Should I keep my existing stocks, bonds, growth ETFs after I start buying these ETFs? [part 2 #5840](https://forums.hardwarezone.com.sg/121728177-post5840.html) 24 | * How should property, whether primary residence or investment properties, be counted towards asset allocation? [part 2 #5784](https://forums.hardwarezone.com.sg/121605811-post5784.html) [part 2 #5772](https://forums.hardwarezone.com.sg/121589801-post5772.html) 25 | * Should I pay down mortgage vs investing? [part 2 #5772](https://forums.hardwarezone.com.sg/121589801-post5772.html) 26 | * What should I do with SRS funds, if that's suitable for me? [part 2 #5732](https://forums.hardwarezone.com.sg/121512062-post5732.html) [part 2 #5532](https://forums.hardwarezone.com.sg/121225816-post5532.html) [part 2 #7848](https://forums.hardwarezone.com.sg/123912572-post7848.html) [part 2 #7897](https://forums.hardwarezone.com.sg/123956612-post7897.html) 27 | * High interest savings account vs bond ETFs like MBH? [part 2 #5625](https://forums.hardwarezone.com.sg/121353556-post5625.html) 28 | * Why not REITs or real estate? [part 2 #5625](https://forums.hardwarezone.com.sg/121353556-post5625.html) 29 | * Why are small caps not included next to IWDA/EIMI? [part 2 #5461](https://forums.hardwarezone.com.sg/121149256-post5461.html) 30 | * What to do with cash meant for car purchase in 8 years? [part 2 #5047](https://forums.hardwarezone.com.sg/120651459-post5047.html) 31 | * Should I buy more (on top of DCA amount) when market dips below x% of your average price? [part 2 #6075](https://forums.hardwarezone.com.sg/122116245-post6075.html) 32 | * Why MSCI World instead of S&P500? [part 2 #6209](https://forums.hardwarezone.com.sg/122247478-post6209.html) 33 | * Ray Dalio's All Weather Portfolio? [part 2 #6253](https://forums.hardwarezone.com.sg/122264800-post6253.html) 34 | * What to do with cash for flat downpayment in 5 years? Also, should I allocate savings solely for that or a mix of that and investing? [part 2 #6406](https://forums.hardwarezone.com.sg/122333002-post6406.html) 35 | * When rebalancing, do I actually sell what I'm overweighed on, or just direct all future funds to what I'm underweighed on? [part 2 #7264](https://forums.hardwarezone.com.sg/123247122-post7264.html) 36 | * I'm currently only investing in IWDA, is that ok or should I diversify? [part 2 #7318](https://forums.hardwarezone.com.sg/123292999-post7318.html) 37 | * Permanent Portfolio? [part 2 #7349](https://forums.hardwarezone.com.sg/123338164-post7349.html) 38 | 39 | ## Equity ETFs 40 | * Quick and dirty answer to currency risks when buying equity ETFs? [part 2 #5732](https://forums.hardwarezone.com.sg/121512062-post5732.html) 41 | * Should we care about currency risks on equity ETFs? Bond ETFs? [part 2 #5732](https://forums.hardwarezone.com.sg/121512062-post5732.html) [part 2 #5625](https://forums.hardwarezone.com.sg/121353556-post5625.html) 42 | * ES3 vs G3B? [part 2 #5699](https://forums.hardwarezone.com.sg/121481705-post5699.html) [part 2 #5461](https://forums.hardwarezone.com.sg/121149256-post5461.html) 43 | * How should you buy ES3 now that MBKE MIP is discontinued? [part 2 #5304](https://forums.hardwarezone.com.sg/120960926-post5304.html) [part 2 #5285](https://forums.hardwarezone.com.sg/120938999-post5285.html) 44 | * VWRD? [part 2 #5047](https://forums.hardwarezone.com.sg/120651459-post5047.html) 45 | * SWRD? [part 2 #5899](https://forums.hardwarezone.com.sg/121873100-post5899.html) [part 2 #7147](https://forums.hardwarezone.com.sg/123080586-post7147.html) [part 2 #7897](https://forums.hardwarezone.com.sg/123956612-post7897.html) 46 | * VWRA? [part 2 #5987](https://forums.hardwarezone.com.sg/122016879-post5987.html) [part 2 #6047](https://forums.hardwarezone.com.sg/122088108-post6047.html) [part 2 #6125](https://forums.hardwarezone.com.sg/122179239-post6125.html) 47 | * Should I sell to switch between IWDA/VWRD/VWRA? [part 2 #5998](https://forums.hardwarezone.com.sg/122035216-post5998.html) 48 | * Tracking