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 Fund Investment Corner v3, Funds101

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SUSPink Spider
post Mar 12 2013, 10:31 AM

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QUOTE(wongmunkeong @ Mar 12 2013, 10:30 AM)
Sometimes best to play dumb, thus know who are the people that one can trust VS. who are the bullkaka artists
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That's why I diam diam play innocent.gif just listen whistling.gif
SUSPink Spider
post Mar 14 2013, 03:18 PM

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QUOTE(gark @ Mar 14 2013, 02:33 PM)
Ptui! Dividend is not rewarding investor, it more like make investor lose money by paying tax...better no need declare dividend save on tax.

If you want dividend sell some units every year.. some thing only tax free!:P
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Post of the day rclxms.gif

Tell this to those "dividend-hungry" UT investors yawn.gif
SUSPink Spider
post Mar 15 2013, 04:25 PM

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QUOTE(hafiez @ Mar 15 2013, 04:03 PM)
Thanks for the suggestion.

However, i have limited fund choices. Plus, i want to off from equity exposure for a moment.
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By "off", u mean u go 0% equity, or merely underweight equity?
SUSPink Spider
post Mar 15 2013, 04:49 PM

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QUOTE(hafiez @ Mar 15 2013, 04:43 PM)
0% equities.

But not for long.

Sukuk fund alloc are like this;

Sukuk =  84.75%
Cash = 15.25%
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Oh, I remember, u don't invest in foreign equities, u are 100% local, right?

There are opportunities in Asia Ex-Japan region now, sitting out the current uptrend totally could be counterproductive to your portfolio.

And even though Dow and S&P 500 has reached new highs, I'm still buying into global equity bits by bits, what if the rally still got legs? A lot of retail investors are still sitting on the sidelines, the moment they realise, "WTF the market is still going up and up, I'm missing out, I gotta join in too!" the market will go even higher but it could also spell the end of the rally tongue.gif

This post has been edited by Pink Spider: Mar 15 2013, 04:50 PM
SUSPink Spider
post Mar 17 2013, 05:06 PM

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Appreciate some advice here smile.gif

http://forum.lowyat.net/index.php?showtopi...post&p=59004332
SUSPink Spider
post Mar 18 2013, 09:45 AM

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QUOTE(kimyee73 @ Mar 18 2013, 08:36 AM)
This is not mere experiment but a good system. In trading which you're not doing btw, always open a position with pre-determined exit target - either stop loss, profit target and/or time target.

BTW, since you are in CWA, do you know if I can transfer my fund in CWA to FSM? FSM do not have a form to perform this in their website. Thanks.
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U sell all your units in CWA, then show FSM the redemption advice which will show the value of your holdings in CWA. FSM will then allow u to buy in equivalent amount of funds in FSM free of Sales Charge.

But pls confirm with FSM prior to doing this.

This post has been edited by Pink Spider: Mar 18 2013, 09:46 AM
SUSPink Spider
post Apr 1 2013, 09:38 AM

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Historically, GE will go higher just before GE. Insiders goreng-ing up the market, then they cash out Just-In-Time, macam Toyota manufacturing. brows.gif
SUSPink Spider
post Apr 1 2013, 09:52 AM

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QUOTE(hafiez @ Apr 1 2013, 09:49 AM)
hmm.gif nod.gif  icon_rolleyes.gif

Pinky, your statement seems legit. smile.gif
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So, this is the "window of opportunity" that u referred to, right? brows.gif

For traders, this is an opportunity indeed. For long investors like me, just maintaining station with some cash (not too much) to buy on major dips. wink.gif

This post has been edited by Pink Spider: Apr 1 2013, 09:52 AM
SUSPink Spider
post Apr 3 2013, 11:06 AM

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QUOTE(hafiez @ Apr 3 2013, 11:01 AM)
Today market sudah datang bulan.
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Jib Kor calling for live TV telecast at 11:30AM whistling.gif

QUOTE(Kaka23 @ Apr 3 2013, 11:05 AM)
Haha... syiok tak? I takut la..
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Monitoring Bursa for fire sale icon_idea.gif

This post has been edited by Pink Spider: Apr 3 2013, 11:07 AM
SUSPink Spider
post Apr 3 2013, 11:11 AM

Formerly known as Prince_Hamsap
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QUOTE(hafiez @ Apr 3 2013, 11:10 AM)
Jangan takut.

This is normal.

Up and down is good for investors.

I see this as opportunity.
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DLADY, BAT, JTINTER, DIGI, sila jual kaw kaw...kasi merah merah...Pinky nak masuk notworthy.gif

This post has been edited by Pink Spider: Apr 3 2013, 11:12 AM
SUSPink Spider
post Apr 3 2013, 11:19 AM

Formerly known as Prince_Hamsap
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QUOTE(hafiez @ Apr 3 2013, 11:17 AM)
LOL, which fund is this?

We are playing in the same(merely) fund.

