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 Fundsupermart - Invest Globally and Profitably, Discussion on investment through FSM

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SUSPink Spider
post Jul 13 2012, 02:13 PM

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QUOTE(wayne84 @ Jul 13 2012, 02:11 PM)
my am dynamic investment is 7X% and Emerging Market Bond is 20%...but the Emerging market bond return more than Am dynamic....  =="
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for me, EMBF 3 months return beat AmDy 6 months return brows.gif
SUSPink Spider
post Jul 13 2012, 10:40 PM

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QUOTE(Kaka23 @ Jul 13 2012, 10:25 PM)
how long hv you guys invested in fundsupermart?..
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Me almost 3 years already rclxms.gif
SUSPink Spider
post Jul 14 2012, 08:36 AM

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QUOTE(Kaka23 @ Jul 14 2012, 08:15 AM)
kheng la u... 3 yrs already gold status. haha..
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Silver la...RM50K blush.gif
Gold for >RM150K sweat.gif
SUSPink Spider
post Jul 14 2012, 09:52 AM

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QUOTE(Kaka23 @ Jul 14 2012, 09:31 AM)
Anybody will do switching out from equities to money market before the election?
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I'd say, keep the min. balance intact icon_idea.gif
SUSPink Spider
post Jul 14 2012, 10:31 AM

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Wong Seafood, wanna ask your opinion...

Emerging Markets seem like taking forever to recover grumble.gif

Asia Ex-Japan a better proposition? hmm.gif

Still holding back from buying into a Malaysian equity fund due to the GE that seems like never coming doh.gif
SUSPink Spider
post Jul 14 2012, 12:39 PM

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Ok... wub.gif

Btw, what is the scientific/logical rationale for TwinVest? How different it is to Dollar Value Averaging? In laymen language pls blush.gif

To me, the principle behind seems similar...buy more when low, buy less when high...no? unsure.gif

Added on July 14, 2012, 12:40 pm
QUOTE(wongmunkeong @ Jul 14 2012, 12:18 PM)
"See food" wong reporting in tongue.gif

» Click to show Spoiler - click again to hide... «

BTW, although i'm "holding back" some dry powder, my Fixed Income assets held are still within my planned asset allocation boundaries, though on the higher side ie. 38%+/-

All just a view of a common Joe yar - no professor-i or IQ200 fler (mine's just about 124 to 138, depending on which tests results tongue.gif)
Please be kind to me  notworthy.gif
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And I'm on 75% doh.gif after the recent splurge on AmDynamic Bond...previously it was 60%

This post has been edited by Pink Spider: Jul 14 2012, 12:40 PM
SUSPink Spider
post Jul 14 2012, 01:32 PM

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QUOTE(wongmunkeong @ Jul 14 2012, 01:22 PM)
For a quickie view of DCA Vs pure Value Cost Averaging Vs TwinVest (25% DCA + 75% VCA) in Up/Down market Vs Up Up market Vs Down Down market
https://docs.google.com/spreadsheet/ccc?key...NBR3lNR3c#gid=0

The principles behind TwinVest:
1. DCA is generally ok but why put in same $ blindly when markets are high (ie. over valued)?
When it slides down, ouch.
Should hold back some for EXTRA usage (ie. unused allocated capital) when it slides right?

2. VCA is generally ok to put in more $ when market slides but when market keeps going up and up, participation / buying may not be executed

3. Thus, a combination of both biggrin.gif

Of course, lump sum beats all IF one has lump sum AND the market goes up and up AND one has nuts of steel  sweat.gif
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So, TwinVest is quite similar in a way to VALUE COST AVERAGING...pump in more money when low, pump in less money when high, and when price move up so great, stop pumping in altogether or even withdraw some hmm.gif

Just that I don't get the logic for the "TwinVest number" or what u call it to determine how much to pump in wacko.gif

Say, I want my Fund ABC to go up $100 per month, if the fund gained +20 that month I pump in $80
If it went down -$30 I pump in $130
If it went up +$110 I stop pumping in altogether for that month
Simpler in application sweat.gif
SUSPink Spider
post Jul 14 2012, 01:47 PM

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QUOTE(wongmunkeong @ Jul 14 2012, 01:40 PM)
Try these - perhaps it'll help:

From fellow forumer: Malformed (i hope U don't mind me sharing this link U found)
http://dividendyieldinvestor.blogspot.com/...nvest-idea.html

The Excel which U can breakdown the formula for easier understanding (U numeric literate, sup sup water):
http://www.deepakshenoy.com/articles/blog/twinvest_test.xls
Please note - use at your own risk. That's the reason why i worry about sharing my Excel for TwinVest - it's interpreted and Excel-ized from Litchello's book + worry about possible copyright issues hehe.
Since this Excel and link aint mine... tongue.gif
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QUOTE
When your fund declares a capital gain distribution, continue using the stock price even though TWINVEST ask for more dollars to invest because of the lower price.  Let’s keep this simple.  OR if you want to keep the purity of the math in place for TWINVEST then use an index fund that covers all of the stocks (Vanguard Total Market Index Fund), where capital gains distribution will be non-existent at best or rare at worst


Now this doesn't make sense...let's say the fund does a unit split, RM1.000 --> RM0.500, TwinVest will want u to DOUBLE your investment even when the fund NAV has not moved one inch rclxub.gif

Seafood, how do u deal with this? unsure.gif

Split would be straightforward, distribution not so straightforward...it'll mess up the TwinVest... sweat.gif
...or at least my puny brain blush.gif
SUSPink Spider
post Jul 14 2012, 01:54 PM

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Thanks...this gave me some ideas to ponder notworthy.gif

