{"id":75691,"date":"2024-06-14T10:04:30","date_gmt":"2024-06-14T02:04:30","guid":{"rendered":"https:\/\/nomoneylah.com\/?p=75691"},"modified":"2024-06-14T10:13:54","modified_gmt":"2024-06-14T02:13:54","slug":"how-i-invest-as-i-turn-30","status":"publish","type":"post","link":"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/","title":{"rendered":"My investing strategies as I turn 30"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>&#8220;What&#8217;s your investment strategy?&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p>This is a question I am often asked when talking to like-minded readers or friends in the <a title=\"\" class=\"aalmanual\" href=\"https:\/\/nomoneylah.com\/2019\/01\/10\/5-differences-between-investing-trading-that-experts-may-not-tell-you\/\">investing<\/a> community. <\/p>\n\n\n\n<p><strong>My answer? It <em>depends <\/em>on when you ask me this question.<\/strong><\/p>\n\n\n\n<p>In my early 20s when I first started investing, I did not have a specific style. It was an exploration phase for me, as I dabbled with different things (IPO, individual stocks) and was often influenced by my peers&#8217; opinions.<\/p>\n\n\n\n<p>As I turn 30 this year, I have managed to structure an investing strategy that fits my goals and lifestyle.<\/p>\n\n\n\n<p><strong>Simply put, going through several <em>life-changing events<\/em> and figuring out my <em>priorities <\/em>have inspired me to reflect on the investing strategy that suits me the most.<\/strong><\/p>\n\n\n\n<p>Read on as I&#8217;ll cover this topic in detail.<\/p>\n\n\n\n<div style=\"height:1px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6679763f49169\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6679763f49169\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/#Overview_My_journey_in_discovering_my_2_investing_strategies\" title=\"Overview: My journey in discovering my 2 investing strategies \">Overview: My journey in discovering my 2 investing strategies <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/#My_investing_strategy_1_Dividend_investing\" title=\"My investing strategy #1: Dividend investing\">My investing strategy #1: Dividend investing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/#My_investing_strategy_2_Growth_investing\" title=\"My investing strategy #2: Growth investing\">My investing strategy #2: Growth investing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/#Other_investing_vehicles\" title=\"Other investing vehicles\">Other investing vehicles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/#My_investing_timeline\" title=\"My investing timeline\">My investing timeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/#What_to_consider_while_designing_your_investing_strategystyle\" title=\"What to consider while designing your investing strategy\/style\">What to consider while designing your investing strategy\/style<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/#What_do_I_use_to_invest\" title=\"What do I use to invest?\">What do I use to invest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/#No_Money_Lahs_Verdict\" title=\"No Money Lah&#8217;s Verdict: \">No Money Lah&#8217;s Verdict: <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/nomoneylah.com\/2024\/06\/14\/how-i-invest-as-i-turn-30\/#Disclaimers\" title=\"Disclaimers\">Disclaimers<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-overview-my-journey-in-discovering-my-2-investing-strategies\"><span class=\"ez-toc-section\" id=\"Overview_My_journey_in_discovering_my_2_investing_strategies\"><\/span>Overview: My journey in discovering my 2 investing strategies <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before coming to my present style, I have tried different things. Here are 2 things that I have either cut down, or <em>stopped <\/em>doing entirely:<\/p>\n\n\n\n<ul>\n<li><strong>Investing in individual stocks &amp; REITs: I still do so right now, <em>BUT <\/em>I have reduced my holding on individual stocks or REITs <\/strong>as I do not have time to research individual companies. <\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Shorter-term stock trading: I&#8217;ve stopped mixing short-term stock trading with my long-term investing strategy.<\/strong> Rather, to explore my interest in trading, I joined a proprietary trading firm last year (2023) to develop my trading career in the futures market (instead of the stock market). For me, short-term trading is a career, investing is a routine &#8211; they have to be done separately.<\/li>\n<\/ul>\n\n\n\n<p>With that, I have come to 2 of my current investing strategies: Dividend and growth investing.