hheheh - global equities too (me too) eh?
either "great minds think alike" or "fools flock together"

Backside itching for FSM's 0.5% day... arrgh

Sorry ar - serong a bit off investing.
Samsung S3 & Note 2 - having a SD Card in it but CANT install into SDCard!
Only way is to ROOT it from what i read. Google it
I tells U.. if it was my cold hard cash...
Just sharing in case some fellow investors here thinking of buying & using SDCard with these.

Back to investing...
Kaka - whatcha aiming for this 26th?
Me, mainly to pump up my Asset Allocation in Equities as holding a wee bit too much Fixed Income assets
ManuLife - Global Resources, as a "value one-off buy", not as part of my DCA+VCA,
+ RHB GS BRIC (dunno what else to get which is down enough - Russia, Brazil & China is middle-ish in terms of 52 weeks hi/lo + this fund is currently below it's 25% percentile historical NAV)
+ Hwang Global Property (dunno what else to buy properties related asset class as i'm holding too much % in AmAP REITs comparatively)

Pink & other FSM users, any thoughts - especially on the properties related one?
aargh...
If dont get in now lelong 0.5% charges, dunno when to balance out my Asset Allocation to at least some semblance of balance (ie. not 23%+ out of whack)

Thanks for yr thoughts Pink (Hwang Global Prop).
Yes - i am aware of the US bit which i actually WANT heheh (ie. non-emerging markets' properties).
Like i said, have too much % in Asia in terms of REITs and property related + er.. to me lar, the run up till now for REITs in Asia is CRAZY!
With a tip of a hat to "reversion to mean" and all that overbought thing... time to go elsewhere fishing since i still need to pump up my % in this asset class (Real Estate & Properties related).

Now if only there are specific funds for non-emerging markets' (what's that word ar... memory & language skills going to the dogs) REITs

GEM = Gawd knows which Emerging Market
With BRICs i know what it's getting into
Anyhow, like i said, Russia, Brazil & China indices all middle-ish or lower (fall dagnabit, fall!)
4 major emerging countries wor, with very different economic systems. Cukup enough diversity - too much to me = die-worsify
Anyhow, BRIC to me is not just a punt - it's long run accumulation, thus since i'm "watching it" and the current NAV is "low-ish" comparatively to its median & 25% percentile + moving average & std deviation (my own cooking lar, not FSM's), might as well put in a bit more as it's relatively good value.

Now if only there are specific funds for Latin America, that would be a punt i'd take

Hehhe - thanks for sharing Kaka.

Aiya - AmAPac REITs ok mar if U not holding much and getting into the groove.
It's my main vehicle for DCA+VCA every quarter and if i think it's a bad ride, i'll scream here & now
Anyhow, current NAV is like.. way above median since inception leh. Don't go nuts with it ok lar.

IMHO, best to have a "super structure" to strategically (i hate that word..) or shd i say generally guide your investing focus, then only start picking funds for long term bit by bit accumulation OR opportunistic sniping / grabbing.
Without an over-arching plan, one may have strikers (soccer) + spikers (volleyball) + linebackers (American football) in one's team, trying to play basketball
ie. wrong mix / type of "players" for the wrong "game"

This post has been edited by wongmunkeong: Jan 17 2013, 11:39 PM

Maybe your ASEAN is "for now / historical" OR "bought value/lelong and spiked up liao"
VS
FSM's recommendation is "future result" OR "to buy value/leong and future spike up thus make more moolah" than "already up ASEAN"

My simpleton's PoV

Anoneh - i'm working too on Sat & Sun, working on my financial freedom!

Pink, dont take me as a role model dude. I screwed up badly in my life, 1 big hit to my net worth.
Without this hit, I'd be having enough cash investment assets to retire now (40)
Thus, i'm a bad model to role

U doing well, at such a young age (just hit 30 right?).
Currently, i still need like 2x to 3x of my investment assets to be free or 4x my cash investment assets. Sigh.. 40s liao.. can be done but cutting too close to retirement age heheh

See food, eat food = me
Master Sifu = Gark + Cheroy

Can touch base ar - i'm bringing along my notebook, in case wanna cookup some logic and test hehe.
However, i'll only be there early morning 10am till perhaps 12pm (lunch) - not interested in the "$10K possible winnings" hehe.
I just noticed, "TOTAL OF $10K prizes" or something to that effect, thus, the main prize is not $10K mutual funds.
IMHO, way too long (until 6pm) a wait for "possible win" of such an amount

This post has been edited by wongmunkeong: Jan 19 2013, 04:32 PM

SG REITs? I like them too but be careful bro, it's much more volatile than MY REITs based on 2008/2009 drops.
At current valuation VS DY%, too rich for my blood (SG, MY & AU REITs), thus dunno how to accumulate "Real Estate Equities" asset class now.. dilemma hehe.

This post has been edited by wongmunkeong: Jan 19 2013, 03:19 PM

less than $10K wor... 10am to 6pm wor.. painful leh
I hate "being around" having nothing really worthwhile to do (yeah, one of those kind of flers )

That's the other worry... usually she's NOT a super shopper but with such a stretch of time... + i'm a super eater, if i eat @ KLCC, sure >=$200 gone in 3 hours.. and the 5 hours.. another $300+?
"Idle hands are the Devil's tools" - applies to time to

Anyhow, back to Funds.. nyeah, several prizes amounting to $10K leh, thus not 1 prize $10K heheh.
Kaka - note ar

This post has been edited by wongmunkeong: Jan 19 2013, 05:07 PM

Lucky draw must wait till 6pm for draw.
If drawn AND winners not around, NEXT!

