DuitnSen — the blog

Welcome — why a blog when there's a book

DuitnSen — Fri, 10 Jul 2026 08:00:00 GMT

Placeholder. This post explains the editorial split so the shell makes sense on day one. Rewrite it in your own voice before launch.

I already wrote the book — the core thesis, the allocation, the fee math, the satellites, PRS. It lives at duitnsen.com and I keep it evergreen on purpose: those pages get updated, not archived.

But some things I want to write age by design. A fee promo ends. A satellite thesis plays out (or doesn't). A monthly receipt is only honest if it stays stamped with its month. Putting that material in the book would rot it from the inside.

So the split is simple:

The book (duitnsen.com) — evergreen chapters. If it's still true in five years, it goes there.
The blog (here) — dated notes. Market commentary, satellite ETF deep-dives, portfolio receipts, platform and fee alerts. Every post wears its date like a price tag, and anything older than a year gets an automatic "this has probably changed" banner.

Same rules as everywhere else on DuitnSen: education, not advice. First-person, receipts included, written as hard on me as on you.

Start with the book if you're new. Come back here when you want to know what I'm actually doing this month.

Satellite deep-dive template — every feature in one post

DuitnSen — Wed, 01 Jul 2026 08:00:00 GMT

Placeholder. This is the working template for a satellite ETF deep-dive. Copy the file, rename it YYYY-MM-DD-your-slug.md, replace every figure, and delete this callout. Note the updated: date in the front matter — that's why "Updated 8 July 2026" shows above.

Every satellite writeup answers the same four questions: what is it, what does it cost, what's the worst case, and why do I hold it anyway. Placeholder prose follows — the structure is the point.

What it is

Two or three plain-English paragraphs. No jargon before it's earned. If you catch yourself writing a number you haven't checked, mark it with the verify marker (open square bracket + the word verify) — the build will refuse to publish until you resolve it.

The numbers

Metric	This fund	Core (VWRA)
TER	0.40% p.a.	0.22% p.a.
Domicile	Ireland (UCITS)	Ireland (UCITS)
Holdings	100	3,600+
5-yr max drawdown	−38%	−25%
My sizing	5% of portfolio	80% of portfolio

All placeholder figures. Real posts pull these from the factsheet listed in the sources below.

The receipt

Placeholder chart — monthly buys, core vs satellite. Replace with your real receipt.

The math I ran

Position sizing is always sized for the worst drawdown, not the best year:

// Worst-case sizing: how much can this position lose
// before it costs me more than one month of savings?
const portfolio = 100_000;          // RM, placeholder
const satelliteWeight = 0.05;
const worstDrawdown = 0.55;         // assume worse than history

const worstLoss = portfolio * satelliteWeight * worstDrawdown;
console.log(`Worst case: RM ${worstLoss.toFixed(0)}`); // RM 2750

If that number makes you flinch, the position is too big. Simple as that.

Exit rules, written before entry

Thesis broken (the reason I bought stops being true) → sell, full stop.
Position grows past 8% of portfolio → trim back to 5%.
Nothing else — price alone is not a reason.

Where this fits in the book

This is a satellite. The core thesis lives at duitnsen.com/coreinvestment and the sizing framework at duitnsen.com/allocation. If any link in a post earns me a referral fee, it is labelled as a referral link right where it appears — never dressed up as a neutral recommendation.

Contoh post Bahasa Melayu — ujian sokongan bahasa

DuitnSen — Sun, 28 Jun 2026 08:00:00 GMT

Placeholder. Post ini wujud untuk satu sebab: membuktikan sokongan lang: "bm" berfungsi. Gantikan dengan tulisan sebenar.

Kalau anda baca label di atas, ia sepatutnya berbunyi "Diterbitkan 28 Jun 2026" dan "min bacaan" — bukan versi Inggeris. Tag HTML <html lang="bm"> juga ditetapkan pada halaman ini, jadi enjin carian dan pembaca skrin tahu ini kandungan Bahasa Melayu.

Prinsipnya sama dalam mana-mana bahasa: melabur cara membosankan — kos rendah, jangka panjang, dipelbagaikan seluruh dunia. Bab-bab evergreen ada di duitnsen.com; blog ini untuk nota yang bertarikh.

Selebihnya ikut peraturan yang sama seperti post Inggeris — disclaimer pendidikan di hujung setiap post, dan mana-mana angka yang belum disahkan perlu ditanda dengan penanda perlu sumber dalam kurungan siku supaya build enggan menerbitkannya.