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-luminous-vivid-orange-background-color has-background wp-element-button\" href=\"https:\/\/bit.ly\/ibkr011\" target=\"_blank\" rel=\"noreferrer noopener\">Click HERE to check out my go-to broker to invest globally<\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-my-investing-strategy-1-dividend-investing\"><span class=\"ez-toc-section\" id=\"My_investing_strategy_1_Dividend_investing\"><\/span>My investing strategy #1: Dividend investing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Long-time reader would know that I share my dividend portfolio (ie. <a href=\"https:\/\/nomoneylah.com\/freedomfund\/\" target=\"_blank\" rel=\"noreferrer noopener\">My Freedom Fund<\/a>) and dividend income on this blog.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-dividend-investing\">Why dividend investing?<\/h3>\n\n\n\n<p>There are a few life-changing events in my 20s that led me to commit to dividend investing eventually:<\/p>\n\n\n\n<ul>\n<li><strong>Cashflow as a self-employed: <br><\/strong>\n<ul>\n<li>In the early years of my career, without a consistent cashflow, planning long-term business &amp; life decisions were difficult as I would be forced into survival mode.<strong> As a self-employed, building a steady cashflow is my most important financial measure in business and life.<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Aging parents: <br><\/strong>\n<ul>\n<li>A key incident in my 20s was my late grandmother being bedridden. In this incident, my family &amp; relatives were caught off guard by the expenses &amp; energy required to take care of her. <strong>As such, I&#8217;ve learned about the importance of having a low-maintenance passive income so I can focus on people\/things that matter without the money anxieties when the time comes.<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/bit.ly\/ibkr011\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/20240608_133958-resize-819x1024.jpg\" alt=\"\" class=\"wp-image-75729\" style=\"width:441px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/20240608_133958-resize-819x1024.jpg 819w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/20240608_133958-resize-240x300.jpg 240w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/20240608_133958-resize-768x960.jpg 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/20240608_133958-resize-350x438.jpg 350w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/20240608_133958-resize.jpg 1200w\" sizes=\"(max-width: 819px) 100vw, 819px\" \/><\/a><figcaption class=\"wp-element-caption\">My 20s helped me form my investing style <\/figcaption><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-do-i-do-dividend-investing\">How do I do dividend investing?<\/h3>\n\n\n\n<p>Generally, my <a href=\"https:\/\/nomoneylah.com\/freedomfund\/\" target=\"_blank\" rel=\"noreferrer noopener\">Freedom Fund<\/a> involves investing in <a href=\"https:\/\/nomoneylah.com\/2022\/01\/13\/etf-investing-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">Exchange-Traded Funds (ETFs)<\/a> that pay dividends. <\/p>\n\n\n\n<p><strong>To expand further, there are 4 types of dividend-paying instruments in my Freedom Fund:<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Dividend growth <abbr class='c2c-text-hover' title='A publicly listed fund that usually tracks the performance of a collective basket of assets like stocks and bonds.'>ETF<\/abbr>:<\/strong> ETFs that grow their distribution consistently. So I get paid more each year as I hold these ETFs for the long term.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Covered call ETF<\/strong>: ETFs that employ <em>covered call options strategy<\/em> in all <em>or <\/em>part of its underlying asset. This allows covered call ETFs to generate extra premiums in addition to the dividends from the underlying stocks &#8211; resulting in higher distribution.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Individual <abbr class='c2c-text-hover' title='Fund that manages a portfolio of commercial and\/or private properties.'>REIT<\/abbr> or REIT ETF<\/strong>: Exposure to commercial real estate which generally pays decent dividends.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Individual dividend stocks: <\/strong>Individual stocks that pay attractive dividends. This is a smaller part of my portfolio as I do not enjoy researching individual stocks.<\/li>\n<\/ul>\n\n\n\n<p>Check out what&#8217;s in my Freedom Fund below, or <a href=\"https:\/\/nomoneylah.com\/freedomfund\/\" target=\"_blank\" rel=\"noreferrer noopener\">click HERE<\/a> for more detailed breakdown. <\/p>\n\n\n\n<div class=\"flourish-embed flourish-chart\" data-src=\"visualisation\/16637982\"><script src=\"https:\/\/public.flourish.studio\/resources\/embed.js\"><\/script><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-my-goal-for-dividend-investing\">What is my goal for dividend investing?<\/h3>\n\n\n\n<p><strong>With dividend investing, steady <em>cashflow <\/em>is my primary goal. I have a pretty clear timeline of about 15 &#8211; 20 years.