Though I think its not usable in its original form for ikan bilis investors like me who top up only RM100-RM150 per month for each fund...cos RM100 is already the minimum...if TwinVest says "to pump in less", apa boleh buat??? wacko.gif doh.gif laugh.gif
SUSPink Spider
post Jul 15 2012, 02:20 PM

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QUOTE(Kaka23 @ Jul 15 2012, 01:39 PM)
Hi all,

Switching in Fundsupermart is like selling off your current fund and buy another fund right? So need to pay the sales charge again.
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Same rules apply as with investing thru banks,

If same Fund House e.g. OSK-UOB Equity Trust to OSK-UOB KidSave Trust:
(a) pay switching fee,
(b) pay tier difference e.g. if switch-out fund SC=3% while switch-in fund SC=5%, pay the difference 2%, or
© FOC

If different Fund House e.g. AmDividend Income to Eastspring Investments Equity Income, pay full SC

This post has been edited by Pink Spider: Jul 15 2012, 02:20 PM
SUSPink Spider
post Jul 16 2012, 09:50 AM

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QUOTE(Kaka23 @ Jul 16 2012, 09:46 AM)
This morning I checked with the banks if I managed to buy in AmDynamic which I issue cheques on 10-Jul;

1) AmBank - Successful
2) Alliance Bank - Their bank system shows PENDING ALLOCATION, still not sure successful or not. Shxt!
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Wow u buy UTs thru AmBank, Alliance & FSM? So many channels shocking.gif

I hantam all with FSM sweat.gif
SUSPink Spider
post Jul 16 2012, 11:03 PM

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QUOTE(David83 @ Jul 16 2012, 10:18 PM)
I just reviewed my portfolio. All my Far East funds are not performing up to expectation. sweat.gif
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Persevere, my friend flex.gif

Like what Wong Seafood said, wait for blood to flow...now we're already seeing some drips... brows.gif
SUSPink Spider
post Jul 16 2012, 11:14 PM

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And yield on Brazilian bonds keep dropping...now 9-year bond is only yielding 9.5%...down from 10%+ just about 2 weeks ago... sweat.gif
SUSPink Spider
post Jul 16 2012, 11:25 PM

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QUOTE(David83 @ Jul 16 2012, 11:16 PM)
So, what fund you fishing now?
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2 possible bets:
(1) Bet that there'd be further easing and/or rate cuts esp. among EM countries, buy lump sum into OSK-UOB EMBF ASAP
(2) Bet that yields are already bottoming. Buy into global equities on major dips (>1% drop in a single day for at least 2 days in a row). I've OSK-UOB Global Equity Yield Fund, EA Global Leaders Fund and EA Global Emerging Markets Fund. Whenever Dow, S&P and Europe drop, buy GEYF and GLF. Whenever EM esp. Asia drop, buy GEMF.

With bonds already making up 75% of my total portfolio, I think I'm more likely to execute (2). hmm.gif

This post has been edited by Pink Spider: Jul 16 2012, 11:26 PM
SUSPink Spider
post Jul 17 2012, 11:07 AM

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QUOTE(Kaka23 @ Jul 17 2012, 10:59 AM)
I thought they declare once before somewhere in March'12?
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Yeah, I also remember.

The way I see it, the distribution serves 2 purposes now:
(1) Increase units in circulation, make it closer to the approved limit laugh.gif
(2) Distribute back some cash to unit holders, they're running out of good bonds to invest in hmm.gif

Added on July 17, 2012, 11:22 amAnyone going to this Saturday FSM seminar?

This post has been edited by Pink Spider: Jul 17 2012, 11:22 AM
SUSPink Spider
post Jul 17 2012, 11:26 AM

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QUOTE(Kaka23 @ Jul 17 2012, 11:24 AM)
Cant make it this weekend bro.. Going back to hometown! wish can meet up some of active investors in LYN...
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Yea lor...this could have been a great time and event to meet up at... nod.gif

Nvm bout Kaka, anyone? laugh.gif

Added on July 17, 2012, 11:32 am
QUOTE(Kaka23 @ Jul 17 2012, 10:59 AM)
Added on July 17, 2012, 11:06 am

Yeah!!!! I am in as well buying through Alliance Bank!!!
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rclxms.gif

Added on July 17, 2012, 11:33 amToday Asian equities rallying...might be a good time to top up on Emerging Markets Bond icon_idea.gif

This post has been edited by Pink Spider: Jul 17 2012, 11:33 AM
SUSPink Spider
post Jul 17 2012, 01:45 PM

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QUOTE(David83 @ Jul 17 2012, 01:37 PM)
I quoted from their annual fact sheet.

[attachmentid=2951253]
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bro, itu belum include the upcomign distribution lor doh.gif
SUSPink Spider
post Jul 17 2012, 01:52 PM

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QUOTE(David83 @ Jul 17 2012, 01:48 PM)
That is dated June 2012. Are you sure?
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next one would be in August lar...u din read properly shakehead.gif

Added on July 17, 2012, 1:53 pmFund Name GROSS DIVIDEND RATE & EX Date
AmDynamic Bond RM 0.02 per unit 06-Aug-2012


This post has been edited by Pink Spider: Jul 17 2012, 01:53 PM
SUSPink Spider
post Jul 17 2012, 01:55 PM

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QUOTE(David83 @ Jul 17 2012, 01:54 PM)
I know the exercise date is August 2012. Perhaps it just got approved and distributed later. I don't know just a guess.
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Anyway doesn't concern me, u still remember our debate of the merits of distribution right? tongue.gif
SUSPink Spider
post Jul 17 2012, 02:02 PM

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Just topped up my OSK-UOB EMBF...today Asian equities rallying, bond prices under pressure...probably the last chance to buy before bond yields continue to drop when equities resume their downtrend...things don't look too rosy for equities for the short term
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