Reviewing a $900K+ Portfolio for Foreigner Planning to Retire in Singapore

Рет қаралды 22,420

Күн бұрын

Пікірлер: 58

@adamtan20 3 ай бұрын

Don't watch your videos as much, but this series videos are the only ones i watch, love to see what people buy due to different perspectives. sent in my own portfolio hope its interesting enough to review it :)

@TheFifthPersonChannel 3 ай бұрын

Thanks for watching!

@IanChan-o2d 3 ай бұрын

Thanks and glad I watched this video...very educational & insightful analysis !

@TheFifthPersonChannel 3 ай бұрын

Thanks for watching, Ian! Glad you enjoyed it!

@patrickmaurin995 3 ай бұрын

Very interesting, I like your portfolio review

@TheFifthPersonChannel 3 ай бұрын

Glad you enjoy it!

@zeeeee21 3 ай бұрын

What is the downside of holding too many different ETFs? Is it only a tracking and monitoring issue? Thanks!

@xuanru1411 3 ай бұрын

where can i find the overview of the ETF like the one you show, with the top 10 holding, performance details and sector weightage all in 1?

@sue311m 3 ай бұрын

what would make this portfolio go from B / B+ to A?

@starbreath76 3 ай бұрын

I would add some bonds to the portfolio instead of high % of dividend stocks for risk management

@robertdagge200 3 ай бұрын

A $900k portfolio at age 41!!!!!!? Impressive indeed - I didn't have $90k at that age....

@manewhairstyle 3 ай бұрын

how do you not have 90k at 40... save 5k every year for 18 years and you get 90k...?

@lidna82 3 ай бұрын

It's impressive as a stock portfolio but we don't know how much cash he has on hand and he doesn't own a property.

@kelvingoh5620 3 ай бұрын

father rich can have more to start ah haha

@WeimingXie-zk3rm 3 ай бұрын

Don’t forget that he doesn’t have cpf and don’t own a property. So 900k is not a lot in that aspect.

@orlandochan7160 3 ай бұрын

If Iceman was planning to stay in SG for long term, it might be a good idea to put some money into an SRS account to get some tax relief. The down side is that this money can only be used for SG instruments and the penalties of early withdrawal. Might be a consideration for the bond portfolio that Rusmin mentioned.

@mee-you-sicsongsforeveryon7174 3 ай бұрын

Aside from the early withdrawal penalties, you also need to consider the maximum tax (24% at the moment - might increase in the future) that will be incurred to your SRS if you unfortunately have to go back to your country earlier due to unforeseen circumstances and you need to withdraw the whole amount.

@Nuketay9447 3 ай бұрын

Can I also send in my portfolio to be analysed?

@TheFifthPersonChannel 3 ай бұрын

Sure! You can email us and we'll let you know if we select it for review

@hmodywakid 3 ай бұрын

40%-voo/ 30%-qqqm/10%-xlv/10%-ppa/10%-schd what do u think ?

@fongheenkitaloka2800 3 ай бұрын

What are your thoughts on SMH vs SOXX?

@TheFifthPersonChannel 3 ай бұрын

They are very similar, both with an expense ratio of 0.35%. SMH carries a higher concentration risk, especially in Nvidia (20%) and TSMC (14%), whereas SOXX is more diversified and equally weighted across its components. However, SOXX is confined to U.S. stocks, meaning it doesn’t offer exposure to companies like TSMC and ASML, which SMH does include.

@SuperRambala 3 ай бұрын

GOOD ANALYSIS

@TheFifthPersonChannel 3 ай бұрын

THANKS!

@leanne2330 2 ай бұрын

Hi, isn't it overseas divd payout in foreign currency attract bank fees and taxes? I recalled pointless even to collect a 100$us cheque as bank charges s$35 after usa tax etc. The yield reduced. Am I right?

@TheFifthPersonChannel 2 ай бұрын

Dividends are normally credited to your brokerage account net of taxes. You can then withdraw or reinvest the funds.

@3kingdom-i6e 3 ай бұрын

first 10k in ibkr earns nothing and rates is proportional to NAV. many people mistakenly think 4.8+% is a given.

@Constitution1789 3 ай бұрын

I agree with y'all that streamlining the portfolio would help simplify things. However, and maybe I missed it, it seems like y'all didn't mention his portfolio's annualized rate of return. If his portfolio is doing well, then maybe nothing needs to be changed.

@TheFifthPersonChannel 3 ай бұрын

Yes, nothing needs to be changed if he's perfectly happy with it

@7vjo 3 ай бұрын

I have a 60k portfolio mostly in sg bank and at REITs. How can I grow it to a 200k portfolio?

@xuedalong 2 ай бұрын

Put another $140k

@sassy19a 3 ай бұрын

I have not even watch but I love this series!

@TheFifthPersonChannel 3 ай бұрын

Haha thank you!

@Sohws 3 ай бұрын

Hi, can I ask what will happen if we own more than USD $60,000 worth of stocks? Is it we have to pay more tax other than the 30% on the dividends received?

@TheFifthPersonChannel 3 ай бұрын

We are referring to the US estate tax. You can read more here: www2.deloitte.com/content/dam/Deloitte/us/Documents/Tax/us-tax-us-estate-and-gift-tax-rules-for-resident-and-nonresident-aliens.pdf

@xuedalong 3 ай бұрын

@@TheFifthPersonChannel US estate tax only comes in if you die right? So i guess he's betting on *not* dying any time soon :) as long as he sells it before he... plans to die... then he'll be ok...?

@TheFifthPersonChannel 3 ай бұрын

Yes, estate tax only applies when you pass on

@francisyeo9510 2 ай бұрын

I find all your videos very informative n insightful. Wondering if i could meet up with either one of you for advice on my investment potfolio... amounting to over $500k. Tks

@rahmanwang 3 ай бұрын

22 different shares and ETF spread over a few countries!! Isn't that a bit of a handful to manage?

@ak2313 3 ай бұрын

Guys, I am 47 and would like to share my very “minimalistic” and contrarian to popular methods of diversification portfolio for comments. How do I go about it?

@stockkid8515 3 ай бұрын

best to just rent instead of buying.

@superconnie5003 3 ай бұрын

He should have bgt 30000 DBS shares at his average of $27.Would have out performed entire portfolio.

@hc5431 3 ай бұрын

Since when SSB ever pays 3.74% yield?😅

@tantuanphin 3 ай бұрын

May i know how long it takes from initial size to current size of portfolio

@ssping83 3 ай бұрын

That depends greatly on your savings rate.

@shailendramalik Ай бұрын

Your 100K-300K sized portfolio reviews are good, but this one I am a bit disappointed. It seems the guy is more knowledgeable than your assessment on his positions. He already mentioned that he will consolidate his 4 US ETFs to 3 only, and his thematic Semiconductor ETF was a choice for aggressive growth, unwinding from there and going to S&P 500 will dilute that aggression. I don't know the foreigner's nationality but it looks like he is okay with the estate tax as he may not liquidate his US ETF positions that soon and he is there for long term. He may liquidate in next 20 years.