<\/strong> By this time, I&#8217;d be in my mid or late 40s, where I foresee the need for steady dividend income (ie. cashflow) in scenarios where my parents may require additional care, or if I have my own family of which I&#8217;d like to spend more time together.<\/p>\n\n\n\n<p>Moreover, having a steady dividend income that can pay for my expenses also means more choices and authority to do whatever I want, be it a short break from work, or a long vacation.<\/p>\n\n\n\n<p>Simply put, my dividend income will give me the freedom of choice to focus on things that matter.<\/p>\n\n\n\n<div class=\"flourish-embed flourish-chart\" data-src=\"visualisation\/16638234\"><script src=\"https:\/\/public.flourish.studio\/resources\/embed.js\"><\/script><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-my-investing-strategy-2-growth-investing\"><span class=\"ez-toc-section\" id=\"My_investing_strategy_2_Growth_investing\"><\/span>My investing strategy #2: Growth investing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Growth investing is also another investing style that I do in <em>parallel <\/em>to dividend investing.<\/strong><\/p>\n\n\n\n<p>Generally, investments in growth assets pay<em> little to no<\/em> dividends. Rather, most returns of growth investing come from the appreciation in value of the assets.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-growth-investing\">Why growth investing?<\/h3>\n\n\n\n<p><strong>My goal for growth investing is to prepare for my older days. <\/strong>If I were to put a rough timeline, it&#8217;d be about 30 years, of which I&#8217;d turn 60.<\/p>\n\n\n\n<p>As such, with about 30 years in mind, my goal is to invest in assets with a strong tendency to grow in value over a long time frame.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/nomoneylah.com\/2024\/06\/07\/invest-in-sp500-index\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"713\" height=\"414\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-4.png\" alt=\"\" class=\"wp-image-75731\" style=\"width:643px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-4.png 713w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-4-300x174.png 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-4-350x203.png 350w\" sizes=\"(max-width: 713px) 100vw, 713px\" \/><\/a><figcaption class=\"wp-element-caption\">Generally, broad market index like the <abbr class='c2c-text-hover' title='An index that tracks the top 500 listed companies in the US.'>S&amp;P500<\/abbr> tend to grow in the long run<\/figcaption><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-i-do-growth-investing\">How I do growth investing:<\/h3>\n\n\n\n<p>There are many ways to do growth investing. Some may prefer to research and pick individual stocks with growth potential. <\/p>\n\n\n\n<p><strong>For me, I  do not prefer picking individual stocks. As such, investing in Exchange-Traded Funds (ETFs) is my go-to alternative.<\/strong><\/p>\n\n\n\n<p>Every month, I will do a routine Dollar Cost Average (DCA) on my growth portfolio regardless of market condition, as I believe my entry price will average out over time.<\/p>\n\n\n\n<p>READ: Click <a href=\"https:\/\/nomoneylah.com\/2022\/01\/13\/etf-investing-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">HERE to check out my guide to Exchange-Traded Funds (ETFs)<\/a><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure data-wp-context=\"{&quot;uploadedSrc&quot;:&quot;https:\\\/\\\/nomoneylah.com\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/etf-infograph-1.png&quot;,&quot;figureClassNames&quot;:&quot;aligncenter size-full is-resized&quot;,&quot;figureStyles&quot;:null,&quot;imgClassNames&quot;:&quot;wp-image-70709&quot;,&quot;imgStyles&quot;:&quot;width:532px;height:auto&quot;,&quot;targetWidth&quot;:800,&quot;targetHeight&quot;:800,&quot;scaleAttr&quot;:false,&quot;ariaLabel&quot;:&quot;Enlarge image: ETF is an amazing investment choice for beginners and experienced investors alike.&quot;,&quot;alt&quot;:&quot;ETF is an amazing investment choice for beginners and experienced investors alike.&quot;}\" data-wp-interactive=\"core\/image\" class=\"aligncenter size-full is-resized wp-lightbox-container\"><img decoding=\"async\" width=\"800\" height=\"800\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/03\/etf-infograph-1.png\" alt=\"ETF is an amazing investment choice for beginners and experienced investors alike.\" class=\"wp-image-70709\" style=\"width:532px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/03\/etf-infograph-1.png 800w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/03\/etf-infograph-1-300x300.png 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/03\/etf-infograph-1-150x150.png 150w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/03\/etf-infograph-1-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image: ETF is an amazing investment choice for beginners and experienced investors alike.