error differences between fund managers? [part 2 #6057](https://forums.hardwarezone.com.sg/122100100-post6057.html) 49 | * What if I am planning to retire in a country with less-developed capital markets? [part 2 #6125](https://forums.hardwarezone.com.sg/122179239-post6125.html) 50 | * How do I buy ES3 since POSB IS doesn't offer it? [part 2 #6154](https://forums.hardwarezone.com.sg/122212184-post6154.html) 51 | * Pros and cons of IWDA vs IWDA+EIMI vs VWRA? [part 2 #6307](https://forums.hardwarezone.com.sg/122300254-post6307.html) 52 | * Infinity Global Stock Index Fund unit trust to access Vanguard funds? [part 2 #6613](https://forums.hardwarezone.com.sg/122425272-post6613.html) 53 | * Is liquidity/volume of VWRA a concern? [part 2 #6996](https://forums.hardwarezone.com.sg/122858915-post6996.html) 54 | * Does the TER difference between US-listed and LSE-listed ETFs outweigh the withholding tax difference? [part 2 #7250](https://forums.hardwarezone.com.sg/123230935-post7250.html) 55 | * Do I need to do IWDA+EIMI or just IWDA will suffice? [part 2 #7405](https://forums.hardwarezone.com.sg/123380646-post7405.html) 56 | * LionGlobal All Seasons Fund? [part 2 #7437](https://forums.hardwarezone.com.sg/123413886-post7437.html) [part 2 #7836](https://forums.hardwarezone.com.sg/123897460-post7836.html) [part 2 #7868](https://forums.hardwarezone.com.sg/123928232-post7868.html) 57 | * Why still buy STI ETF when it's been hovering in the same price range since 2008? [part 2 #7897](https://forums.hardwarezone.com.sg/123956612-post7897.html) 58 | * Thai equity? [part 2 #7995](https://forums.hardwarezone.com.sg/124098244-post7995.html) 59 | 60 | ## Bond ETFs 61 | * MBH, A35 or SSB? [part 2 #5105](https://forums.hardwarezone.com.sg/120721953-post5105.html) [part 2 #6213](https://forums.hardwarezone.com.sg/122247671-post6213.html) [part 2 #7454](https://forums.hardwarezone.com.sg/123444531-post7454.html) 62 | * Is there a need for multiple bond ETFs? [part 2 #5304](https://forums.hardwarezone.com.sg/120960926-post5304.html) 63 | * What should I be looking for when picking a bond ETF? [part 2 #5532](https://forums.hardwarezone.com.sg/121225816-post5532.html) 64 | * What bonds to buy if you will retire in the UK? [part 2 #5653](https://forums.hardwarezone.com.sg/121424381-post5653.html) 65 | * What bonds to buy if you don't know which country you will retire in? [part 2 #5653](https://forums.hardwarezone.com.sg/121424381-post5653.html) 66 | * Should I store part of my emergency fund in a bond fund? [part 2 #5854](https://forums.hardwarezone.com.sg/121759850-post5854.html) 67 | * Do bond funds really move with interest rates, or in a sawtooth pattern? [part 2 #5858](https://forums.hardwarezone.com.sg/121776671-post5858.html) 68 | * Why is MBH now being recommended over A35 for bond fund? [part 2 #5877](https://forums.hardwarezone.com.sg/121825374-post5877.html) [part 2 #5350](https://forums.hardwarezone.com.sg/121023680-post5350.html) [part 2 #6572](https://forums.hardwarezone.com.sg/122392637-post6572.html) 69 | * Should I sell A35 to buy into MBH, or just keep it and buy MBH moving forwards? [part 2 #5906](https://forums.hardwarezone.com.sg/121889467-post5906.html) [part 2 #5998](https://forums.hardwarezone.com.sg/122035216-post5998.html) [part 2 #6256](https://forums.hardwarezone.com.sg/122265738-post6256.html) [part 2 #6613](https://forums.hardwarezone.com.sg/122425272-post6613.html) [part 2 #7452](https://forums.hardwarezone.com.sg/123443222-post7452.html) 70 | * What do we do _if_ bond yields turn negative? [part 2 #5977](https://forums.hardwarezone.com.sg/122002464-post5977.html) 71 | * What if I am planning to retire in a country with less-developed capital markets? [part 2 #6125](https://forums.hardwarezone.com.sg/122179239-post6125.html) 72 | * Is there a bond ETF (on IBKR) that you'd recommend if we want to hit the 100k mark asap? [part 2 #6613](https://forums.hardwarezone.com.sg/122425272-post6613.html) 73 | * Why invest in MBH instead