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  1. #26
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    Quote Originally Posted by raycarey View Post
    but be aware of the fees....they really add up over 10-20 years
    You cannot beat the market and neither can fund managers so why pay their fees.

    Stocks and shares are a long term investment like property. Just pick a few names you have heard of from whatever index you can buy from. Chuck your money in and leave it. Over 10-20 years some will be winners and some will be losers and on average you will beat the bank interest rate.

  2. #27
    Thailand Expat raycarey's Avatar
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    Quote Originally Posted by Looper View Post
    You cannot beat the market and neither can fund managers so why pay their fees.
    not saying you're wrong, but vanguard's ETFs have very low fees and you get exposure to the broader market. for example their S&P tracker (VOO) only charges .04%.

  3. #28
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    Quote Originally Posted by Looper View Post
    You cannot beat the market and neither can fund managers so why pay their fees.

    Stocks and shares are a long term investment like property. Just pick a few names you have heard of from whatever index you can buy from. Chuck your money in and leave it. Over 10-20 years some will be winners and some will be losers and on average you will beat the bank interest rate.
    Pick a fundamentally sound stock with a record of decent divis, lots of them even in Thailand, and you're already way ahead of your bank's 2% which you won't be getting anyway after they've finished shaving.

    Don't pay an agent/fund for what you could do yourself with a bit of research and common sense.

    Be in no hurry for an adrenalin flow, SET tends to overshoot in both directions, imho has risen too much too fast, and is volatile at the best of times.

    Do your own dd, don't trust your broker, part of their job is to get you to trust them.

  4. #29
    Thailand Expat AntRobertson's Avatar
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    I’ve got one fund-thingy and according to the last statement it has returned me a massive 1.5%

    The only good thing about it is that it’s contribution matched and so shit that I keep forgetting about it so haven’t taken the cash and blown it.

    Yet.

  5. #30
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    Quote Originally Posted by raycarey View Post
    not saying you're wrong, but vanguard's ETFs have very low fees and you get exposure to the broader market. for example their S&P tracker (VOO) only charges .04%.
    That isn't a managed fund, its just a tracker. Vanguard has some managed funds, but they will have more typical looking fees like half a percent or something. The really low fee ones are just tracking what they index.


    Quote Originally Posted by jabir View Post
    Pick a fundamentally sound stock with a record of decent divis, lots of them even in Thailand, and you're already way ahead of your bank's 2% which you won't be getting anyway after they've finished shaving.
    I think its a mistake to view dividends as similar to interest. I like to think of dividends more as a hedge against losses than as a way to make a living or as something to rely upon long term.

    Take a look at GE. How many dividend-reliant investors and retirees just got shit on so hard by the halfing of their dividend last week? Combine that with a plummeting share value and its a total disaster. That investment was safe for decades and decades...but nothing lasts forever.

    Dividend investing is an okay strategy if you diversify a ton. But IMHO its better to think of dividends as a bonus/hedge against capital losses, instead of the way most people seem to view them as reliable interest regardless of share value. Ignoring capital loss and share price is a big mistake, it likely means a dividend that is at risk. Ignore that and there can be pretty serious consequences.

  6. #31
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    Quote Originally Posted by redhaze View Post
    I think its a mistake to view dividends as similar to interest. I like to think of dividends more as a hedge against losses than as a way to make a living or as something to rely upon long term.
    Two years old but solid article (imo) regarding dividends, etc.

    "Unfortunately, many stocks with dividend yields greater than 4.5% are signaling that something could be structurally wrong with their businesses or that the dividend will need to be cut to help the company survive. In these situations, your principal often faces the greatest risk of long-term erosion. You must always understand what is enabling the company to offer such a large payout. In our opinion, investors are usually better off pursuing lower risk, sub-4.5% dividend yield stocks that have better prospects of maintaining and growing earnings and investors’ principal over time."

    https://www.simplysafedividends.com/living-off-dividends-retirement/

  7. #32
    a cookin' an' a bookin'
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    Still got 2 to 3 slots open for ye Soros'eses to recommend.

    Low risk, bit of fun invested every month for 12 months in Thailand, what would you go for?


    Aberdeen MIP already selected.

  8. #33
    Thailand Expat AntRobertson's Avatar
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    Buy a bar, sure-fire winner! Trust me!


  9. #34
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    Quote Originally Posted by Luigi View Post
    Low risk, bit of fun invested every month for 12 months in Thailand, what would you go for?
    Does it have to be in Thailand? Why not invest in an all world index or something through Vanguard? I realize its more boring, but its probably a much better investment.

  10. #35
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    ^^ Rugby bar, kitted out in All-Blacks memorabilia?


    ^ Another aspect is ease.

    The more I can do it without having to venture outside, the better.


    Easy to do while based here?

  11. #36
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    Spaghetti Pies are the future

  12. #37
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    Quote Originally Posted by redhaze View Post
    I think its a mistake to view dividends as similar to interest. I like to think of dividends more as a hedge against losses than as a way to make a living or as something to rely upon long term.
    Don't give dividends (historical or projected) any weight in your decision.

    They just form part of the return value of your initial stake.

    Whether this return is in dividends or capital gains is neither here nor there.

    The fundamental question is simply whether this is a good business which will make money and increase in value.

  13. #38
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    ^^ Will have em for sale in the rugby bar.

  14. #39
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    I think there has to be a way to invest in international funds while based in Thailand. I've never looked into it, but surely there has to be a way.

    A little bit of research could open up a lot of options...