\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"context.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"context.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">ETF is an amazing investment choice for beginners and experienced investors alike.<\/figcaption><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-s-in-my-growth-investing-portfolio\">What&#8217;s in my growth investing portfolio?<\/h3>\n\n\n\n<p>Briefly, the main investments in my growth portfolio are:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-1-s-amp-p500-etfs-cspx-vuaa\">#1 S&amp;P500 ETFs (CSPX, VUAA): <\/h4>\n\n\n\n<p><strong>At ~12.5% <abbr class='c2c-text-hover' title='Shows what an investor would earn over a period of time if the annual return was compounded.'>annualized return<\/abbr> for the past 10 years, <a href=\"https:\/\/nomoneylah.com\/2024\/06\/07\/invest-in-sp500-index\/\" target=\"_blank\" rel=\"noreferrer noopener\">ETFs like CSPX and VUAA<\/a> are Ireland-domiciled ETFs that track the performance of the S&amp;P500 index, representing the largest 500 listed companies in the US.<\/strong><\/p>\n\n\n\n<p>This is also the <em>largest <\/em>holding in my growth portfolio.<\/p>\n\n\n\n<p>Check out my full guide on <a href=\"https:\/\/nomoneylah.com\/2024\/06\/07\/invest-in-sp500-index\/\" target=\"_blank\" rel=\"noreferrer noopener\">how to invest in S&amp;P500 HERE<\/a>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/nomoneylah.com\/2024\/06\/07\/invest-in-sp500-index\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/12\/snp500-article-art-2-1-1024x512.jpg\" alt=\"How to invest in the S&amp;P500 index - Ireland-Domiciled ETF for non-US residents!\" class=\"wp-image-72078\" style=\"width:671px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/12\/snp500-article-art-2-1-1024x512.jpg 1024w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/12\/snp500-article-art-2-1-300x150.jpg 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/12\/snp500-article-art-2-1-768x384.jpg 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/12\/snp500-article-art-2-1-1536x768.jpg 1536w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2021\/12\/snp500-article-art-2-1.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-tech-sector-etfs-qqq-xlk\">#2 Tech sector ETFs (QQQ, XLK): <\/h4>\n\n\n\n<p><strong>At ~18% annualized return for the past decade, QQQ and XLK are ETFs that track, or with exposure to the overall US tech sector. <\/strong><\/p>\n\n\n\n<p>Generally, tech-focused QQQ and XLK tend to outperform the S&amp;P500, but also experience <strong>more <em>volatility <\/em>and larger <\/strong><em><strong>drawdown<\/strong> <\/em>during a downturn. This is the 2nd largest holding in my growth portfolio.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure data-wp-context=\"{&quot;uploadedSrc&quot;:&quot;https:\\\/\\\/nomoneylah.com\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/image.png&quot;,&quot;figureClassNames&quot;:&quot;aligncenter size-large is-resized&quot;,&quot;figureStyles&quot;:null,&quot;imgClassNames&quot;:&quot;wp-image-75703&quot;,&quot;imgStyles&quot;:&quot;width:825px;height:auto&quot;,&quot;targetWidth&quot;:1200,&quot;targetHeight&quot;:541,&quot;scaleAttr&quot;:false,&quot;ariaLabel&quot;:&quot;Enlarge image&quot;,&quot;alt&quot;:&quot;&quot;}\" data-wp-interactive=\"core\/image\" class=\"aligncenter size-large is-resized wp-lightbox-container\"><img decoding=\"async\" width=\"1024\" height=\"462\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-1024x462.png\" alt=\"\" class=\"wp-image-75703\" style=\"width:825px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-1024x462.png 1024w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-300x135.png 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-768x346.png 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-350x158.png 350w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"context.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"context.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">QQQ outperformed the S&amp;P500 for the past 10 years (Source: Invesco)<\/figcaption><\/figure><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-semiconductor-etf-smh\">#3 Semiconductor ETF (SMH):<\/h4>\n\n\n\n<p><strong>At ~27% annualized return for the past 10 years, the VanEck Semiconductor ETF (SMH) is an ETF that tracks the overall performance of companies involved in semiconductor production &amp; equipment.<\/strong><\/p>\n\n\n\n<p>In other words, by investing in SMH, you&#8217;ll get exposure to companies like Nvidia (NVDA), Advanced Micro Devices (AMD), and Intel.<\/p>\n\n\n\n<p>Since I think AI development is going to be the focus for the coming decades, investing in SMH will give me the extra boost I need to grow my wealth.