(∛1.35 - 1) x100%
er.. hehe - gimme a few minutes to digest maths equation (told U i'm a simpleton ).
If Excel i can digest easily lar..

square root of 3 coz it's the years.. ok.. right
1.35 = coz 100% +35% returns? er.. no idea - i usually fill in the $ to get the R
as in S = P *(1+R%)^n

Let me Excel-ize it and test - stay tuned bwhahaah (that's what U get for testing me when i'm not on caffeine)
...
...
...

Damn, where's my sexytary...

Ah done - you're spot on!


This post has been edited by wongmunkeong: Aug 9 2011, 01:45 PM

Dagnabit maths monsta, stop with those funny looking stuff ∛. I only know "square root"  <mk crawls off back to his Excel sheets>


This post has been edited by wongmunkeong: Aug 9 2011, 02:02 PM

Bro ProphetJul - stock market too red to play, thus "playing" mutual funds pulak?

Sure lose 5.5% up front first wor, U sure U want a ride in PM's equity funds ar

Ah so des neh.

er.. look at my EPF to PubMut (3% cost only, not 5.5% for EPF). Ok ar? Not all 15%pa lar but.. and the NAV was just pulled / updated (ie. yesterday's NAV).

It's tracked to per transaction and even dividend units reinvested are distributed properly to each transaction by weighting of units.



By the way, Phillip Capital allows U to use yr EPF a/c1 to do stocks on their platform leh - knowned as "self-managed fund", not fund house managed. That may be more interesting to an experienced direct investor.
Me - i dont have the bleeding lump sum the require, $30K per shot i heard.

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Added on August 9, 2011, 2:34 pmThat's the only maths formula i know inside out (can transform here/there with it)
Other than that.. i'm a one trick monkey

This post has been edited by wongmunkeong: Aug 9 2011, 02:34 PM

https://www.poems.com.my/

I'm sure they have the resources/reach to get to U

If they dont respond, let me know. I've got people... hehehe ok ok not mafia, investment agents that do Phillip Capital. I can get them to contact U. PM me if the above fails yar

This post has been edited by wongmunkeong: Aug 9 2011, 02:50 PM

Hm.. both equity + bond funds and both via EPF & Cash?
about 36.14% of my net worth (excluding dumb things like cars, boats, winter home )

Why ar?


BTW, I thought the more pertinent Q would be what's your Asset Allocation currently held?
ie.
Bonds & Fixed Income: XX%
Equities excluding Properties/REITs: YY%
Properties & REITs: ZZ%
Alternatives (Gold/Silver/Harem): AA%

My Equity Funds / Total Equities Held (exREITs & Properties = 73.05%
Bond Funds / Total Fixed Income Held = 28.9%
Erm.. the above doesnt help much IMHO.

I think the below would be of better info/use to U
The underlying vehicles of mutual funds are generally
1. Stocks (Equity funds)
2. Bonds (Bond funds)
3. Money Market - for storage before buying into them bonds or stocks by the Fund Manager.

--------------
Thus, if i may share with U a holistic view:
A. BONDS & FIXED INCOME ASSETS
Govt Bonds
Corporate Bonds
Bond Funds
EPF
FDs /CDs
MM

B. EQUITY ASSETS (exREITs & exProperties)
Stocks exREITs
Equity Funds

C. PROPERTIES & REITs
REITs stocks
REIT Funds (er.. this is kind of a new animal in M'sia)
Physical Properties

D. ALTERNATIVES
Gold
Silver
Platinum
Titanium
Copper
Paintings
Antiques
Collectibles like cards comics, coins, stamps, etc.
--------------

U can see where Mutual Funds sit? It's in A, B and C - depending on the type of fund. Balanced Fund = mix of A & B. Personally i think it's a waste of time UNLESS U just cant be bothered to DIY the Asset Allocation mix, ie. too rich or too busy.

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Added on August 9, 2011, 4:17 pmBro, by the name itself, Public AGGRESSIVE Growth Fund, U'd have known that it will move a lot (up & down), right?

If U do think the whole world's economy is going to the dogs, then switch to Bond or Money Market fund. It doesnt mean that U have to have an existing bond or MM fund first before switching (unless U've less than $1K value of PAGF i think).

Do U need to switch now? Yes! Yes! Yes! oo... waitaminit.. my crystal balls aint working properly.. sorry, wrong indicator

U've got a cohesive investment plan (ie. entry & exit methodology) or main tikam? If got, just follow-through, keep tracking and tweaking as needed. If main tikam, your gut feel is as good as any others - no working crystal balls invented yet

This post has been edited by wongmunkeong: Aug 9 2011, 04:25 PM

You're welcomed.

