I change SGD to USD at 1.29 plus and the trajectory of USD is going down against SGD, most of my US shares are in the red, I am thinking of switching my cash back to SGD and increase SG investment and reduce US stocks overtime. As now it is war time, I am just thinking it makes sense to buy now for US market but I do find checking stocks in the evening and the volatility nature of US market does stresses me. I think the cutting loss from two stocks earlier few weeks did cause abit of phobia in me.

You’re asking exactly the *right* questions here. Given your situation, **it’s completely reasonable to slowly shift back toward SGD and Singapore assets and de‑emphasise US trading**, especially since: - Your **future spending is likely in SGD** (living in Singapore), - **USD has been weakening vs SGD** from your entry level (~1.29+), - **US night trading + volatility is stressing you out**, and - Recent **cut-loss experiences have left some emotional scars**. You don’t have to “force yourself” to keep playing a game (US, high‑vol, late‑night stocks) that doesn’t suit your lifestyle and psychology. 😊 --- ## 1. Separate the 3 issues: currency, market, and psychology ### (A) Currency: SGD vs USD Key question: **What currency will you ultimately *spend* in over the next 5–10+ years?** - If most of your life/retirement spending is **in SGD**, then: - Holding a *large* chunk of your wealth in USD is **real FX risk**. - Feeling uneasy when USD trends down vs SGD is rational, not “overthinking”. - You converted at **~1.29+**. Now USD is lower vs SGD: - That difference is a **sunk cost** — you can’t undo the past rate. - But you *can* choose a **gradual, sensible path** from here, instead of “all‑in / all‑out” moves. **Practical FX approach (example framework):** - Decide a **target mix** of currency exposure, e.g. - “In the long run, I want **70% of my net worth in SGD, 30% in USD**.” - Today maybe you’re closer to the opposite. So you: - Over the next **6–12 months**, **each month convert a fixed amount of USD back to SGD** (say 1/6 or 1/12 of the *excess* USD), regardless of the short‑term USD/SGD move. - This is like **dollar‑cost averaging in reverse** for FX — you avoid trying to perfectly time the FX bottom. That way you **reduce FX risk gradually**, without panicking at one price and without being frozen by “I converted at 1.29”. --- ### (B) Market: US vs Singapore exposure Right now your pattern (from previous chats) is: - Heavy focus on **US tech / AI**, including high‑beta names and even **leveraged products**. - That’s **extra volatile**, and combined with night trading, it amplifies stress. Given that, your idea to **increase SG investments and reduce US stocks over time** makes *a lot* of sense. A reasonable **rebalancing strategy** could look like: 1. **Freeze new US stock purchases** (for now) - This alone stops the “war‑time FOMO” from pulling you deeper into a market that already stresses you. 2. **Prioritise which US holdings to trim first** Rank them in this order: 1. **Leveraged / speculative / story names** – e.g., 2x single‑stock ETFs, options, or very high‑beta names you don’t fully understand or sleep well with. These go first. 2. **Non‑core individual stocks** – Companies you’re not confident to hold for 5 years if the price halves. 3. **Core quality names / broad ETFs** – Strong businesses or index funds (e.g., big‑cap tech / S&P‑type ETFs). These, if you keep any US exposure, can be your “core”. Sell in **chunks over time** (e.g., every month trim 5–10% of your US allocation), and re‑invest into SGD assets. That way you’re not forced to sell everything at one bad moment. 3. **Where to put new money in SG?** Without naming specific tickers, typical SG building blocks could include: - **SG banks / blue chips** (more stable, benefit when rates stay decent). - **REITs / dividend stocks** (income focus, more predictable cashflow). - **STI ETF / SG index ETF** (broad exposure, no stock‑picking stress). These trade in **your daytime**, with generally **lower volatility** than US tech. That’s already a big mental relief. --- ### (C) Psychology: stress, war, and the “phobia” after cutting loss You mentioned: - **“War time so it makes sense to buy US now.”