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure data-wp-context=\"{&quot;uploadedSrc&quot;:&quot;https:\\\/\\\/nomoneylah.com\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/image-1.png&quot;,&quot;figureClassNames&quot;:&quot;aligncenter size-full is-resized&quot;,&quot;figureStyles&quot;:null,&quot;imgClassNames&quot;:&quot;wp-image-75704&quot;,&quot;imgStyles&quot;:&quot;width:417px;height:auto&quot;,&quot;targetWidth&quot;:593,&quot;targetHeight&quot;:759,&quot;scaleAttr&quot;:false,&quot;ariaLabel&quot;:&quot;Enlarge image&quot;,&quot;alt&quot;:&quot;&quot;}\" data-wp-interactive=\"core\/image\" class=\"aligncenter size-full is-resized wp-lightbox-container\"><img decoding=\"async\" width=\"593\" height=\"759\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-1.png\" alt=\"\" class=\"wp-image-75704\" style=\"width:417px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-1.png 593w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-1-234x300.png 234w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-1-350x448.png 350w\" sizes=\"(max-width: 593px) 100vw, 593px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"context.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"context.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">The top holdings of SMH (as of 5\/6\/2024)<\/figcaption><\/figure><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-crypto-bitcoin-and-ethereum\">#4 Crypto: Bitcoin and Ethereum<\/h4>\n\n\n\n<p>The next in my growth portfolio would be major <a title=\"\" class=\"aalmanual\" href=\"https:\/\/nomoneylah.com\/2020\/12\/16\/intro-to-bitcoin\/\">cryptocurrencies<\/a> like <a href=\"https:\/\/nomoneylah.com\/2020\/12\/16\/intro-to-bitcoin\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bitcoin<\/a> and <a href=\"https:\/\/nomoneylah.com\/2021\/01\/22\/intro-to-ethereum\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ethereum<\/a>.<\/p>\n\n\n\n<p>As a whole, I&#8217;d like to keep things simple when it comes to investing. As such, I adopt a hands-off approach by consistently investing a specific amount to my growth portfolio every month.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/nomoneylah.com\/2020\/12\/16\/intro-to-bitcoin\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/12\/BITCOIN-BG-PHOTO-1024x512.png\" alt=\"Check this out before investing in Bitcoin!\" class=\"wp-image-70387\" style=\"width:664px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/12\/BITCOIN-BG-PHOTO-1024x512.png 1024w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/12\/BITCOIN-BG-PHOTO-300x150.png 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/12\/BITCOIN-BG-PHOTO-768x384.png 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/12\/BITCOIN-BG-PHOTO-1536x768.png 1536w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2020\/12\/BITCOIN-BG-PHOTO.png 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption class=\"wp-element-caption\">Check this out before investing in Bitcoin!<\/figcaption><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-other-investing-vehicles\"><span class=\"ez-toc-section\" id=\"Other_investing_vehicles\"><\/span>Other investing vehicles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Aside from my main portfolios, I also invest &amp; contribute to things like:<\/p>\n\n\n\n<ul>\n<li>EPF &amp; PRS to maximize tax relief<\/li>\n\n\n\n<li><a href=\"https:\/\/nomoneylah.com\/2022\/01\/23\/intro-to-asnb\/\" target=\"_blank\" rel=\"noreferrer noopener\">ASNB<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/nomoneylah.com\/2024\/01\/10\/why-invest-in-gold\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gold<\/a><\/li>\n\n\n\n<li>Robo-advisors like <a href=\"https:\/\/nomoneylah.com\/2023\/05\/01\/stashaway-flexible-portfolios-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">StashAway<\/a>, <a href=\"https:\/\/nomoneylah.com\/2023\/02\/20\/syfe-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Syfe<\/a>, Wahed, and <a href=\"https:\/\/nomoneylah.com\/2022\/05\/30\/versa-invest-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Versa Invest<\/a>.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-my-investing-timeline\"><span class=\"ez-toc-section\" id=\"My_investing_timeline\"><\/span>My investing timeline<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The timeline for both my investing strategies are different and fulfill a specific role:<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;uploadedSrc&quot;:&quot;https:\\\/\\\/nomoneylah.com\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/image-2.png&quot;,&quot;figureClassNames&quot;:&quot;wp-block-image size-large is-resized&quot;,&quot;figureStyles&quot;:null,&quot;imgClassNames&quot;:&quot;wp-image-75720&quot;,&quot;imgStyles&quot;:&quot;width:889px;height:auto&quot;,&quot;targetWidth&quot;:1650,&quot;targetHeight&quot;:800,&quot;scaleAttr&quot;:false,&quot;ariaLabel&quot;:&quot;Enlarge