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 Fund Investment Corner v3, Funds101

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eastmeetswest
post Feb 20 2018, 08:38 AM

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QUOTE(Ramjade @ Feb 19 2018, 06:06 PM)
Q1 Depend on market condition and fund manager. A rising tide will lift all boats,  only when the tide goes down,  my outlook will see who's swimming naked. If they change fund manager, fund performance can drop.

Q2 None. Never ever let a fund house brand con/tempt  you into buying. Always look at individual fund. 

Q3 Consistent winners, not one time juara kampung. For me personally, able to beat the index. If it can't beat the index,  might as well I invest in the index itself. High returns,  low volatility,  Sharpe ratio > 1

Q4 See answer Q3. Also see region of investment.
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Hi Ramjade,

Noted on Q1, how do I even narrow down among all those funds, there should be like a key metric that I shud look into right.

Q2, Noted

Q3, I dont get the term index here.

Noted on the region.

Thx again
Ramjade
post Feb 20 2018, 08:54 AM

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QUOTE(eastmeetswest @ Feb 20 2018, 08:38 AM)
Hi Ramjade,

Noted on Q1, how do I even narrow down among all those funds, there should be like a key metric that I shud look into right.

Q2, Noted

Q3, I dont get the term index here.

Noted on the region.

Thx again
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Q1 You can use FSM fund selector or morningstar fund screener
https://www.fundsupermart.com.my/fsm/funds/fund-selector/

Q3 Index is basically the benchmark of the market using weighted returns (richer and bigger company will occupy a bigger pie of the market). 90% of the funds can't beat the index which means 90% of the funds can't beat market performance. So it's better to invest in the market itself if the fund is useless. To invest in the market itself, is buying the ETF which tracks the market performance. Now for us Malaysians is hard to buy ETF as it's expensive.

Now, if a fund can consistently beat the index benchmark, it is a keeper.

This post has been edited by Ramjade: Feb 20 2018, 08:59 AM
yamasce
post Apr 9 2018, 11:41 PM

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hey guys need your feedback here and advices..i have invested in below funds:
1. affin hwang select asia (ex japan) quantum - overseas small cap
2. affin hwang select opportunity - msia large cap
3. kenanga growth - msia mid/small cap
4. cimb principal asia pac dynamic inc - overseas large/mid cap

am i making the correct diversification investment plan? are those funds good choices?

i am also thinking to diversify to india, china and global fundd..funds like manulife india equity, cimb principal greater china equity and eastspring..do you have any recommendations and advices?
MUM
post Apr 10 2018, 12:15 AM

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QUOTE(yamasce @ Apr 9 2018, 11:41 PM)
hey guys need your feedback here and advices..i have invested in below funds:
1. affin hwang select asia (ex japan) quantum - overseas small cap
2. affin hwang select opportunity - msia large cap
3. kenanga growth - msia mid/small cap
4. cimb principal asia pac dynamic inc - overseas large/mid cap

am i making the correct diversification investment plan? are those funds good choices?

i am also thinking to diversify to india, china and global fundd..funds like manulife india equity, cimb principal greater china equity and eastspring..do you have any recommendations and advices?
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what is your % of allocations for those funds?
25% each?

there are some similar invested regions funds...like CIMB and Quantum...they are almost similar countries of investment....try see the individual fund factsheet to see if they are similar or not.

Kenanga and hwang select opportunity are of the same investment area too.

thus your portfolio are mainly abt 50% in Malaysia and 50% in Asia Pac region....

greater china fund are covering China, HK, Taiwan......which i think is coverred by your existing CIMB

for those individual country focused fund like india...can try 5% ~10% just for bit of diversification by be cautious that single country focused or segment focused funds like TA Global Tech are focused thus alot more volatile.

i cannot say if you are making the correct diversification or not ...for you need to see at 50% m'sai & 50% in Asia pac....is that what you wanted and are comfortable with?

googled and found this example....
bear in mind that this is just a concept and it is not a suit all persons portfolio forming concept....
"FSM introduce the concepts behind portfolio construction and management, and share with readers how the Fundsupermart (FSM) Recommended Portfolios are constructed."
https://secure.fundsupermart.com/main/resea...?articleNo=4383

This post has been edited by MUM: Apr 10 2018, 07:13 AM
yamasce
post Apr 10 2018, 09:32 AM

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QUOTE(MUM @ Apr 10 2018, 12:15 AM)
what is your % of allocations for those funds?
25% each?

there are some similar invested regions funds...like CIMB and Quantum...they are almost similar countries of investment....try see the individual fund factsheet to see if they are similar or not.

Kenanga and hwang select opportunity are of the same investment area too.

thus your portfolio are mainly abt 50% in Malaysia and 50% in Asia Pac region....

greater china fund are covering China, HK, Taiwan......which i think is coverred by your existing CIMB

for those individual country focused fund like india...can try 5% ~10% just for bit of diversification by be cautious that single country focused or segment focused funds like TA Global Tech are focused thus alot more volatile.

i cannot say if you are making the correct diversification or not ...for you need to see at 50% m'sai & 50% in Asia pac....is that what you wanted and are comfortable with?

googled and found this example....
bear in mind that this is just a concept and it is not a suit all persons portfolio forming concept....
"FSM introduce the concepts behind portfolio construction and management, and share with readers how the Fundsupermart (FSM) Recommended Portfolios are constructed."
https://secure.fundsupermart.com/main/resea...?articleNo=4383
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yes my overall allocation structure will result in 50-50..

