ShinyThings says...

Quick and dirty index of ShinyThings' responses in the HWZ forum threads.

Current position: part 2's post 4877 to 8135

This is really just an exercise in active reading via note-taking. I don't intend to exhaustively catalogue every response in every single post. Some are so specific or esoteric that it's nowhere near the F in FAQ. Others are a bit how-to in operating SCB or IBKR.

Sometimes there are very interesting responses from BBCWatcher or tangent314 or other posters, you'll have to read the thread to find those.

If you have not, you should go buy the book from the links on richbyretirementbook.com which somehow just doesn't come up on a Google search. It's currently USD 8 for the PDF/ePub on GumRoad, USD 10 for the Kindle version, and USD 20 for the paperback.

If you need to block trolls on HWZ forums: https://forums.hardwarezone.com.sg/121047958-post5407.html

Asset allocation

Should CPF be ignored entirely, or be counted as bond allocation? part 2 #5877 part 2 #5532
Should I count emergency funds under the bond bucket? part 2 #5784
Should I count the full market value, or only the owner equity (net of loans), on property value? part 2 #5784
Should I keep my existing stocks, bonds, growth ETFs after I start buying these ETFs? part 2 #5840
How should property, whether primary residence or investment properties, be counted towards asset allocation? part 2 #5784 part 2 #5772
Should I pay down mortgage vs investing? part 2 #5772
What should I do with SRS funds, if that's suitable for me? part 2 #5732 part 2 #5532 part 2 #7848 part 2 #7897
High interest savings account vs bond ETFs like MBH? part 2 #5625
Why not REITs or real estate? part 2 #5625
Why are small caps not included next to IWDA/EIMI? part 2 #5461
What to do with cash meant for car purchase in 8 years? part 2 #5047
Should I buy more (on top of DCA amount) when market dips below x% of your average price? part 2 #6075
Why MSCI World instead of S&P500? part 2 #6209
Ray Dalio's All Weather Portfolio? part 2 #6253
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
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
I'm currently only investing in IWDA, is that ok or should I diversify? part 2 #7318
Permanent Portfolio? part 2 #7349

Equity ETFs

Quick and dirty answer to currency risks when buying equity ETFs? part 2 #5732
Should we care about currency risks on equity ETFs? Bond ETFs? part 2 #5732 part 2 #5625
ES3 vs G3B? part 2 #5699 part 2 #5461
How should you buy ES3 now that MBKE MIP is discontinued? part 2 #5304 part 2 #5285
VWRD? part 2 #5047
SWRD? part 2 #5899 part 2 #7147 part 2 #7897
VWRA? part 2 #5987 part 2 #6047 part 2 #6125
Should I sell to switch between IWDA/VWRD/VWRA? part 2 #5998
Tracking error differences between fund managers? part 2 #6057
What if I am planning to retire in a country with less-developed capital markets? part 2 #6125
How do I buy ES3 since POSB IS doesn't offer it? part 2 #6154
Pros and cons of IWDA vs IWDA+EIMI vs VWRA? part 2 #6307
Infinity Global Stock Index Fund unit trust to access Vanguard funds? part 2 #6613
Is liquidity/volume of VWRA a concern? part 2 #6996
Does the TER difference between US-listed and LSE-listed ETFs outweigh the withholding tax difference? part 2 #7250
Do I need to do IWDA+EIMI or just IWDA will suffice? part 2 #7405
LionGlobal All Seasons Fund? part 2 #7437 part 2 #7836 part 2 #7868
Why still buy STI ETF when it's been hovering in the same price range since 2008? part 2 #7897
Thai equity? part 2 #7995