Later want to go all out or u want to masuk sikit2?
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Pinky Equity Fund, lu ada minat invest in it? tongue.gif

I'm building my own local stock portfolio of 5-6 stocks, buy and hold for long term dividend icon_rolleyes.gif
SUSPink Spider
post Apr 3 2013, 11:23 AM

Formerly known as Prince_Hamsap
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QUOTE(hafiez @ Apr 3 2013, 11:21 AM)
Tu semua big big counter tu.

Influence big difference if got movements on those counter besides plantations.
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Already have APM, HUPSENG, CARLSBG and TOPGLOVE wink.gif
SUSPink Spider
post Apr 11 2013, 12:02 AM

Formerly known as Prince_Hamsap
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QUOTE(jakuraz @ Apr 10 2013, 11:31 PM)
where do u guys learn to start fund investment?
i have so many questions but duno where to ask...complete newbie here  sad.gif
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First, brush up on the basics. Else, u ask questions also no point, we'd most probably end up like chicken talk to duck doh.gif

OSK-UOB - Unit Trust Basics
Hwang Investment Management - Unit Trust 101

I find that HwangIM's is an easier read. icon_idea.gif

And not to forget...the premier DIY unit trust platform... biggrin.gif
Fundsupermart.com.my - FAQs

This post has been edited by Pink Spider: Apr 11 2013, 12:02 AM
SUSPink Spider
post Apr 15 2013, 03:55 PM

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QUOTE(David83 @ Apr 15 2013, 03:49 PM)
Its Annual Expense Ratio * 2.26% (as of April 30, 2012) is so high!

AER == MER right?
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Fund expenses consists of management fees, audit fees, trustee fees, fund administration fees (stationeries, printing, tax compliance fees etc)

MER... I think general convention is its same as AER
SUSPink Spider
post Apr 15 2013, 09:46 PM

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QUOTE(Vestor @ Apr 15 2013, 09:29 PM)
Sorry, what is AER? Is it something like commission fee by the bank?
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Annual Expense Ratio =
Fund expenses / Average Fund Net Asset Value x 100%

E.g.
Average fund NAV during the year: RM100m
Auditor's remuneration: RM50K
Tax agent fees: RM20K
Trustee fees: RM70K
Management fees: RM1m
Miscellaneous administrative expenses: RM5K

AER
= (RM50K + RM20K + RM70K + RM1m + RM5K) / RM100m
= 1.15%

SUSPink Spider
post Apr 16 2013, 08:25 AM

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QUOTE(wongmunkeong @ Apr 16 2013, 07:59 AM)
In addition to the RED RED worldwide yesterday, last night (MY time), Boston Marathon terrorist bombing!
http://news.blogs.cnn.com/2013/04/15/explo...omment-page-61/

Pink - unfortunately due to the above, i think there'll be a lelong coming. Unfortunate coz it came from such "evil-ness" sad.gif
Humans... sigh...
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Cowards who kill innocents... mad.gif
SUSPink Spider
post Apr 16 2013, 09:42 AM

Formerly known as Prince_Hamsap
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QUOTE(Vestor @ Apr 16 2013, 09:33 AM)
Thanks for the explanation.

If 2.26% is deemed high, what is the typical normal AER which is considered reasonable?
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U can determine in this way...

See the Annual Management Fee and the Trustee Fee which is published in the fact sheet and prospectus.

E.g. AMF = 1.5%, Trustee Fee = 0.07%, add on audit and tax fees, administrative expenses etc, a fund with low Annual Expense Ratio should not run too far from 1.57%.

Because audit and tax fees generally do not move in line with fund NAV, a fund with lower NAV would suffer from high AER compared to a fund with higher NAV. E.g. audit fees RM50,000 p.a., it will be 0.5% of a fund with RM10m NAV, but 0.025% of a fund with RM200m NAV.
SUSPink Spider
post Apr 20 2013, 06:39 PM

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QUOTE(echoesian @ Apr 20 2013, 05:21 PM)
Can we claim the dividend tax as refund when filing for income tax?
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Yes, if any.
SUSPink Spider
post Apr 23 2013, 01:59 PM

Formerly known as Prince_Hamsap
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QUOTE(wongmunkeong @ Apr 23 2013, 01:10 PM)
Just to share a good YouTube
Asset Allocation + Chasing Winners..
http://www.youtube.com/watch?feature=playe...d&v=nysLo1hlgvM
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Wong Seafood,

Any recommendations for EPF-compliant funds?

I've been looking at Hwang Select Opportunity, OSK-UOB Emerging Opportunity Unit Trust and OSK-UOB KidSave Trust.
SUSPink Spider
post Apr 23 2013, 09:33 PM

Formerly known as Prince_Hamsap
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QUOTE(wongmunkeong @ Apr 23 2013, 07:12 PM)
er... i've not looked around much at EPF-compliant funds wor.
Still plodding with PIX, PSSF, PAGF from Pub Mut - coz my EPF siphoned off to Pub Mut's PSBF waaay earlier.
These days... direct into stocks hehe tongue.gif
Thus methinks U da man for EPF mutual funds neh notworthy.gif
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Methinks I ngam ngam meet the min. requirement for Akaun 1 withdrawal for direct stock purchase jor brows.gif

But 10K, max only can buy 3-4 stocks hmm.gif
CIMB ETF? hmm.gif

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