Layer 6 of the Asset Allocation model: Diversified Index Funds The 6th layer of your Asset Allocation model is to invest in diversified index funds (read: these are NOT unit trusts) in the form of Exchange Traded Funds (ETFs). ETFs are all the rage today in the developed markets and there are almost 2,000 of… Continue reading A Cheap Way for Malaysians to Buy US Stocks
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EPF’s Negative Reserves
Back in February 2019 I wrote an article explaining how the EPF, the Malaysian retirement fund is able to pay out a dividend of 6% despite the poor performance of many asset classes in 2018. The answer is that EPF draws from its reserves that was built over many years, selling assets such as bonds… Continue reading EPF’s Negative Reserves
