Yup, similar since it's a combo of DCA + VCA.
Try these - perhaps it'll help:

From fellow forumer: Malformed (i hope U don't mind me sharing these links 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 (interpretation concerns) + worry about possible copyright issues hehe.
Since this Excel and link aint mine...

This post has been edited by wongmunkeong: Jul 14 2012, 01:47 PM

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

Seafood, how do u deal with this?

Split would be straightforward, distribution not so straightforward...it'll mess up the TwinVest...
...or at least my puny brain

Eh, the NAV did move 2 inches mar $1 to $0.50 but the value didn't

hehe - U caught on.
There are 2 major "weaknesses" to TwinVest
a. It's just an "entry" rule
Countered by my own exit rules

b. MAJOR distribution and splits does havoc
Ah - so far, no issues with this since i use TwinVest only on ETFs and a few of PM's mutual funds, which have not had MAJOR splits or distribution screwing up the historic NAV vs new NAV badly.

Personally, the distribution adjusted NAV thus far isn't a major impact - been running for PIX, PSSF, PAGF, PFES, PRSEC & PFEPRF.
Your mileage may vary how U manage (a.) and (b.).

Any ideas how to counter (b.)? Preparing in case it happens hehe.

As for SWITCHING to another Equity fund or ETF, TwinVest itself can calculate the new "ratio" - it's another formula to "convert" say, from PIX to PAGF, in a running PIX program

This post has been edited by wongmunkeong: Jul 14 2012, 01:53 PM

Thanks...this gave me some ideas to ponder

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???

U are right.
One has to allocate AT LEAST RM400 to each TwinVest program for mutual funds, since the minimum per investment is RM100 (ie. DCA portion of TwinVest = 1/4 thus, $100*4)

For ETFs & stocks, lagi worse - it is dependent on your EOQ per transaction. Mine's $3K+/-, thus, must have... eeek heheh

Thus, i execute only once a qtr, U too can do this mar - $100 to $150 * 3 mths = near or more than $400 liao
The important thing is discipline to the allocation, ensuring unused allocation availability AND executed every period consistently.

BTW, one of the ways to solve (b.) from my POV is to track the major splits and make changes to the TwinVest formula based on VALUE changes.
Can be done but leceh (lazy baka here)

This post has been edited by wongmunkeong: Jul 14 2012, 02:01 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.

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

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!

Wow u buy UTs thru AmBank, Alliance & FSM? So many channels

I hantam all with FSM

Bro.. no la, I havent stat with FSM yet. Just activate account like 2 weeks ago.

I buy AmDynamic from 2 channels only for personal purposes.

AmDynamic Bond is declaring gross distribution of 2 cents per unit.

Exercise date: 6 August 2012.

I just reviewed my portfolio. All my Far East funds are not performing up to expectation.

Persevere, my friend

Like what Wong Seafood said, wait for blood to flow...now we're already seeing some drips...

PFES used to my best performing fund and now, its return is < 5%.

And yield on Brazilian bonds keep dropping...now 9-year bond is only yielding 9.5%...down from 10%+ just about 2 weeks ago...

So, what fund you fishing now?

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).

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

For 2012, they only declare one distribution.

I thought they declare once before somewhere in March'12?

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Added on July 17, 2012, 11:06 amYeah!!!! I am in as well buying through Alliance Bank!!!

This post has been edited by Kaka23: Jul 17 2012, 11:06 AM