No. of Recommendations: 0
Thank you all for your thoughts. I am not sure about the 5% real return hurdle comments. I'll investigate further. I like the Vanguard funds as an idea and again will look into these. My challenge is compounded because I also run FX risk. My pensions are in £ for historical reasons but I need HK$, which is pegged FTB to the US$. Hence I am a follower of Fool.com and Fool.co.uk

As to timing the market, surely this is the retail investor's biggest challenge - being disciplined and brave enough to buy a falling market not jumping in after event. I don't think you need to be a great trader, just a disciplined one. I follow 200 day EMAs, PEs and strong balance sheets. I am looking for value as well as income and too many stocks are trading too high in my view.

I have bought dividend payers so far and spread them across currencies. So I have REITs and utilities in Singapore paying 6% in a strong currency, RDSB, Tesco, Total and ADM amongst others. I refuse to buy high fee mutual funds.
Print the post  

Announcements

The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.
Advertisement