image&quot;,&quot;alt&quot;:&quot;&quot;}\" data-wp-interactive=\"core\/image\" class=\"wp-block-image size-large is-resized wp-lightbox-container\"><img decoding=\"async\" width=\"1024\" height=\"496\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-2-1024x496.png\" alt=\"\" class=\"wp-image-75720\" style=\"width:889px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-2-1024x496.png 1024w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-2-300x145.png 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-2-768x372.png 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-2-1536x745.png 1536w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-2-350x170.png 350w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-2.png 1650w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge image\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"context.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"context.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-consider-while-designing-your-investing-strategy-style\"><span class=\"ez-toc-section\" id=\"What_to_consider_while_designing_your_investing_strategystyle\"><\/span>What to consider while designing your investing strategy\/style<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>How you should invest depends largely on your personal circumstances and goals in life &#8211; there is simply no one-size-fits-all investing strategy.<\/p>\n\n\n\n<p>4 things to consider while determining how you should invest:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-factor-1-career-and-income-stability\">Factor #1: Career and income stability<\/h3>\n\n\n\n<p>The state of your career and income can be a factor to consider. <\/p>\n\n\n\n<p><strong>For instance, being a self-employed, I am aware that my income may not always be steady. Hence, I have chosen to commit to dividend investing to build consistent cashflow as a financial measure in the future.<\/strong><\/p>\n\n\n\n<p>Meanwhile, one with a more stable job and income (eg. you work in the government sector) may consider focusing purely on investing in growth assets to maximize their wealth.<\/p>\n\n\n\n<div style=\"height:1px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-factor-2-lifestyle-amp-goals\">Factor #2: Lifestyle &amp; goals<\/h3>\n\n\n\n<p>The lifestyle and goals you are looking to pursue are important factors to consider as well.<\/p>\n\n\n\n<p>Some invest to live a rich life one day (eg. expensive cars, luxury bags). <strong>I invest to live a financially free life.<\/strong><\/p>\n\n\n\n<p>To live a rich life means you will need a lot of money to do so. But to live a financially-free life can be done even without a lot of money.<\/p>\n\n\n\n<p>For instance, if I only need RM5,000\/month to live comfortably, then I am financially free to moment my passive income from dividends reaches or exceeds RM5,000. <\/p>\n\n\n\n<p>Therefore, it is important for you to be clear about the life you&#8217;d like to live.<\/p>\n\n\n\n<div style=\"height:1px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-factor-3-time-to-manage-portfolio\">Factor #3: Time to manage portfolio<\/h3>\n\n\n\n<p>Not everyone will have the time and find it fun to actively research and manage their investments. <\/p>\n\n\n\n<p>I am one of those people, which led me to incline towards <a href=\"https:\/\/nomoneylah.com\/2022\/01\/13\/etf-investing-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">investing in ETFs<\/a> which I consider low maintenance.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-do-i-use-to-invest\"><span class=\"ez-toc-section\" id=\"What_do_I_use_to_invest\"><\/span>What do I use to invest?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Personally, I use multiple platforms to invest, as a way to diversify my funds. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-global-stocks-amp-etfs-us-london-canada-interactive-brokers-ibkr\">#1 Global stocks &amp; ETFs (US, London, Canada): Interactive Brokers (IBKR)<\/h3>\n\n\n\n<p><strong><a href=\"https:\/\/bit.ly\/ibkr009\" target=\"_blank\" rel=\"noreferrer noopener\">Interactive Brokers (IBKR)<\/a><\/strong> is my go-to platform for global stocks and ETFs as it provides access to<a href=\"https:\/\/bit.ly\/ibkr011\" target=\"_blank\" rel=\"noreferrer noopener\"> over 150 markets in 34 countries<\/a>, including the US, UK, and Canadian stock markets which I need to build my portfolio.<\/p>\n\n\n\n<p>Furthermore, IBKR has one of the <a href=\"https:\/\/bit.ly\/ibkr009\" target=\"_blank\" rel=\"noreferrer noopener\">most affordable fee structure<\/a> in the market.