I bought Axis share few years back now PN17 status and i lost money on it.

your statement for both quite confusing

let your UT portfolio profits accumulate and spend your excess cash - do you mean use existing UT investment accumulate profit to reinvest in UT ? your excess cash not spending on UT ? how about dividend yield take out or reinvest you didn't mention it.
invest your excess cash and spend your dividend cheques - do you mean using excess money to on UT and take out dividend for spending ?

This post has been edited by aoisky: Dec 25 2012, 11:08 PM

I meant Axis REIT

ok let me clarify with an example...

(1)
u already have a large RM100,000 UT portfolio, portfolio IRR about 5% so annually it grows RM5,000 i.e. RM417 per month
your monthly salary - expenses - financial commitments = RM400
so, u spend your RM400. let your UT portfolio grow i.e. stop topping up

(2)
u have equity investments of RM100,000. the equity portfolio is yielding about 5%
your monthly salary - expenses - financial commitments = RM400
so, every month u dump the RM400 into your sharebroking trust account, every quarter/half-yearly u will buy more shares to top up
when u receive your dividend cheque(s) totalling RM5,000 (let's just say), u spend it

understand the difference?

you can't compare like that, UT and sharebroking different type of investment category. Therefore your portfolio's profit / loss yield for both may vary.

This post has been edited by aoisky: Dec 25 2012, 11:22 PM

of course not 100% comparable

so, I'm asking, which u prefer

spend ur excess cash and let your portfolio roll, or
spend your investment returns and invest your excess cash

Well, lets tell us what your choice then and what is yours (a) or (b) currently you are practicing. I think most likely you are (b)

This post has been edited by aoisky: Dec 27 2012, 08:13 AM

hehe - too many undefined variables leh to me.
eg.
is my excess cash > my dividend chqs or vice versa or ?

anyhow, the way i read/understood the former vs latter diff from what U posted just above this reply. gomenasai
I think the trip up for me was "why would anyone invest excess cash YET spend dividend income"?
sorry - 1 or 0 kinda fler here, IT mar

Personally, if i have created excess cash, i'd invest into growing assets.
If i have too much excess cash and enough assets already, i won't be investing the excess (in either UT or REITs/div stocks) but spending it and the dividend income

BTW, REITs would be more tax efficient than dividend stocks for dividends. Stocks have a higher potential of capital gains/loss though

This post has been edited by wongmunkeong: Dec 27 2012, 08:25 AM

I'm asking this bcos bonus is coming (yeah! ), and I feel like diversifying into stocks (dividend stocks specifically) which will give me cash dividends, because I felt that, yeah I've got a respectable UT portfolio, but I'm not reaping any fruits from it at this moment, because all distributions are reinvested.

Perhaps I'm tightening my purse too tight, investing all my monthly budget excess cash? I should allocate more $$$ for entertainment and leisure?

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Added on December 27, 2012, 9:19 amFor the purpose of discussion, let's assume that they are the same

This post has been edited by Pink Spider: Dec 27 2012, 09:19 AM

hi all,

can anyone help explain to me why the BOND fund in unit trust, for example public bank unit trust bond fund, the yield is lower for the past one year, compared to 2010-2011?

back then, the yield appear to be higher?
thankS!

based on common logic - when ppl chase up the price of something, the yield (based on price that U bought in mar) goes down or in changgih talk "yield compresssion".
ppl "fear" equities, thus move/hold in bonds/bond funds, thus... thus... thus the above

my 2 cents, not gospel truth

Note - if U bought several years ago and holding, still getting similar DY% as last time right? Coz your cost was those days, not nowadays' prices

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Added on December 28, 2012, 1:25 pmTabulating my net worth and investment assets + seeing them grow MONTHLY is part of my entertainment & leisure
I digress though hehe - balance i think, is best unless U want your "naughty kid"-side to come out and bomb your savings/investments. Seen this happening in friends and myself - the "what about me!" (fun seeking kid side) causes splurges and "accidental investments" when i didn't give balanced attention to "him"

This post has been edited by wongmunkeong: Dec 28 2012, 01:25 PM

darn...i never really think of that....

what you explain make sense also....darn darn darn....

What is the name of the fund?

Buy from where?

local fund?
if u bought it 3rd or 4th week of nov. of cource, local market uptrend at the moment. most of the local funds perform similar too.

Wong Seafood, u and me enjoy the same "vice"

But being the single and unmarried me, I think I should be a bit more "normal" like other <30 years olds

This post has been edited by Pink Spider: Dec 28 2012, 11:04 PM

Just updated mine this month. XIRR on AmDynamic alone 5.39%

It's at historic low, it used to be 6-7%

Yup. I have my own record list of XIRR. Update it on a monthly basis.

Ya.. mine is around 6%pa for AmDynamic now. During August it was like 8.5%pa... sigh

Mine also around that. Profit like 8-9k i guess since last year july. Lump sump 3 times. But recently not so good.

Unker/bro mois,

Appreciate if u could express your profit in terms of % in future...profit 8-9K is meaningless and makes eyes green with envy without reference to your capital invested and the timeframe invested.