Bond ETFs

MBH, A35 or SSB? part 2 #5105 part 2 #6213 part 2 #7454
Is there a need for multiple bond ETFs? part 2 #5304
What should I be looking for when picking a bond ETF? part 2 #5532
What bonds to buy if you will retire in the UK? part 2 #5653
What bonds to buy if you don't know which country you will retire in? part 2 #5653
Should I store part of my emergency fund in a bond fund? part 2 #5854
Do bond funds really move with interest rates, or in a sawtooth pattern? part 2 #5858
Why is MBH now being recommended over A35 for bond fund? part 2 #5877 part 2 #5350 part 2 #6572
Should I sell A35 to buy into MBH, or just keep it and buy MBH moving forwards? part 2 #5906 part 2 #5998 part 2 #6256 part 2 #6613 part 2 #7452
What do we do if bond yields turn negative? part 2 #5977
What if I am planning to retire in a country with less-developed capital markets? part 2 #6125
Is there a bond ETF (on IBKR) that you'd recommend if we want to hit the 100k mark asap? part 2 #6613
Why invest in MBH instead of a global investment grade bond ETF? part 2 #6869
Views on Stashaway's SGD income portfolio that contains bonds, STI and REITS? part 2 #6876
Is it normal for bond ETF prices to increase steadily over months? part 2 #7814
What's a good choice for a global bond ETF? part 2 #7948

Other investments

Astrea V? part 2 #5285
Participate in Employer Stock Purchase Plan? part 2 #5285
Recommendations for Gold ETF? part 2 #5673
Equivalents in Australia? part 2 #6086
Should I buy more 'ethical' ETFs? part 2 #6867

Brokers/RSPs

Which broker should I use for IWDA/EIMI? part 2 #5047 part 2 #5699
How do I keep my asset allocation between ES3/MBH with POSB IS, as the price fluctuates? part 2 #5047
Leave all the banks on IBKR's Insured Bank Deposit Sweep checked? part 2 #5060
StashAway? part 2 #5105
Is there any better way to get USD to SCB settlement account, other than SCB's rate? part 2 #5144
MoneyOwl and their fees? part 2 #5285 part 2 #5350 part 2 #5431 part 2 #5732 part 2 #6406
What happens if IBKR or SCB goes bust? or, do I need to spread my holdings across brokers? part 2 #5431 part 2 #5699 part 2 #5772 part 2 #5877 part 2 #6098
OCBC's RoboInvest? part 2 #5462
Where's the catch on FSM fees? part 2 #5532
Should I move all my holdings from SCB to IBKR at some point? part 2 #5625 part 2 #5877 part 2 #6613
DBSV cash upfront vs SCB? part 2 #5625
Should I use Phillips/POEMS? part 2 #5653 part 2 #6985
What is SCB's forex spread, or how does it compare to IBKR? part 2 #5653 part 2 #6611
SCB's Customer Account Review? part 2 #5805
Why not Saxo? part 2 #5812 part 2 #7049 part 2 #7897 part 2 #7995
Should I use Saxo or some other broker with a promo for a short while before switching? part 2 #5818
If I'm buying IWDA 4 times a year, still buy through IBKR? part 2 #5866
Can SCB Priority's AUM of 200k be met purely through equity holdings? part 2 #6153
Can I use a standing instruction with my bank to deposit a fixed amount of cash into IBKR every month? part 2 #6613
Is there any better choice than POSB IS? part 2 #6613
Do we need to know the exact, latest market price before placing orders? What price should we bid at? part 2 #7067
Why did I get prompted that more cash is required when I tried to use the mobile IBKR currency converter? part 2 #7135
What's this IBKR Lite thing, can I use it? part 2 #7264
How do I switch from POSB-IS to SCB? part 2 #7385
What happens if the fund manager goes bust? part 2 #7385
What if I'm doing a lump sum into IWDA and hold? part 2 #7473
Is there any difference between the new IBKR mobile app's "Convert Currency" and using the desktop app? part 2 #7848
How does the USD 1000/month rule of thumb come about, does it assume you batch up otherwise? part 2 #7995

Insurance

Retirement (?)

Does the 4% withdrawal rate work for a FIRE retirement in 30s or 40s? part 2 #5977 What about 3%? part 2 #5987

Misc

What are the foreign exchange market trading hours? part 2 #5351

News and Events

Why did both stock and bond markets go up when US employment numbers come in weak in June 2019? part 2 #5492
ShinyThings now owns joshuagiersch dot com since June 2019 so that it can't sell pirated copies of the book part 2 #5431
Is the new 2019 edition for real? part 2 #5192
Is the new 2019 edition worth it if you already have the first edition? / What are the updates? part 2 #5066 part 2 #6949
Is the latest edition of the book the black or green colour paperback? part 2 #6153
Inverted yield curves in August 2019 part 2 #6167
Things You Don't Need To Freak Out About: Repo Rates part 2 #6966