** - **Cutting losses on two stocks** a few weeks back caused a kind of **phobia**. - The **evening monitoring** and **US volatility** are stressful. A few important points here: 1. **War ≠ automatic “must buy US now”** - Yes, some investors buy US assets as a safe haven in crises. - But markets can *also* be very choppy, with sudden gaps and headline risk. - If buying into this environment **increases your anxiety**, it may not be right *for you*, even if it might be “right” for someone else. 2. **Cutting loss is not a failure; it’s risk control** - Many people feel traumatised by a cut loss because they compare it to “if I had just held, maybe it’d come back”. - But the **purpose of cutting loss** is to stop a small wound from becoming a big one. - The mental “scar” you feel is common — your brain hates crystallising a loss (loss aversion). - What helps is turning it into a **rule‑based process**, not an emotional reaction: - e.g., “For volatile US names, I will risk at most **X% of my capital per position** and set a **max 15–20% loss** limit. If hit, I exit, no debate.” 3. **Time zone and lifestyle matter more than we admit** - If checking stocks at **11pm–1am** makes you anxious and ruins sleep, the *expected return* of those investments must be huge just to compensate for the stress — usually it’s not worth it. - Your **portfolio should fit your life**, not the other way around. --- ## 2. A possible step‑by‑step plan (adapt to your comfort) Here’s one way to structure the next 6–12 months: **Step 1 – Define your target mix** - Choose a **target currency mix**, e.g. *“Over time I want ~60–70% SGD, 30–40% USD.”* - Choose a **target market mix**, e.g. *“SG will be my main core, US will be a smaller satellite / growth bucket.”* **Step 2 – FX and rebalancing schedule** - Over the next **6–12 months**, set a **fixed schedule**: - Every month, convert **X% of your excess USD** back to SGD (regardless of the spot rate). - On the same schedule, **trim some US holdings** and **add to SG investments**. **Step 3 – Clean up the US side** In this order: 1. **Get rid of leverage / complex stuff** (if any still held): - Leveraged single‑stock ETFs, options trades, very speculative AI bets. 2. **Reduce number of individual US stocks**: - Keep only a few high‑conviction, high‑quality names you truly understand and can hold through volatility. 3. Consider using **broad US ETFs** instead of stock picking if you still want some US exposure but less stress. **Step 4 – Build a calm SG “core”** - Focus on: - Dividend payers, blue chips, REITs, or SG index ETFs. - Make the goal: **stable income and capital preservation in SGD**, not “10x”. - This creates a base that **feels safe**, which helps you psychologically handle whatever US exposure you still keep. **Step 5 – Protect your mental space** - Commit to **check your portfolio at fixed times only** (e.g., once a day, or even a few times a week) instead of constantly. - For US markets, you might: - Place **limit orders** during the day and then **not watch live at night**. - Or size the US bucket small enough that you’re mentally okay even if it drops 30–40%. --- ## 3. How to think about Nvidia / US “opportunities” from here Given everything you shared: - Even if Nvidia or US tech is objectively attractive long term, - If **US market hours + volatility are hurting your sleep and confidence**, then: > It’s better to have a **smaller US allocation that you can comfortably hold**, than a big “perfect” position that makes you miserable. So if you want *some* US growth exposure: - Keep it **small and simple**: - A limited position in Nvidia or a US index/AI ETF. - Sized so that even a **40% drawdown** is painful but **not life‑changing**. - Focus your **main energy and capital** on **SGD assets you can monitor in your daytime**. --- ## 4. Where we go from here To tailor this more concretely for you, it would help to know a bit more about your overall picture: - Roughly **what percentage of your total net worth is in USD vs SGD** now? - Over what **time horizon** are you investing this money (e.g., 3–5 years, 10+ years, retirement)? - When you think about your US positions, which feeling is stronger: **(a)** “I still believe in them long term but hate the volatility,” or **(b)** “I actually don’t want to think about US stocks much anymore”? If you like, we can then sketch a **concrete 12‑month rebalancing roadmap** with example percentages and steps, so it feels less like “phobia” and more like a clear plan.