Hear ya go.
Added a check with my own units received, just in case - must lar, sharing right info/data mar.



Attached File(s)
 SC_and_Units_received_calculations.zip ( 8.21k ) Number of downloads: 138

Hi Malformed.
Yeah, i do rely on Excel a lot as i know my weakness - simple logic can get confused when lots of numbers are thrown around, my processing power low mar, thus outsource to Excel lor

Anyhow, i'm doing this at work (Excel to prove savings, VS comparisons, etc.) thus, it's second-nature to me to "break things down" in Excel to use simple logic on.

Beng, just to clarify:
a. when U BUY from Public Mutual, U get whacked for 5.5% service charges.
b. when U SELL back to Public Mutual, called Repurchase, there's 0% charges

Thus, U sure U are using the right terms for the right actions and not confusing one for the other?

PM's website updates NAV at around 8pm to 10pm
Heheh - i've been grabbing the NAV via my Excel for awhile now.

eg. today's PRSF or PIX end of day NAV will be on PM's website at 8pm to 10pm tonight
eg. The foreign focused funds will show yesterday's end of day NAV by 8pm to 10pm - like PFEPRF, PFES, PRSEC
Usually 8:30pm have already but sometimes gawd knows why, late 10pm only domestic focused funds are updated.

This post has been edited by wongmunkeong: May 17 2012, 03:50 PM

goodness.. another repeat of Jul-Sep 2011, when Greece gave us the bugaboos, again?
OR
perhaps even worse since Spain's in the game too now..

Hehhe - no down, means no value fishing.
Happy fishing.

PS: Last round this happened, KLCI dropped about 15%+/- from it's maximum.
Just to share a gauge if U are interested.

This post has been edited by wongmunkeong: May 18 2012, 04:10 PM

Nope, not yet.
It's now only 4% to 5% drop from the max KLCI (recently hit a highest point mar).

4% to 5% is does not even cover service charges if cash investment , thus, i don't consider it value yet to fish.
I prefer shooting a barrel of fish

Hm.. something like that lar for a bit of target practice.
When lower than that by about 20% to 25%, then i'd use "dynamite fishing" instead of "shooting a barrel of fish", more effective

This post has been edited by wongmunkeong: May 19 2012, 01:48 PM

China's prices fell like stone already, near 2008-2009 NAVs and indices, maybe that's why they are overweight on China-related funds.
Buy low, sell high gua

---

Added on May 29, 2012, 8:52 pmThe local "current low" is only about 4%+/- drop from last KLCI highest of high (hit earlier this year 1600++).

So, low meh?
Last Aug-Oct plunge due to Euro scare was about 15%+/- drop from the highest then KLCI (15XX++ if i'm not mistaken - too lazy to check but i remember the % drop).

Even the 2011 Euro scare is nothing VS so called "market correction" expected of 20%+/-, not PLUNGE like 1997/1998 (80%+) and 2008/2009 1st qtr (40%+/-) yar.

Thus, how low is low? heheh.
Ohm... ohm..

Just some thoughts to bounce out loud Pink Spider

This post has been edited by wongmunkeong: May 29 2012, 08:52 PM

Gomenosai Spider-san (my apologies). Watashiwa hentoni baka neh (i'm very big idiot)

This post has been edited by wongmunkeong: May 29 2012, 09:47 PM

Yup, you're right.
But er.. just a thought ar... even if "no agent" is selected when U invest online via Public Bank or Public Mutual Online, U still bleed 5.5% for equity funds and 0.25% for bond funds.
Thus, why bother with having different "agents" / "no agents"?

In addition, pls keep in mind:
Equity A under Agent 001 CANNOT BE SWITCHED to Equity B or Bond B under Agent 002.
Thus far lar from my experience - i've like 2 accounts from different agents. The rest all under self heheh.

Just a thought

Just to clarify:
An online account is NOT tied to any agent, in case U are thinking that.
Only your online newly bought fund's account number is tied to an agent or PM itself (if no-agent selected)

Personally, if i was a customer (not self-service agent ),
a. IF i have many accounts (ie. different funds) with Agent A NOW,
When i buy a new fund online,
i'd just select Agent A coz it'll be much easier for me to SWITCH between accounts under Agent A - UNLESS U hate Agent A's guts or something

b. IF i have only 1 account (fund) with Agent A + 1 account (fund) with Agent B and both funds are minimal amount NOW,
When i buy a new fund online,
I'd just select no-agent IF U do not wish to cultivate some business deals/services with either existing Agents (ie. U don't like their face/guts/etc.)

c. IF i wish to cultivate some business / services with either of my 2 existing Agents,
I'd talk with the selected one and get a mutual understanding and When i buy a new fund online,
I'd select that Agent as my Agent for the new fund's account.

Er.. those are just my personal thinking yar - no point cutting off nose to spite face as i still get charged 5.5% for equity funds.

Just a thought
PS:
Note that if U SWITCH from Fund A under Agent 01,
to a new Fund Z,
that Fund Z account will ALSO be under Agent 01
due to the "originating" $/units coming from a fund account under Agent 1, which is Fund A.

This post has been edited by wongmunkeong: May 30 2012, 10:37 PM

Hhehe - why ar?

With self-service, my estimated cost of investing into equity funds is about:
a. Cash: 3.4375% (including income tax of 25%) - near the "normal rates" of most fund houses and distributor
b. EPF: 1.6875% (including income tax of 25%) - beats the "normal rates" of most fund houses and distributor

+ can get access to those nice historic data for monkey-ing around with heheh.

