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General Category => Shares => Topic started by: Mr_Dividend on April 30, 2015, 10:23:31 am

Title: What did you do with your TFSA?
Post by: Mr_Dividend on April 30, 2015, 10:23:31 am
Grindrod Div R5000
Stx INDI R10 000
STX FINI R5000
STX Divi R5000 (bought for a small exp to resources)
DBXUS R2500
DBXEU R2400

Will be very interested to compare this to my main account - might convince me to switch to ETF's for everything.
Title: Re: What did you do with your TFSA?
Post by: Orca on April 30, 2015, 11:23:43 am
Good choices. Not too sure about timing though. The INDI is set for a correction. UK polls in 2 weeks might not be good for EU.
Title: Re: What did you do with your TFSA?
Post by: jaDEB on April 30, 2015, 11:46:38 am
TFSA is ?
Title: Re: What did you do with your TFSA?
Post by: Mr_Dividend on April 30, 2015, 12:54:09 pm
TFSA - Tax free saving account

Orca - I am useless at timing - just want to "spend" it straight away.
Title: Re: What did you do with your TFSA?
Post by: Hamster on April 30, 2015, 11:00:54 pm
I went similar:

STXIND R10k
STXFIN R5k
DIVTRX R5k

Which leaves me with another R10k to play with. Might go full R10k into DBXWD, but on the other hand I can push it into DIVTRX as well and go DBXWD and PTXTEN next year.....decisions decisions.

And yes, it seems like I suffer from poor timing as well.
Title: Re: What did you do with your TFSA?
Post by: Junz on May 01, 2015, 03:27:36 pm
How did you invest in these shares /

Did you go via satrix  or a different company ?

Title: Re: What did you do with your TFSA?
Post by: Orca on May 01, 2015, 05:35:10 pm
TFSA - Tax free saving account

Orca - I am useless at timing - just want to "spend" it straight away.

A good idea is to buy below the middle Bollinger Band. Then you might also miss the boat and the price today at the top band might be the same price at the middle band next week.
Title: Re: What did you do with your TFSA?
Post by: Mr_Dividend on May 01, 2015, 08:41:25 pm
How did you invest in these shares /

Did you go via satrix  or a different company ?

easyequities.co.za - you get a TFSA account as well as a normal trading account - no monthly fees, from what I have seen and compared, best deal around. IMO
Title: Re: What did you do with your TFSA?
Post by: Mr_Dividend on May 01, 2015, 08:47:56 pm
I went similar:

STXIND R10k
STXFIN R5k
DIVTRX R5k

Which leaves me with another R10k to play with. Might go full R10k into DBXWD, but on the other hand I can push it into DIVTRX as well and go DBXWD and PTXTEN next year.....decisions decisions.

And yes, it seems like I suffer from poor timing as well.

My mantra is "time in the market, not timing the market" - cannot remember who came up with it, but it saves me the hassle/anguish of trying to time.

I really am a crap investor

  :D
Title: Re: What did you do with your TFSA?
Post by: gcr on May 01, 2015, 09:49:56 pm
Good choices. Not too sure about timing though. The INDI is set for a correction. UK polls in 2 weeks might not be good for EU.
If you are referring to the STXINDI why would it have a correction in itself, the counters that it tracks would all need to drop to have a substantial effect on its own price. Maybe explain your statement = Thanks
Title: Re: What did you do with your TFSA?
Post by: Hamster on May 01, 2015, 11:20:47 pm
How did you invest in these shares /

Did you go via satrix  or a different company ?

Easy Equities as well. Simplest and cheapest eay to do it (and no paperwork) ;)
Title: Re: What did you do with your TFSA?
Post by: Patrick on May 02, 2015, 09:22:51 am
1 is a yes, and on 2 it appears that you could.
Title: Re: What did you do with your TFSA?
Post by: Orca on May 02, 2015, 10:57:40 am
Good choices. Not too sure about timing though. The INDI is set for a correction. UK polls in 2 weeks might not be good for EU.
If you are referring to the STXINDI why would it have a correction in itself, the counters that it tracks would all need to drop to have a substantial effect on its own price. Maybe explain your statement = Thanks

The INDI sector is overbought in the short term so the sector needs to correct. Sectors often become the flavour of the month or year and will do well as did the property sector.  Sometimes badly as the RESI sector.
Title: Re: What did you do with your TFSA?
Post by: residentsa on May 03, 2015, 07:14:22 am
Deciding to start with 2.5k in STXFIN from this month and to alternate with DBXUS and STXSWX so that in next 12 months to come, I would have 10K each in these 3. Review after 12 months.
Title: Re: What did you do with your TFSA?
Post by: Orca on May 03, 2015, 12:11:41 pm
3. Are you able to short ETF's?