of a global investment grade bond ETF? [part 2 #6869](https://forums.hardwarezone.com.sg/122682711-post6869.html) 74 | * Views on Stashaway's SGD income portfolio that contains bonds, STI and REITS? [part 2 #6876](https://forums.hardwarezone.com.sg/122697603-post6876.html) 75 | * Is it normal for bond ETF prices to increase steadily over months? [part 2 #7814](https://forums.hardwarezone.com.sg/123881767-post7814.html) 76 | * What's a good choice for a global bond ETF? [part 2 #7948](https://forums.hardwarezone.com.sg/124017505-post7948.html) 77 | 78 | ## Other investments 79 | * Astrea V? [part 2 #5285](https://forums.hardwarezone.com.sg/120938999-post5285.html) 80 | * Participate in Employer Stock Purchase Plan? [part 2 #5285](https://forums.hardwarezone.com.sg/120938999-post5285.html) 81 | * Recommendations for Gold ETF? [part 2 #5673](https://forums.hardwarezone.com.sg/121452484-post5673.html) 82 | * Equivalents in Australia? [part 2 #6086](https://forums.hardwarezone.com.sg/122132169-post6086.html) 83 | * Should I buy more 'ethical' ETFs? [part 2 #6867](https://forums.hardwarezone.com.sg/122681248-post6867.html) 84 | 85 | ## Brokers/RSPs 86 | * Which broker should I use for IWDA/EIMI? [part 2 #5047](https://forums.hardwarezone.com.sg/120651459-post5047.html) [part 2 #5699](https://forums.hardwarezone.com.sg/121481705-post5699.html) 87 | * How do I keep my asset allocation between ES3/MBH with POSB IS, as the price fluctuates? [part 2 #5047](https://forums.hardwarezone.com.sg/120651459-post5047.html) 88 | * Leave all the banks on IBKR's Insured Bank Deposit Sweep checked? [part 2 #5060](https://forums.hardwarezone.com.sg/120669790-post5060.html) 89 | * StashAway? [part 2 #5105](https://forums.hardwarezone.com.sg/120721953-post5105.html) 90 | * Is there any better way to get USD to SCB settlement account, other than SCB's rate? [part 2 #5144](https://forums.hardwarezone.com.sg/120752842-post5144.html) 91 | * MoneyOwl and their fees? [part 2 #5285](https://forums.hardwarezone.com.sg/120938999-post5285.html) [part 2 #5350](https://forums.hardwarezone.com.sg/121023680-post5350.html) [part 2 #5431](https://forums.hardwarezone.com.sg/121088669-post5431.html) [part 2 #5732](https://forums.hardwarezone.com.sg/121512062-post5732.html) [part 2 #6406](https://forums.hardwarezone.com.sg/122333002-post6406.html) 92 | * What happens if IBKR or SCB goes bust? or, do I need to spread my holdings across brokers? [part 2 #5431](https://forums.hardwarezone.com.sg/121088669-post5431.html) [part 2 #5699](https://forums.hardwarezone.com.sg/121481705-post5699.html) [part 2 #5772](https://forums.hardwarezone.com.sg/121589801-post5772.html) [part 2 #5877](https://forums.hardwarezone.com.sg/121825374-post5877.html) [part 2 #6098](https://forums.hardwarezone.com.sg/122148331-post6098.html) 93 | * OCBC's RoboInvest? [part 2 #5462](https://forums.hardwarezone.com.sg/121149260-post5462.html) 94 | * Where's the catch on FSM fees? [part 2 #5532](https://forums.hardwarezone.com.sg/121225816-post5532.html) 95 | * Should I move all my holdings from SCB to IBKR at some point? [part 2 #5625](https://forums.hardwarezone.com.sg/121353556-post5625.html) [part 2 #5877](https://forums.hardwarezone.com.sg/121825374-post5877.html) [part 2 #6613](https://forums.hardwarezone.com.sg/122425272-post6613.html) 96 | * DBSV cash upfront vs SCB? [part 2 #5625](https://forums.hardwarezone.com.sg/121353556-post5625.html) 97 | * Should I use Phillips/POEMS? [part 2 #5653](https://forums.hardwarezone.com.sg/121424381-post5653.html) [part 2 #6985](https://forums.hardwarezone.com.sg/122843790-post6985.html) 98 | * What is SCB's forex spread, or how does it compare to IBKR? [part 2 #5653](https://forums.hardwarezone.com.sg/121424381-post5653.html) [part 2 #6611](https://forums.hardwarezone.com.sg/122420714-post6611.html) 99 | * SCB's Customer Account Review? [part 2 #5805](https://forums.hardwarezone.com.sg/121664749-post5805.html) 100 | * Why not Saxo? [part 2 #5812](https://forums.hardwarezone.com.sg/121681831-post5812.html) [part 2 #7049](https://forums.hardwarezone.com.sg/122941151-post7049.html) [part 2 #7897](https://forums.hardwarezone.com.sg/123956612-post7897.html) [part 2 #7995](https://forums.hardwarezone.com.sg/124098244-post7995.html) 101 | * Should I use Saxo or some other broker with a promo for a short while before switching? [part 2 #5818](https://forums.hardwarezone.com.sg/121697823-post5818.html) 102 | * If I'm buying IWDA 4 times a year, still buy through IBKR? [part 2 #5866](https://forums.hardwarezone.com.sg/121792763-post5866.html) 103 | * Can SCB Priority's AUM of 200k be met purely through equity holdings? [part 2 #6153](https://forums.hardwarezone.com.sg/122212178-post6153.html) 104 | * Can I use a standing instruction with my bank to deposit a fixed amount of cash into IBKR every month? [part 2 #6613](https://forums.hardwarezone.com.sg/122425272-post6613.html) 105 | * Is there any better choice than POSB IS? [part 2 #6613](https://forums.hardwarezone.com.sg/122425272-post6613.html) 106 | * Do we need to know the exact, latest market price before placing orders? What price should we bid at? [part 2 #7067](https://forums.hardwarezone.com.sg/122956038-post7067.html) 107 | * Why did I get prompted that more cash is required when I tried to use the mobile IBKR currency converter? [part 2 #7135](https://forums.hardwarezone.com.sg/123051959-post7135.html) 108 | * What's this IBKR Lite thing, can I use it? [part 2 #7264](https://forums.hardwarezone.com.sg/123247122-post7264.html) 109 | * How do I switch from POSB-IS to SCB? [part 2 #7385](https://forums.hardwarezone.com.sg/123367926-post7385.html) 110 | * What happens if the fund manager goes bust? [part 2 #7385](https://forums.hardwarezone.com.sg/123367926-post7385.html) 111 | * What if I'm doing a lump sum into IWDA and hold? [part 2 #7473](https://forums.hardwarezone.com.sg/123461327-post7473.html) 112 | * Is there any difference between the new IBKR mobile app's "Convert Currency" and using the desktop app? [part 2 #7848](https://forums.hardwarezone.com.sg/123912572-post7848.html) 113 | * How does the USD 1000/month rule of thumb come about, does it assume you batch up otherwise? [part 2 #7995](https://forums.hardwarezone.com.sg/124098244-post7995.html) 114 | 115 | ## Insurance 116 | 117 | ## Retirement (?) 118 | * Does the 4% withdrawal rate work for a FIRE retirement in 30s or 40s? [part 2 #5977](https://forums.hardwarezone.com.sg/122002464-post5977.html) What about 3%? [part 2 #5987](https://forums.hardwarezone.com.sg/122016879-post5987.html) 119 | 120 | ## Misc 121 | * What are the foreign exchange market trading hours? [part 2 #5351](https://forums.hardwarezone.com.sg/121023692-post5351.html) 122 | 123 | ## News and Events 124 | * Why did both stock and bond markets go up when US employment numbers come in weak in June 2019? [part 2 #5492](https://forums.hardwarezone.com.sg/121179860-post5492.html) 125 | * ShinyThings now owns joshuagiersch dot com since June 2019 so that it can't sell pirated copies of the book [part 2 #5431](https://forums.hardwarezone.com.sg/121088669-post5431.html) 126 | * Is the new 2019 edition for real? [part 2 #5192](https://forums.hardwarezone.com.sg/120787410-post5192.html) 127 | * Is the new 2019 edition worth it if you already have the first edition? / What are the updates? [part 2 #5066](https://forums.hardwarezone.com.sg/120685256-post5066.html) [part 2 #6949](https://forums.hardwarezone.com.sg/122796008-post6949.html) 128 | * Is the latest edition of the book the black or green colour paperback? [part 2 #6153](https://forums.hardwarezone.com.sg/122212178-post6153.html) 129 | * Inverted yield curves in August 2019 [part 2 #6167](https://forums.hardwarezone.com.sg/122230215-post6167.html) 130 | * Things You Don't Need To Freak Out About: Repo Rates [part 2 #6966](https://forums.hardwarezone.com.sg/122811165-post6966.html) --------------------------------------------------------------------------------