Your TFSA portfolio

The_Ogre

The_Ogre

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OK, by now most of us have one of these.

What does your portfolio look like?

Mine:

Coreshares Proptrax Ten ETF (PTXTEN)
DB X-Trackers Col in Japan ETF (DBXJP)
DB X-Trackers Col in WLD ETF (DBXWD)
RMB Mid Cap ETF (RMBMID)
Stanlib Swix40 ETF (STANSX)

This is via EasyEquities.

I then have a monthly Stop Order with Standard Bank for the Bettabeta Be Green ETF - I can't remember why the hell I chose this ETF, but I just left it once the stop orders started going off of my account.
 
YingYang said:
OK, by now most of us have one of these.

What does your portfolio look like?

Mine:

Coreshares Proptrax Ten ETF (PTXTEN)
DB X-Trackers Col in Japan ETF (DBXJP)
DB X-Trackers Col in WLD ETF (DBXWD)
RMB Mid Cap ETF (RMBMID)
Stanlib Swix40 ETF (STANSX)

This is via EasyEquities.

I then have a monthly Stop Order with Standard Bank for the Bettabeta Be Green ETF - I can't remember why the hell I chose this ETF, but I just left it once the stop orders started going off of my account.
Click to expand...

20% into each?

Why specifically the Japan ETF compared to the others?
 
supersunbird said:
20% into each?

Why specifically the Japan ETF compared to the others?
Click to expand...
It had the better, more consistent performance at the time. I honestly had no other reason than that.

And no, the Japan ETF and RMB Midcap have a higher percentage than the others
 
So what sort of returns/growth are you getting in terms of percentage per annum?
 
ambroseg1 said:
So what sort of returns/growth are you getting in terms of percentage per annum?
Click to expand...
Total loss = 1.29%

This is 100% because of the shenanigans caused by the Chinese on Monday, I was quite nicely in the green up until then :(
 
YingYang said:
Total loss = 1.29%

This is 100% because of the shenanigans caused by the Chinese on Monday, I was quite nicely in the green up until then :(
Click to expand...

In a situation such as this....would it not be safer to invest in a TFSA account in the form of a "fixed" deposit where the bank guarantees returns all be it very low? Standard **** has one called the "tax free call" with a return of 5.75%. Interest calculated daily and immediate access to funds should you wish to withdraw.
 
ambroseg1 said:
In a situation such as this....would it not be safer to invest in a TFSA account in the form of a "fixed" deposit where the bank guarantees returns all be it very low? Standard **** has one called the "tax free call" with a return of 5.75%. Interest calculated daily and immediate access to funds should you wish to withdraw.
Click to expand...

All he will do if he sold now to invest in something else is cement the losses. If one wants to sell now one should not have been in equity in the first place, in my opinion, if one wanted to be safe and have little growth over the long term, then that fixed deposit thing is a better option.
 
ambroseg1 said:
In a situation such as this....would it not be safer to invest in a TFSA account in the form of a "fixed" deposit where the bank guarantees returns all be it very low? Standard **** has one called the "tax free call" with a return of 5.75%. Interest calculated daily and immediate access to funds should you wish to withdraw.
Click to expand...

Withdrawing now from a tax free account would be a horrible shame.
 
czc said:
Withdrawing now from a tax free account would be a horrible shame.
Click to expand...

Didn't mean he should withdraw. I was actually making a suggestion that one should rather deposit into a "fixed" deposit type account to start with.
 
I also have my TFSA with Easy Equities. Current holdings :

DIVTRX
PTXTEN
DBXUS

For my wifes' account we swopped PTXTEN for STXIND.
 
My my plan is at the moment:
20% RMBT40 RMB Top 40 ETF
20% DBXWD DB X-Trackers Col in WLD ETF
20% STXFIN Satrix FINI Index Tracker Fund
20% STXRAF Satrix Rafi 40 Total
20% PTXSPY Grindrod Property Index Tracker SAPY ETF

Will only start investing next year though. That list has changed dramatically since I first made it a couple months ago. This is my best for now. Will be investing through EasyEquities.

Also, here's the internal fees of a couple of the Top 40 ETFs (lower is better):
STX40 0.45
BBET40 0.29
RMBT40 0.16
 
Lump sum deposits into:

Nedgroup Invest Core Diversified unit trust (0.47% annual fee)
Grindrod Global Property Income unit trust (0.50% annual fee)

Recurring investments into:

Satrix Equally Weighted Top 40 index fund (0.25% annual fee)
Satrix MSCI World Equity index fund (0.20% annual fee)
Satrix Property index fund (0.25% annual fee)

Lump sums invested directly and the debit orders via PSG's TFSA account.
 
Galactica said:
Lump sum deposits into:

Nedgroup Invest Core Diversified unit trust (0.47% annual fee)
Grindrod Global Property Income unit trust (0.50% annual fee)

Recurring investments into:

Satrix Equally Weighted Top 40 index fund (0.25% annual fee)
Satrix MSCI World Equity index fund (0.20% annual fee)
Satrix Property index fund (0.25% annual fee)

Lump sums invested directly and the debit orders via PSG's TFSA account.
Click to expand...

How much is the PSG accounts fees?

I was considering the following for mine via EasyEquity ETFs which is similar to your funds:

40% - DB X-Trackers Col in WLD ETF (DBXWD)
40% - BettaBeta Equally Weighted Top 40 (BBET40)
20% - Coreshares Proptrax Ten ETF (PTXTEN)
 
supersunbird said:
How much is the PSG accounts fees?

I was considering the following for mine via EasyEquity ETFs which is similar to your funds:

40% - DB X-Trackers Col in WLD ETF (DBXWD)
40% - BettaBeta Equally Weighted Top 40 (BBET40)
20% - Coreshares Proptrax Ten ETF (PTXTEN)
Click to expand...
Platform fees per annum:

First R0 – R1 500 000: 0.57%
Above R1 500 000: slides to 0.228%
 
100% cash.

I just opened it this week, still waiting to see what the market does then I will invest in property via Easyequities.
 
ambroseg1 said:
better than the possibility of negative growth?
Click to expand...

You are totally risk averse, that is fine.

Example:
I will only need to safe 20% of my salary to be able to retire in a manner that I want, you would probably need to safe 50% to retire in the same manner as me.

And if you want to be in interest bearing safe accounts you don't even need to bother with a TFSA unless you have a lumpsum (probably more than R400 000) that will give you interest above the R23 800 tax exempt amount.
 
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