I'm sure you could as you can do futures on JSE sector indexes like the J21.
Title: Re: What did you do with your TFSA?
Post by: Orca on May 03, 2015, 12:13:53 pm
Deciding to start with 2.5k in STXFIN from this month and to alternate with DBXUS and STXSWX so that in next 12 months to come, I would have 10K each in these 3. Review after 12 months.

Good choice. I see the FINI is doing rather well. Up there with the INDI and doing 25% PA ave.
Title: Re: What did you do with your TFSA?
Post by: Moonraker on May 03, 2015, 12:37:38 pm
Deciding to start with 2.5k in STXFIN from this month and to alternate with DBXUS and STXSWX so that in next 12 months to come, I would have 10K each in these 3. Review after 12 months.

Good choice. I see the FINI is doing rather well. Up there with the INDI and doing 25% PA ave.

Nah, has been rising exponentially from relatively cheap by ± 300% since low point during the financial crisis. Nothing to be gained now unless profits rise to warrant the PE.

Title: Re: What did you do with your TFSA?
Post by: Mr_Dividend on May 03, 2015, 03:04:30 pm
Deciding to start with 2.5k in STXFIN from this month and to alternate with DBXUS and STXSWX so that in next 12 months to come, I would have 10K each in these 3. Review after 12 months.

Good choice. I see the FINI is doing rather well. Up there with the INDI and doing 25% PA ave.

For anyone looking.

eRAFI Fin 15 also looks interesting - seems to have a lower costs and although similar, shares make up is slightly different.

http://etfcib.absa.co.za/Fund%20Documents/eRAFI%20Financial%2015%20-%2031%20Mar%202015.pdf

Has out performed the STX FINI over most periods - generally only slightly, but over 10 years you get 196% for STX FINI and 231% for the RAFFIN. So next year will buy the RAFFIN instead. Prefer the larger holding of FNB in the STXFini but like that property plays a small part in the RAFFIN. If in doubt, take both  ;)
Title: Re: What did you do with your TFSA?
Post by: Patrick on May 03, 2015, 06:42:11 pm
The eRafi ETFs have some of the lowest costs out. I've recently bought a chunk of eRafi IND as a way to dilute the STXIND's very high Naspers holding. The RAFIND does have 25% MTN, higher than I'd like in that counteer, but it balances out with my STXIND.

According to studies taken, RAFI type funds generally out perform regularly weighted funds by 2.5% over time.
Title: Re: What did you do with your TFSA?
Post by: tmsf12 on May 27, 2015, 10:11:31 am
I just signed up with EE and I was all set on: BBET40 and DBXWD.  But now I can't decide between BBET40 and DIVTRX... and RAFFIN  :'( 

What criteria can I look at to help me decide?
Title: Re: What did you do with your TFSA?
Post by: Mr_Dividend on July 06, 2015, 10:39:29 am
Anybody else kicking themselves for not dribbling in the money instead of just whacking the R30K in? Down R1800 - instead of being able to buy more for less.


Ah well, there's always next year....   ;)

Title: Re: What did you do with your TFSA?
Post by: Patrick on July 06, 2015, 11:06:26 am
Anybody else kicking themselves for not dribbling in the money instead of just whacking the R30K in? Down R1800 - instead of being able to buy more for less.


Ah well, there's always next year....   ;)

Yes, and the money I got from my house sale in April which all got put onto the market straight away...

I'm not too upset. In general the market goes up more than down, so by the law of averages, putting it all in straight away is usually the best option.
Title: Re: What did you do with your TFSA?
Post by: Mr_Dividend on July 06, 2015, 11:57:53 am
Yup, I am with you - with shares your best bet is more often than not, get in early and go long. That said, when markets are pretty choppy, there is a fair argument for trickling the money in over a period of time.