Diagram? Venn diagram to inter-relate types of mutual funds to these 3 (4 if alternatives) Asset Categories? Hhehe - things get muddier when U get into Asset sub-Categories - eg. Stocks can be broken down into Finance, Service, Infra, Plantation, etc. That's just stocks. Properties & REITs can be broken down into sub-Categories of Residential, Commercial, Industrial, Healthcare, Plantation (nope, no Red Lights type - this IS Malaysia ya know, not SG Geylang )

Bwhhaha - who told U i dont buy REITs?
I just bought about... erm.. quite abit during the spike downwards. BSDREIT & ARREIT. Still waiting for ALAQAR KPJ (hospital) & SUNREIT to come to my trigger points
My main CASH investments are REITs and Properties (and a bit for trading + foreign focused funds) because EPF is for local equity funds, thus it's as good as buying stocks in Bursa. Asset Allocation man


FYI - EPF approved equity funds for now can only have a max of 30% of it's holdings in foreign stocks/bonds. Thus, i said buying EPF approved funds is nearly as good as getting into Bursa.

Sigh.. unlike yesteryears where we can choose to do Foreign focused funds with EPF. Supposedly saving us from ourselves wor EPF said <end of b****ing>.

I find coffee helps - up to 7 a day last time Drink until hands shivered. Dont drink hands also shivers.
Ok ok - studies have found that black coffee (no sugar, no milk) is a good anti-oxidant. Up to max of 3 cups a day have been proven (google the research) to help reduce Alzheimers from occurring in women. I dunno why women though - maybe that's their test field.

Node-link? Like a brain mapping thing? or a simple computer IF, THEN, ELSE style branching?

Ok ok back to PM & investments.
REITs' tax is 10% at the source (withholding tax), thus U get the net only. Good for folks with tax up to 20%+
Dont just focus on the dividend payout - go to the REITs thread/topic, lots of postings there. If U can't find, then shoot your Q there. I think mods here will kick our butt if we keep talking about REITs here (PM thread/topic)

Probable, unless his "gain $100K" means net profit lar

If he really means net profit of $100K based on his numbers, still possible but highly improbable if no better entry plans than DCA and must have great exit plans - need damn good luck that there was a HUGE crash and for 9 years slowly going up, then spike up at the 10th year

This post has been edited by wongmunkeong: Aug 9 2011, 09:00 PM

Yup, you're right. PMO taking from PBank a/c for investment is free of bank charges (not Mutual Funds' Service Charges). BTW, U can also invest into PM or PB funds via PBank online - again, free of bank charges (not Mutual Funds' Service Charges).

"Yes" - even the fler at PBank counter selling U the mutual fund has an "agent number". Best results of course is to be your own UTC and best-est customer

Sales targets?
er.. was never chased by anyone (upline, up up line, left line, right line, etc.) till now wor, since.. er.. since.. 2001 or 2002 (under ex's a/c) and since 2007 under my own agent a/c.

er.. so far, never done cold calls before as a PM agent Maybe i'm lucky though - my upline and his upperlines never kacau me. Cold calls FROM relatives and friends got lar when they knew about what i was into in my spare time Mostly with things like "i want to make as much as possible, as little time as possible". I then pointed them to the uncle selling lottery tickets and 4D shops

Aiya - sponsor = upline lar. Just grab a UTC and ask them to "sponsor" lar. They get % of all yr sales or so i think. Like network marketing

Maybe you're right or... we may be in the eye-of-the-hurricane .

Anyways, good luck to all, especially those "main tikam" ones. I'm still plodding along every quarter heheh but direct stocks investments and trading have been "shaved" down to about 30% still held in nonREITs stocks.

Expensive? Compared to the stocks being held or compared ringgit for ringgit with other funds?

er.. i dont think that's the right method to value "expensive" or not a fund is
May be better to compare similar funds and/or similar performances over 3 to 5 years at least. Then can say expensive (over valued) or cheap (value)

This post has been edited by wongmunkeong: Aug 10 2011, 08:36 PM

My crystal balls are semi-working

This post has been edited by wongmunkeong: Aug 11 2011, 09:58 AM

er.. I'm not Wong Seafood (Learner plate imprinted on forehead, how to be Seafood?) though i hope i can shed some light on your Q.

Bonds for PM cost 0.25% service charge no matter EPF ke, or Cash.

U must be in the systems development or engineering arena - calling it a "staging area"
Yup, U can use bonds as a staging area for DCA but it's more effective to use it as a staging area for VCA or TwinVest

This post has been edited by wongmunkeong: Aug 12 2011, 04:56 PM

Yup U can. U can have N number of agents for one type of fund but it'll be different account number AND your new agent will not be able to access the data of your funds opened with OTHER agents.

Filter for my post in this thread / topic, i posted examples and details about early this month or late last month here Lazy fler to re-type again.

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Added on August 12, 2011, 8:35 pmSir! Respect must be earned Sir! I'm still (and will always be) am a "L"earner, thus very very uncomfortable with seafood title .

Expectations management Sir, expectations management - i've encountered some folks thinking i can solve EVERYTHING when they themselves dont want to change their $ attitude/habits - scary lar

May your Palladium powered, Arc reactor, never run out of juice.

BTW, very simple lar the TwinVest & Value Cost Averaging - just google those 2 on Amazon, buy them books at Popular Bookstore (with Popular Card, during sales - CHEAP CHEAP ). My IQ is only lukewarm and not a brain surgeon / rocket scientist, if i can understand it & convert them into Excel sheets to use, anyone can

This post has been edited by wongmunkeong: Aug 12 2011, 08:45 PM