Always raise suspicious why I drink real coconut in fruit stall nothing happen , and the sweetness always hit and miss, inconsistent.
But in packaged 100% coconut water ufc and all other brands , the sweetness is so consistent .
Worst case I get migraine when drink .
Looking into this fi company in sg have over 500 funds , there’s only 1 fund copy s&p 500.
The rest all either under perform without fee, or there is always cyclical / thematic that have good result in past 3-5 years suitable for presenting .
Use ur brain and think cyclical thematic can get same result for next 5 years after a push or no.
Ur chance of agent pushing u s&p500 fund is 1/500
Any other fund she/he push to u is ur correct path of end result in there.
Traditional Value investing is dead.
Go read what is traditional vs new age value growth investing or whatsoever without a title .
Since Charlie Munger’s influence took hold, Warren Buffett has shifted to a strategy that is effectively 80% growth and 20% value.
Even the pre-tech era value gurus, such as Joel Greenblatt and Seth Klarman, have transitioned into "index fund leeches."
The top 100 stocks in the S&P 500 now hold a 75% weightage, making it essentially a QQQ (Nasdaq) holding.
Consequently, the index benchmark for this era is tech.
Whether it is a value stock with no growth or a high-quality non-tech stock with 10–15% revenue growth, it is difficult to compete with "moatless" compounders growing revenue at 20%.
Competing against the Magnificent Seven, which combine massive moats with high compounding, is even harder.
Even Berkshire Hathaway’s insurance structure, which provides a float that effectively acts as 30% leverage, is failing to beat the index.
A retail investor without access to such a float must discount their maximum talent capacity by 30%.
My recommendation: Switch to an index-dominated portfolio and view your past efforts in value investing as a "sunk cost knowledge fee. Continue value investing on minority . It’s always cool to discuss none performing asset stock deeply researched .
1 should open a chart and see Berkshire’s draw down % on every crisis before attempting to say anything about index draw down . Yahoo finance is old and good recommendation . Or vividly recall portfolio isn’t flat or up during crisis , small cap probably drop more than index.
use initial price as the draw down % , not double down .
Anyone can double down or dca lower on index .