  15. #40
    Connected HuangLao's Avatar
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    Quote Originally Posted by tomcat View Post
    Step one for investing anywhere: educate yourself...this doesn't have to be a monumental task, but more of a hobby. Professional financial advice abounds on the internet from reputable sources: pay attention, take notes, formulate a plan, execute...or have another glass of wine and wonder what the peasants are doing...
    Yep.
    Akin to most anything worthy in life.
    Gather subjective and alternative advice and knowledge, as much of said info is not designed to benefit the individual, but instead the corrupt and illusion-ridden systems.
    Make it work for you. Can be done with a reasonable and sound scheme.

  16. #41
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    Quote Originally Posted by Looper View Post
    Don't give dividends (historical or projected) any weight in your decision.
    I think this is a good way to think about it. Although I would change the word "any" to "very little". Sometimes a super high dividend can actually be a negative thing, as Hick noted.

    Quote Originally Posted by Looper View Post
    Whether this return is in dividends or capital gains is neither here nor there.
    Capital gains are actually better since they are taxed at a much lower rate. Or at least they are in many places....

  17. #42
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    Quote Originally Posted by HuangLao View Post
    Yep.
    Akin to most anything worthy in life.
    Gather subjective and alternative advice and knowledge, as much of said info is not designed to benefit the individual, but instead the corrupt and illusion-ridden systems.
    Make it work for you. Can be done with a reasonable and sound scheme.
    You invest in stocks? Jesus Christ. Could your "Rural foreigner gone native living off the land" schtick be any more ridiculous? I'm struggling to think of how...

  18. #43
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    Redhaze, do you have any knowledge about investing in shipping containers?



    http://shipping.investcontainers.com...CAAEgKjTvD_BwE
    Last edited by Jack meoff; 17-11-2017 at 06:30 PM.

  19. #44
    Thailand Expat Pragmatic's Avatar
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    Quote Originally Posted by Luigi View Post
    What to get started in and how?
    Teachers Cooperatives currently pay 4.5%, less tax, fixed term 12 months.

  20. #45
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    Quote Originally Posted by tomcat View Post
    have another glass of wine and wonder what the peasants are doing...
    We're mashing up your grapes,....with our sweat, spit & feet.


    Dividends and the Oracle of Omaha...I find it difficult to not follow his moves, well...on a microscale:


    Warren Buffett's investment style is a culmination of value, growth, and quality.

    He looks for:

    1. Great business (quality)
    2. Trading at fair or better prices (value)
    3. That will compound his money far into the future (growth)


    This approach leads Buffet to invest primarily in dividend stocks. Dividend stocks make up around 92% of Buffett's portfolio. His top four holdings have an average position weighted dividend yield of 3.2% and make up 63% of his portfolio. High quality dividend growth stocks are the cornerstone of Buffett's portfolio.

  21. #46
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    I say go the FOREX route, what possibly could go wrong ? the majority of Chavs in Thailand are into it, and they make bank according to them

    ask our resident Plumber, Baldrick something, he knows it all about FOREX

    Bitcoin all the way !!!

  22. #47
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    Quote Originally Posted by Jack meoff View Post
    Redhaze, do you have any knowledge about investing in shipping containers?
    Invest In Shipping Containers | Invest Containers
    Begging your pardon, Jack Meoff (Man, that's just fun to say).

    If it looks too good to be true, well....

    1) What company is it?
    Are they legit?, authorized or listed anywhere here?
    https://en.wikipedia.org/wiki/List_o...ship_companies


    If they're actually listed, can you cross check them with the 'Trading Standards' in the UK gov or some similar department?



    Any notable past scams in this area?

    A single container bought from one of these companies costs around the stand price of £2500. However you must bear in mind – why would a huge shipping company lease a single container from you, and leave you with such a great profit? Surely it would be better for them to leverage their size to get better pricing on bulk quantities of container? Most of these fleets will own thousands of containers already, so why would they come to you? The administration on their side -having to buy 2 containers from this person, and another couple from that person would lead to huge overheads for such businesses. No – instead they would just source them by themselves.
    How To Avoid Shipping Container Investment Scams | Container Home Review





    I think you might be better off sticking with an established ticker:

    https://www.marineinsight.com/know-m...-in-the-world/
    https://www.thestreet.com/topic/2582...ty-marine.html


    There's risk and then there's risk.

  23. #48
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    I think Buffet has, at long last,become a bit of a relic.

    An example: He just (relatively) recently invested in his first two technology stocks: Apple and IBM. I'm not saying those are bad investments, but he has been way late to the game. He missed the boat on a ton of major players that aren't going anywhere anytime soon. And a whole bunch of his portfolio is dedicated to stocks that are currently paying shitty to ok dividends and haven't really grown for decades (eg Coca-Cola which just recently surpassed their 1998 peak), or just haven't been strong businesses that look likely to thrive long term at all (eg Wells Fargo).

    To me, Buffet is beginning to look like Michael Jordan playing for the Washington Wizards. Jordan was the greatest of all time, and probably always will be, but eventually even the greats lose their touch. They either age out of the system or the game just passes them by

    My 2 cents.

  24. #49
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    Thanks for that Red. I value your dollars and sense in these matters.

  25. #50
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    Quote Originally Posted by Jack meoff View Post
    Redhaze, do you have any knowledge about investing in shipping containers?
    I do not, sorry

    Quote Originally Posted by hick View Post
    Thanks for that Red. I value your dollars and sense in these matters.
    Thanks bud, same to you

    And truthfully you could do a million times worse than follow Buffet. Track records matter, the guy is a very smart dude and I love the fact that he basically doesn't even spend any of his money. That rules

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