哇

i am nearly into.

Email I received.

1) FSM eNews: http://www.fundsupermart.com.my/main/artic...012_318_en.html
2) FSM Specialist: Enhance Your EPF Savings Return

This post has been edited by alex_cyw1985: Jul 13 2012, 02:11 PM

not these, I've unsubscribed from the FSM mailers. The mails I got recently come from a Client Investment Specialist.

my am dynamic investment is 7X% and Emerging Market Bond is 20%...but the Emerging market bond return more than Am dynamic.... =="

since when you bought both bond? same time?

Your portfolio is all bond funds?

for me, EMBF 3 months return beat AmDy 6 months return

Got abit is kenanga gwoth fund....its equity fund..

how long hv you guys invested in fundsupermart?..

Me almost 3 years already

kheng la u... 3 yrs already gold status. haha..

Silver la...RM50K
Gold for >RM150K

Anybody will do switching out from equities to money market before the election?

I'd say, keep the min. balance intact

Fleshing out Pink's feedback -
My Personal Shopping Rules to abide to:
1. When no sales / value - just buy "enough" to meet requirements (balanced nutrition / Asset Allocation? )

2. When prices are sky high - cut down on requirements or SWITCH product for product of more value and buy way less (tighten the belt / ooo Asset Allocation too hehe)

3. When sales / good value - buy more and stock up, using the unused $ from (1) & (2).

I'm a shop-a-holic (for assets & bargains)

This post has been edited by wongmunkeong: Jul 14 2012, 10:23 AM

Wong Seafood, wanna ask your opinion...

Emerging Markets seem like taking forever to recover

Asia Ex-Japan a better proposition?

Still holding back from buying into a Malaysian equity fund due to the GE that seems like never coming

"See food" wong reporting in

Emerging markets - as in BRICs + Chile + Eastern Europe etc?
hehe - first off, my opinion isn't worth the tissue paper i doodle on as i dont focus on these other than China, Eastern Europe (collectively) & Brazil.
Ok ar economically (comparatively) - if looking at specifically at China/HK, Brazil and India. Hey, 3% to 7% expected growth is helluva more than US & EU
Market-wise, it's near a low and i'm still chugging along with my TwinVest (no fear/greed),
while holding back some dry powder for Luxor EU ETF and CIMB C25 price VS NAPS to go lelong (greed) hehe.

IMHO, Asia would be where some of the newly minted cash will flow. In addition, some countries, although hit by drop in export, have the critical mass of internal consumption to keep them chugging along - eg. Indonesia & Thailand. Thus, we are lucky to be in Asia this century hehe.

GE in MY? That's the prob lor - if keep holding back (a lot) or if fear/greed.. see the thing moving and go
Then jump in and kabloey!
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 )
Please be kind to me

This post has been edited by wongmunkeong: Jul 14 2012, 12:21 PM

Ok...

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

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

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Added on July 14, 2012, 12:40 pmAnd I'm on 75% 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

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


MAJOR differences between DCA vs TwinVest:
a. DCA: Allocates $1K pm and USES $1K per month to buy in

b. TwinVest: Allocates $1K pm and uses a calculated amount based on price/NAV
IF calculated amount < allocated pm, put aside extra unused capital for future usage (when market slides)
IF calculated amount > allocated pm, tap into the unused capital UP TO THE available (don't worry - EXCEL's IF THEN ELSE takes care of this)

c. Thus, the major difference = actual quantum of $ injected into investments (buy in) per period, even though same amount of $ allocated AND same periods executed.


Of course, lump sum beats all IF one has lump sum AND the market goes up and up AND one has nuts of steel

This post has been edited by wongmunkeong: Jul 14 2012, 01:31 PM

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

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

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