<\/p>\n\n\n\n<p>READ: Check out my <a href=\"https:\/\/nomoneylah.com\/2024\/06\/11\/interactive-brokers-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Interactive Brokers (IBKR) review HERE<\/a>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/bit.ly\/ibkr009\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"799\" height=\"188\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-3.png\" alt=\"Interactive Brokers (IBKR) Malaysia - How I use IBKR to invest\" class=\"wp-image-75723\" style=\"width:739px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-3.png 799w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-3-300x71.png 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-3-768x181.png 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/image-3-350x82.png 350w\" sizes=\"(max-width: 799px) 100vw, 799px\" \/><\/a><\/figure><\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-luminous-vivid-orange-background-color has-background wp-element-button\" href=\"https:\/\/bit.ly\/ibkr009\" target=\"_blank\" rel=\"noreferrer noopener\">Explore Interactive Brokers (IBKR) today!<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-us-and-malaysia-stocks-moomoo-my-amp-rakuten-trade\">#2 US and Malaysia stocks: Moomoo MY &amp; Rakuten Trade<\/h3>\n\n\n\n<p>Aside from that, I also use locally-regulated platforms like <a href=\"https:\/\/nomoneylah.com\/2024\/06\/12\/moomoo-malaysia-review\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Moomoo MY<\/strong><\/a> and <a href=\"https:\/\/nomoneylah.com\/2024\/04\/02\/rakuten-trade-us-trading-review\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Rakuten Trade<\/strong><\/a> to access the US and local Malaysia stock market.<\/p>\n\n\n\n<p>READ: <a href=\"https:\/\/nomoneylah.com\/2024\/06\/12\/moomoo-malaysia-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">My in-depth Moomoo MY review<\/a><\/p>\n\n\n\n<p>READ: <a href=\"https:\/\/nomoneylah.com\/2024\/04\/02\/rakuten-trade-us-trading-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rakuten Trade long-term user review<\/a><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/nomoneylah.com\/2024\/06\/12\/moomoo-malaysia-review\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/03\/Moomoo-Malaysia-Review-article-art-1-1024x512.jpg\" alt=\"Moomoo Malaysia Review\" class=\"wp-image-75540\" style=\"width:673px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/03\/Moomoo-Malaysia-Review-article-art-1-1024x512.jpg 1024w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/03\/Moomoo-Malaysia-Review-article-art-1-300x150.jpg 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/03\/Moomoo-Malaysia-Review-article-art-1-768x384.jpg 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/03\/Moomoo-Malaysia-Review-article-art-1-1536x768.jpg 1536w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/03\/Moomoo-Malaysia-Review-article-art-1-350x175.jpg 350w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/03\/Moomoo-Malaysia-Review-article-art-1.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-luminous-vivid-orange-background-color has-background wp-element-button\" href=\"https:\/\/nomoneylah.com\/2024\/06\/12\/moomoo-malaysia-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Read my Moomoo MY review<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-robo-advisors-stashaway-syfe\">#3 Robo-advisors: StashAway, Syfe<\/h3>\n\n\n\n<p>Aside from brokers, I also use robo-advisors like <a href=\"https:\/\/nomoneylah.com\/2023\/05\/01\/stashaway-flexible-portfolios-review\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>StashAway<\/strong><\/a> and <a href=\"https:\/\/nomoneylah.com\/2023\/02\/20\/syfe-review\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Syfe<\/strong><\/a> to automate a lot of my investment routine.<\/p>\n\n\n\n<p>For instance, I have automated monthly investments to Syfe&#8217;s Equity 100 ETF and REIT+ portfolio. I also use <a href=\"https:\/\/nomoneylah.com\/2023\/05\/01\/stashaway-flexible-portfolios-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">StashAway&#8217;s Flexible Portfolio<\/a> for my smaller investment routine (eg. Investing for long-term family fund).<\/p>\n\n\n\n<p>READ: <a href=\"https:\/\/nomoneylah.com\/2023\/05\/01\/stashaway-flexible-portfolios-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">My StashAway review<\/a><\/p>\n\n\n\n<p>READ: <a href=\"https:\/\/nomoneylah.com\/2023\/02\/20\/syfe-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">My Syfe review<\/a><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/nomoneylah.com\/2023\/05\/01\/stashaway-flexible-portfolios-review\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2023\/04\/2-Flexible-Portfolio-Article-Art-1024x512.jpg\" alt=\"StashAway Flexible Portfolios Review\" class=\"wp-image-74697\" style=\"width:664px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2023\/04\/2-Flexible-Portfolio-Article-Art-1024x512.jpg 1024w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2023\/04\/2-Flexible-Portfolio-Article-Art-300x150.jpg 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2023\/04\/2-Flexible-Portfolio-Article-Art-768x384.jpg 768w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2023\/04\/2-Flexible-Portfolio-Article-Art-1536x768.jpg 1536w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2023\/04\/2-Flexible-Portfolio-Article-Art-350x175.jpg 350w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2023\/04\/2-Flexible-Portfolio-Article-Art.