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Author Topic: TFSA Portfolio Allocation  (Read 33096 times)

PlatinumWealth.co.za

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Re: TFSA Portfolio Allocation
« Reply #15 on: December 19, 2016, 03:04:40 pm »
Quote from: MoneyChief on December 19, 2016, 02:13:26 pm
Quote from: Thor187 on December 19, 2016, 11:10:39 am
My TFSA consists of

50% DbxWD
30% CTOP50
10% PTXTEN
10% GLPROP

A decent mix. A bit heavy on the large caps. I personally like to add some small/mid cap as rocket fuel for my portfolio. Also, you have a 60% exposure to foreign currencies. Ok if you are thinking of leaving SA, a bit high if you are planning to stay.

It won't mean anything if you leave, it's still a JSE traded stock in rands. DbxWD is exposure to outside SAs borders which is a good thing concidering where this country is going.

I won't add any small caps in a TFSA, remember a TFSA/TFSI is not a short term or trading portfolio its a tax free long term read decades portfolio you want a proven track record in there. Despite the dip coming in 2017 time in the market over the decades will make a bigger difference.

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MoneyChief

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Re: TFSA Portfolio Allocation
« Reply #16 on: December 20, 2016, 10:52:24 am »
Quote from: Thor187 on December 19, 2016, 03:04:40 pm
I won't add any small caps in a TFSA, remember a TFSA/TFSI is not a short term or trading portfolio its a tax free long term read decades portfolio you want a proven track record in there. Despite the dip coming in 2017 time in the market over the decades will make a bigger difference.

Small/mid caps do better over the long term than large caps, that's why I recommended them.

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conradl

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Re: TFSA Portfolio Allocation
« Reply #17 on: December 21, 2016, 07:32:23 am »
Quote from: MoneyChief on December 20, 2016, 10:52:24 am

Small/mid caps do better over the long term than large caps, that's why I recommended them.

If you choose the right ones MC  :P I've not been so lucky with a few. African Cellular Towers, Esor, Gooderson Leisure. On the other hand i've been very lucky with others. The successful small caps become the mid-caps and mid-caps become large caps over time...

This is off-topic but I've bought small-cap ETFs in the US after doing a little bit of homework. The international universe is like a massive sweet shop, there is so much to choose from. Except Small-cap in the US is classified as >$500m and <$500m is a micro-cap. I've been investigating a nice emerging market ETF and you will be surprised that in for example the Vanguard VWO ETF how many SA companies are included  (a small feather in our caps I rate)...

Our TFSA (taking advantage of the divi tax not being applied), I am already covered by being invested in Europe and the US:
- 67% PTXTEN
- 33% DivTrax
« Last Edit: December 21, 2016, 07:37:40 am by conradl »
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MoneyChief

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Re: TFSA Portfolio Allocation
« Reply #18 on: December 21, 2016, 01:03:09 pm »
Quote from: conradl on December 21, 2016, 07:32:23 am
If you choose the right ones MC  :P I've not been so lucky with a few. African Cellular Towers, Esor, Gooderson Leisure. On the other hand i've been very lucky with others. The successful small caps become the mid-caps and mid-caps become large caps over time...

I just buy the ASHMID midcap index instead of individual companies, excludes top 40 and is basically the next 60 largest companies. I also have this expensive Investec global small cap fund that I am planning to switch out for a cheap ETF equivalent soon.

Quote from: conradl on December 21, 2016, 07:32:23 am
This is off-topic but I've bought small-cap ETFs in the US after doing a little bit of homework. The international universe is like a massive sweet shop, there is so much to choose from. Except Small-cap in the US is classified as >$500m and <$500m is a micro-cap.

The midcap and smallcap indexes (for the US since 1971) perform equally well over the long term, just the large cap that lags.

Quote from: conradl on December 21, 2016, 07:32:23 am
I've been investigating a nice emerging market ETF and you will be surprised that in for example the Vanguard VWO ETF how many SA companies are included  (a small feather in our caps I rate)...

Yep, SA is a very strong emerging economy, last time I checked we are the 30th largest economy in the world by GDP (PPP) out of 228.
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Hamster

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Re: TFSA Portfolio Allocation
« Reply #19 on: February 07, 2017, 09:31:35 am »
Once I get rid of the STXIND pain in the *ss I'll readjust to:

DBXWD (30%)
DIVTRX (45%)
PTXTEN (15%)
GLPROP (10%)

Maybe even a better idea to drop DBXWD completely and distribute those funds (maybe up GLPROP a tiny bit).
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gcr

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Re: TFSA Portfolio Allocation
« Reply #20 on: February 07, 2017, 10:08:08 am »
Hamster - can't you use your STXIND as a tax break or are you going to lose more than you are prepared to lose. Most segment counters are cyclic and maybe you need to look at the share prices of a couple of counters and track the cycles which could assist as to when you enter those counters.
Also there is so much noise out in the market - FNB will say that house prices have stagnated and even gone backwards. There was an article recently where it said to build a house costs more (square metre basis) than to buy a house of similar size - strangely that's been the situation for all of 30 years anyway - if you even out the peaks and troughs. I myself have just received notification that my homeowners policy (replacement of my current premises id razed to the ground) is increasing by 11%. Strangely enough this insurance cover has doubled since 2013 so I think everybody is putting in false information into the market.