Thus.. 6pm..

Nope - not CIS say. i'm "reading" between the lines hehe - trying to psych myself off it
Yeah, exactly - spend more on other stuff than save in terms of SC

Yo Pink!

"12" * average monthly expenses (ie. i tracked 1 year's expenses then divided by 12).

My 3 months' bonds/equivalent has grown to nearly 6 months' worth of monthly expenses liao heheh - due to growth + added $.
I think that particular post U read was like in 2008 or 2009 right? Looong time haven't put in details like those liao as the solid basics are so... basic

BTW, currently half of my emergency reserves are in cash equivalents + half in bond equivalents, still "similar" as those 2008 / 2009 days hehe, +/- a bit lar the ratio.

David-san, have your net profits for those transactions/entries hit > 50% in less than 1 year's holding?
OR
25%pa if more than 1 year's holding?

If it's just like 10% like the other fellow forumer's posting before yours, no biggie mar.
In, out, in, out susah leh (to me lar) for mutual funds.
I mean, in the sense that it's a basket of stocks and sometimes, don't even know from exactly which country heheh
VS
direct stocks / REITs, which we'll know exactly and where the ups/downs are directly tied to one stock/REITs

BTW, just to share:
a. My PFEPRF entries for early 2009 hit net profit of about 70% in less than a year.
I SWITCH out all my costs & left profits to run.
I noticed that after that crazy 70% run up, it tapered off and up till Nov last year, was "only" 21.71%pa compounded.

b. My Public Bank + LPI bought early 2009 - ran & ran until 2011.
i sold when it plateaued - simple net profit of about 130%+/- or about 43%pa compounded

c. PRE-2008, i noticed mutual funds that i bought in 1990s hitting 25%pa to 29%pa compounded and plateaued awhile until 2008 whammy came.
Note that, based on PM's PIX and older equity funds, in a long run (10 or more years), the CAGR of better funds ranges only 7%+ to 9%+

Thus, based on the above + other transactions i've tracked:
There seems to be a threshold of "abnormally high" runs when certain amount should be locked-in or to use for better buys/values.
Haven't crunched the numbers yet as i'm unsure where/how to start heheh

Just a thought

Cash & Cash equivalents (in context of emergency buffer storage area) to me are:
Savings a/c, fixed deposit, prepayments in flexi mortgage, money market fund (there like FSM's CMF), transaction a/c in HLeB which attracts FD rate while sitting around

Bonds & Bond equivalents (in context of emergency buffer storage area) to me are:
Gov savings bonds, sukuks, bond funds, bond ETF (eg. ABFMY1 http://www.ambankgroup.com/sites/abfmy1/en...s/default.aspx)
Note: if for investment assets', i categorize my EPF under bond equivalents too

This may be of interest to fellow forumers thinking of "doom & gloom" or "too hot now". Note - i'm not advocating "sai lang" or "show hand" approach to buying equities yar, some semblance of asset allocation is my personal approach.

How the market works: Time dependency of bull markets
http://www.scribd.com/doc/120857889/Time-d...of-bull-markets

BTW, my personal "shock control expectation" for investing is based on a cycle of 5 years, 3 years +ve, 1 year -ve, 1 year hanging around (side ways-ish) based on my own Excel cooking + "i think, i feel", no hardcore stats. The above article came out with the nice & readable stats.

This post has been edited by wongmunkeong: Jan 20 2013, 07:24 AM

Was there an announcement on General Election this morning?
KLSE Index fell 1.5%+/- this morning 10am+



Attached thumbnail(s)

wah.. that's more than 10% drop leh.. in one day, max drop 10% only & KLSE's short-circuit mechanism will kick in & shutdown KLSE wor.
Thus technically can't drop to that level today

BTW, now (ie. lapsed 10 to 15 minutes data) 1.68%+ down
I'm getting "stimulated" here heheh

This post has been edited by wongmunkeong: Jan 21 2013, 11:51 AM

er.. no sifu here, just thinking out loud & bouncing some ideas off U ya.
1. IF U cut loss now, do U have anything better to plonk the $ in?

2. IF U didn't cut loss now, can U hold for 5 to 10 years? ie. don't need the $
3. IF U held for 5 years, what are your expectations? 5%pa compounded? 7%pa compounded? 9%pa compounded? 12% pa compounded? 20%pa compounded?

IF (1), why not?
IF U don't have anything better with higher probability.. continue to below


IF (2) and for (3) U expect around 5%pa to 9%pa, ok ar - statistically probable as LOOOONG term stats (we're talking about 10 years and more) i saw from PM's statistical FPAdvisor shows those ranges. Poke your favourite PubMutual agent for more details/print out (to PDF).

IF (2) and for (3) U expect 15%pa to 20%+pa... er... good luck with timing the market.

Just a thought

BTW, in future, U may want to have some % overseas.
Personally, i'm aiming for 2/3 or more of my investment assets to be overseas (in more than 2 countries).

This post has been edited by wongmunkeong: Jan 21 2013, 08:28 PM