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-4 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-luminous-vivid-orange-background-color has-background wp-element-button\" href=\"https:\/\/nomoneylah.com\/2023\/05\/01\/stashaway-flexible-portfolios-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Read my StashAway review<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-crypto-luno\">#4: Crypto: Luno<\/h3>\n\n\n\n<p>When it comes to investing in crypto like Bitcoin and Ethereum, my go-to platform would be <strong><a href=\"https:\/\/www.luno.com\/invite\/ZKQST\" target=\"_blank\" rel=\"noreferrer noopener\">Luno<\/a><\/strong>, since it is regulated in Malaysia and I have been using it since 2017.<\/p>\n\n\n\n<p>Invest in&nbsp;crypto via Luno &#8211; <a href=\"https:\/\/www.luno.com\/invite\/ZKQST\" target=\"_blank\" rel=\"noreferrer noopener\">use my dedicated promo code&nbsp;<strong>ZKQST<\/strong><\/a>, and you will get RM75 worth of Bitcoin when you invest RM250 or more.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/www.luno.com\/invite\/ZKQST\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"654\" height=\"215\" src=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/Luno-new-logo.png\" alt=\"Luno Malaysia - How I use Luno to invest\" class=\"wp-image-75725\" style=\"width:549px;height:auto\" srcset=\"https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/Luno-new-logo.png 654w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/Luno-new-logo-300x99.png 300w, https:\/\/nomoneylah.com\/wp-content\/uploads\/2024\/06\/Luno-new-logo-350x115.png 350w\" sizes=\"(max-width: 654px) 100vw, 654px\" \/><\/a><\/figure><\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-luminous-vivid-orange-background-color has-background wp-element-button\" href=\"https:\/\/www.luno.com\/invite\/ZKQST\" target=\"_blank\" rel=\"noreferrer noopener\">Open a Luno account today!<\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-no-money-lah-s-verdict\"><span class=\"ez-toc-section\" id=\"No_Money_Lahs_Verdict\"><\/span>No Money Lah&#8217;s Verdict: <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>I started dabbling with various investment instruments since my early 20s. <\/p>\n\n\n\n<p>As I go through different life events and career progress in my 20s, I finally have a clear goal towards investing, as I discover what is important to me in life.<\/p>\n\n\n\n<p><strong>My biggest lesson from the past decade is there is no perfect investing style that can fulfill everyone&#8217;s need. It is a journey of discovery &#8211; your goals, your risk appetite, your capital &#8211; that determines how best to invest your money.<\/strong><\/p>\n\n\n\n<p>May this post helps you to reflect on your own investment style &#8211; stay awesome!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-disclaimers\"><span class=\"ez-toc-section\" id=\"Disclaimers\"><\/span>Disclaimers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Past performance is not indicative of future performance.<\/p>\n\n\n\n<p>This post is produced for general information purposes only. It is not intended to constitute professional advice, and should not be relied on or treated as a substitute for specific advice relevant to particular circumstances.<\/p>\n\n\n\n<p>The inclusion of <a href=\"https:\/\/bit.ly\/ibkr010\" target=\"_blank\" rel=\"noreferrer noopener\">Interactive Brokers\u2019 (IBKR)<\/a> name, logo or weblinks is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.<\/p>\n\n\n\n<p>The inclusion of <a href=\"https:\/\/j.moomoo.com\/00JowH\" target=\"_blank\" rel=\"noreferrer noopener\">Moomoo MY<\/a> and <a title=\"\" class=\"aalmanual\" href=\"https:\/\/nomoneylah.com\/2021\/02\/08\/rakuten-trade-review\/\">Rakuten Trade<\/a>&#8217;s name, logo or weblinks is present pursuant to a collaboration arrangement only. Moomoo MY and Rakuten Trade is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.<\/p>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;What&#8217;s your investment strategy?&#8221; This is a question I am often asked when talking to like-minded readers or friends in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":75733,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[333],"tags":[251,271,287,289,334,336,411,184],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.9 (Yoast SEO v22.9) - 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