I hold STXIND but then I have held them for a good number of years so am showing + 40% share price improvement - so maybe you should reconsider selling out - but that's just my opinion.
The market also works in cycles in 2007/2008 my portfolio took a hit of some R800,000 but within 18 months the value was some R 200,000 above its highest point at the time of the crash. Investing in the stock exchange is a long term investment so stick it out
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Hamster

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Re: TFSA Portfolio Allocation
« Reply #21 on: February 07, 2017, 10:25:54 am »
Quote from: gcr on February 07, 2017, 10:08:08 am
Hamster - can't you use your STXIND as a tax break or are you going to lose more than you are prepared to lose. Most segment counters are cyclic and maybe you need to look at the share prices of a couple of counters and track the cycles which could assist as to when you enter those counters.
Also there is so much noise out in the market - FNB will say that house prices have stagnated and even gone backwards. There was an article recently where it said to build a house costs more (square metre basis) than to buy a house of similar size - strangely that's been the situation for all of 30 years anyway - if you even out the peaks and troughs. I myself have just received notification that my homeowners policy (replacement of my current premises id razed to the ground) is increasing by 11%. Strangely enough this insurance cover has doubled since 2013 so I think everybody is putting in false information into the market.

I hold STXIND but then I have held them for a good number of years so am showing + 40% share price improvement - so maybe you should reconsider selling out - but that's just my opinion.
The market also works in cycles in 2007/2008 my portfolio took a hit of some R800,000 but within 18 months the value was some R 200,000 above its highest point at the time of the crash. Investing in the stock exchange is a long term investment so stick it out

My average buying price for STXIND is more or less 7000 in my TFSA so I'm reluctant to just get rid of it and "cut my losses" It recovered quite well for a couple of weeks and now struggling to stay in the 6800 range which is frustrating. What's more frustrating is that SONA, the Budget Speech and potentially replacing Gordhan with Dlamini-Zuma are all happening in the next month... who knows what the effect will be (hopefully STXIND shoots up and other ETFs shoot down so I can reallocate at a good price :p )

Also, I don't think it belongs in a TFSA but that's just my opinion.
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jonb

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Re: TFSA Portfolio Allocation
« Reply #22 on: March 03, 2017, 11:14:51 am »
HAS ANYONE HAD NFEMOM IN THEIR TFSA?

ANY REASON FOR ADDING / OR NOT CONSIDERING THIS?

 :TU:
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Hamster

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Re: TFSA Portfolio Allocation
« Reply #23 on: March 03, 2017, 11:58:37 am »
Quote from: jonb on March 03, 2017, 11:14:51 am
HAS ANYONE HAD NFEMOM IN THEIR TFSA?

ANY REASON FOR ADDING / OR NOT CONSIDERING THIS?

 :TU:

Not in my TFSA but in my regular ETF portfolio. If I was just starting out and didn't have local exposure through DIVTRX and STXIND already I would definitely have gone with NFEMOM.

The only reason not to own NFEMOM in your TFSA is if you are looking for dividends. It really isn't geared for it at all and tracks companies that potentially have no reason to pay dividends (like the previous quarter for example). But I like it, one of my favourites.
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czc

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Re: TFSA Portfolio Allocation
« Reply #24 on: March 03, 2017, 12:09:47 pm »
Quote from: jonb on March 03, 2017, 11:14:51 am
HAS ANYONE HAD NFEMOM IN THEIR TFSA?

ANY REASON FOR ADDING / OR NOT CONSIDERING THIS?

 :TU:

I just learned about NFEMOM.
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Hamster

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Re: TFSA Portfolio Allocation
« Reply #25 on: March 03, 2017, 12:18:22 pm »
Quote from: czc on March 03, 2017, 12:09:47 pm

I just learned about NFEMOM.

Here you go (if you wanted to know how it works since Sept 2016): http://shareforum.co.za/shares/divtrx-vs-nfemom/msg16789/#msg16789
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PlatinumWealth.co.za

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Re: TFSA Portfolio Allocation
« Reply #26 on: March 04, 2017, 02:41:31 pm »
NFEMOM come on! I am red again.
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BussoV6

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Re: TFSA Portfolio Allocation
« Reply #27 on: March 27, 2017, 10:39:50 am »
Was the annual TFSA input limit increased in the recent budget? Or is it still R30,000 per year?
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Hamster

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Re: TFSA Portfolio Allocation
« Reply #28 on: March 27, 2017, 11:01:03 am »
Quote from: BussoV6 on March 27, 2017, 10:39:50 am
Was the annual TFSA input limit increased in the recent budget? Or is it still R30,000 per year?
R33000 pa (R2750 pm)
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BussoV6

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Re: TFSA Portfolio Allocation
« Reply #29 on: March 29, 2017, 09:57:25 am »
Quote from: Hamster on March 27, 2017, 11:01:03 am
Quote from: BussoV6 on March 27, 2017, 10:39:50 am
Was the annual TFSA input limit increased in the recent budget? Or is it still R30,000 per year?
R33000 pa (R2750 pm)

Thanks Hamster. I'll transfer another R3000 across poste haste.
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