Just a thought

Self-service = become an agent (sit for exam, pay yearly fees of about$100, become a UTC), then buy from yourself and service yourself (+ family lar IF they invest).
Additional $90 for the programs/application and access to historic daily NAVs + statistics & etc.

This post has been edited by wongmunkeong: May 31 2012, 01:54 PM

Those days sup sup water if U are an investor (know about things like asset classes, calculations, comparisons, etc.) + just mug up on rules/regulations & specific unit trust "structures" (fund house, trustee, investor, governing body, etc.).
Done in 30 minutes (minimum time even if finished those days).
These days - should be similar gua. 2 friends of mine just took it (one last year or so, another in 2009/2010).

Checkout the topic/thread on being a UTC / mutual fund agent somewhere in the Finance area or... <shouts> KPARAM!!!

I'm in the IT field leh, not Accounting nor Sales nor Investment related
Though i've a passion to grow things and make things lar (typical nerd and systemizing or automating) hehe.
It's easy enough.

Ok - on TwinVest, very astute of U to notice that TwinVest is an ENTRY rule only heheh.
In the book, it says if 300% of start NAV hit, sell all and reboot the program but that will never happen here due to distribution.

Personally, i couple TwinVest entries with EXIT rules where i sell/SWITCH to bonds/Money Market (depending on how's the interest rate lar)
WHEN my transaction's net profit (yes, i track PER transaction) is severely over the average / expected per annum, eg. 25%pa
OR 60% if less than 1 year's holding for a transaction.

Note (again, just what i do ar, may not work for anyone else):
1. I don't sell/switch all of the transaction's units - i leave the abnormal gains there to continue running up or down (very minute chance of going zero mar), its extra gravy.
2. I then "tweak" my TwinVest and add the $witched/$old into the unused capital
3. I've an over-arching Asset Allocation to "over-ride" any "Exits" - in case i'm having waaaaaaaay too much % in "Fixed Income" (eg. >60%+), thus Exiting an Equity fund into Cash/Bond funds/MM fund unbalances my already lopsided asset classes held.
BTW, i've never had my Equities being lopsided (ie. too much Equities VS Fixed Income) while running my several TwinVest programs + Opportunistic investing pot shots.

This post has been edited by wongmunkeong: May 31 2012, 04:07 PM

er.. just to share some perspective since I've already done it for my friend to calm her down, the attached PDF shows:
PAGF, PRSEC and PSmallCap
8 transactions
and their value (profit/loss) for 2008 Nov, 2010 Dec and 2012 May.

Thought it'd be useful for those who say "long term programmatic investing" but now shivering and shaking / second guessing.

Bottom line? Buy low more, don't buy high much

This post has been edited by wongmunkeong: Jun 1 2012, 03:10 PM


Attached File(s)
 Funds__transactions_tracking_with_3_different_Dates__NAV___2008_Nov_Vs_2010_Dec_Vs_2012_May.pdf ( 372.51k ) Number of downloads: 69

Aiya Pink, maybe ada orang "sell him" that there's a product called "public mutual savings fund" leh.
and he didn't even bother going to Public Mutual's website and looked at their products ( http://www.publicmutual.com.my/OurProducts...Prospectus.aspx ), just want to be spoon-fed by see-food(s) here leh..
thus, please be kind to little furry ones that needs some feeding lor

This post has been edited by wongmunkeong: Jun 1 2012, 06:02 PM

http://www.publicmutual.com.my/Resources/U...ustLessons.aspx
IF after reading the above, U are still totally clueless...
THEN give it up, it's way beyond your current capacity.
U need time to grow first, then perhaps can relate better thus understand - my apologies for being blunt
ELSE
Continue to the previous link KPARAM and i shared
END IF

PM can also learn from all the other fund houses outsourcing to FundSupermart - lower cost for DIY, where "advisers" / UTCs are as useful to these DIY investors as "bicycles to fishes"

My $0.02

er.. JonProperty, the moment i invest in ANY UT/mutual funds (excluding back load only UT), i lose at least 0.25% (bond funds).
For equity funds, i straight lose 3% upon investing, if via EPF.

In addition, PM's "good equity funds" average around 7%pa to 9%+pa CAGR based on 10 years' history
+ PM's "good bond funds" average around 5%+pa CAGR
NOTE: All these are EXCLUDING service charges

Thus, please enlighten us how:
"with right strategy, almost impossible to lose money in UT" + "6 years every month DDI RM500, on 7th year onwards can withdraw RM500 for next 20 years"
can be achieved via
DCA via DDI (ie. brain dead $500 pm into equity or equity+bond funds?)

To achieve those results, a CAGR of equal or more than 10.55%pa.
Are U are telling us that your secret strategy is:
a. DDI into PM's publicly sold funds (equity, balanced or bond funds)
b. can hit an average CAGR of 10.55%pa, which is above all the "good equity funds" track record of 10 years which EXCLUDES service charges
c. OR DDI into something ultra-secret of PM?

I understand U are stating that it has been done before and can be proved.
Would U be able to share the tracking data?
BTW, personally, how, how much and what do U invest in?

I'm just curious, my apologies if i sound disbelieving
Maybe i don't understand your "right strategy" via DDI and/or i don't know some secret combination of funds to do DDI. To me, DDI is simple DCA, which is just mindlessly plonking in same amount of $ no matter value is low or high. Thus, hitting 10.55%pa CAGR for 26 years is whoa..
I'm all ears to learn if U are willing to share details.

This post has been edited by wongmunkeong: Jun 10 2012, 10:18 AM