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Author Topic: What did you do with your TFSA?  (Read 21757 times)

Orca

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Re: What did you do with your TFSA?
« Reply #15 on: May 03, 2015, 12:13:53 pm »
Quote from: 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.

Good choice. I see the FINI is doing rather well. Up there with the INDI and doing 25% PA ave.
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I started here with nothing and still have most of it left.

Moonraker

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Re: What did you do with your TFSA?
« Reply #16 on: May 03, 2015, 12:37:38 pm »
Quote from: Orca on May 03, 2015, 12:13:53 pm
Quote from: 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.

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.

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Mr_Dividend

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Re: What did you do with your TFSA?
« Reply #17 on: May 03, 2015, 03:04:30 pm »
Quote from: Orca on May 03, 2015, 12:13:53 pm
Quote from: 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.

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  ;)
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Patrick

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Re: What did you do with your TFSA?
« Reply #18 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.
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tmsf12

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Re: What did you do with your TFSA?
« Reply #19 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?
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Mr_Dividend

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Re: What did you do with your TFSA?
« Reply #20 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....   ;)

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Patrick

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Re: What did you do with your TFSA?
« Reply #21 on: July 06, 2015, 11:06:26 am »
Quote from: 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....   ;)

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.
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Mr_Dividend

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Re: What did you do with your TFSA?
« Reply #22 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.
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