although cimb and quantum looks similar but the allocations and strategies are very different..cimb focus alot more on overseas but quantum has more allocations in msia and SG..the market cap segment is different too..

are these funds good choices? what other funds that you guys can recommend? my criteria will b strong resilience during downturn, always outperform the index and can consistently generate double digit annual return..

should i invest in global funds as well? any recommendations?
MUM
post Apr 10 2018, 09:37 AM

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QUOTE(yamasce @ Apr 10 2018, 09:32 AM)
yes my overall allocation structure will result in 50-50..

although cimb and quantum looks similar but the allocations and strategies are very different..cimb focus alot more on overseas but quantum has more allocations in msia and SG..the market cap segment is different too..

are these funds good choices? what other funds that you guys can recommend? my criteria will b strong resilience during downturn, always outperform the index and can consistently generate double digit annual return..

should i invest in global funds as well? any recommendations?
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i would loves to have those funds that can consistently generate double digit annual returns and be strong resilience during downturn.....

please PM me when you found any......will you? Thanks in advance.

btw,....all the 4 funds that you had selected managed to achieves all your criteria?

This post has been edited by MUM: Apr 10 2018, 09:47 AM


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yamasce
post Apr 10 2018, 09:49 AM

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QUOTE(MUM @ Apr 10 2018, 09:37 AM)
i would loves to have those funds that can consistently generate double digit annual returns and be strong resilience during downturn.....

please PM me when you found any......will you? Thanks in advance.

btw,....the 4 funds that you had selected managed to achieves your criteria?
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lol ya i know my criteria might b unachievable but who knows...mayb close to 10% would b good..those earlier funds are juz baby steps so mainly based on research from fundsupermart, morningstar and lippers...now i want to strictly select my funds..hence the tight criteria comes into play..
MUM
post Apr 10 2018, 09:54 AM

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QUOTE(yamasce @ Apr 10 2018, 09:49 AM)
lol ya i know my criteria might b unachievable but who knows...mayb close to 10% would b good..those earlier funds are juz baby steps so mainly based on research from fundsupermart, morningstar and lippers...now i want to strictly select my funds..hence the tight criteria comes into play..
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if you really understand these....
"Investing involves risk. Fund prices may go up or down. As a result, investors may sustain a substantial or total loss of investment in certain circumstances. Past performance does not necessarily indicate the future or likely performance of any fund. Investors should read the relevant fund's prospectus before making any investment decision. Investors should also appraise the risks involved by investing in selected funds. Investors that don't understand these risk or the nature of these funds should consult their own independent and professional advisors to ensure that decisions are made with respect to their personal circumstances and financial position."

btw, in your reasearch from fundsupermart......have you visited this page?
https://www.fundsupermart.com.my/main/fundi...formed=topFunds

and this too
https://www.fundsupermart.com.my/main/fundi...orst_Funds.svdo

these funds can shifts between these 2 pages without notice and in quick succession too....
T231H
post Apr 10 2018, 10:05 AM

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Do You Use Your Rear-View Mirror To Invest?

A popular topic which arises frequently when we talk to investors is the notion of a “best fund” or “best market”.
Also, upon further probing, the meaning of “best” is usually simplified to some measure of historical performance over a particular period.
Anecdotal evidence suggests a healthy correlation exists between funds which appear on the “top performing funds” list and funds which are selling well, an indication that investors tend to place a lot of emphasis on a product’s track record.
Is such an investment approach akin to driving a car by looking in the rear-view mirror?

TRACK RECORD IMPORTANT, BUT CONTEXT IS EVERYTHING
DANGER OF "BUYING HIGH"
https://www.fundsupermart.com.my/main/resea...gust-2015--6172

ongtomato
post Apr 15 2018, 01:20 PM

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Anyone here know any robo-advisor that can be use in Malaysia?

Would like to try using one.
MUM
post Apr 15 2018, 01:31 PM

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QUOTE(ongtomato @ Apr 15 2018, 01:20 PM)
Anyone here know any robo-advisor that can be use in Malaysia?

Would like to try using one.
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while waiting for responses,
I googled and found this...
hope it can help to provides some added info while you wait...
contact them and tell us about it?
happy investing...

Malaysia to have first shariah-compliant robo adviser
http://www.freemalaysiatoday.com/category/...t-robo-adviser/

http://www.theedgemarkets.com/article/news...sors-are-coming

This post has been edited by MUM: Apr 15 2018, 01:33 PM
ongtomato
post Apr 15 2018, 02:01 PM

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QUOTE(MUM @ Apr 15 2018, 01:31 PM)
while waiting for responses,
I googled and found this...
hope it can help to provides some added info while you wait...
contact them and tell us about it?
happy investing...

Malaysia to have first shariah-compliant robo adviser
http://www.freemalaysiatoday.com/category/...t-robo-adviser/

http://www.theedgemarkets.com/article/news...sors-are-coming
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i actually read those already, but it seems that this robo advisor is not that common within malaysia, i wanted to try "acorns" but i dont think it is available in malaysia, sadly, =/
prince_mk
post Apr 17 2018, 08:59 PM

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QUOTE(MUM @ Apr 10 2018, 09:37 AM)
i would loves to have those funds that can consistently generate double digit annual returns and be strong resilience during downturn.....

please PM me when you found any......will you? Thanks in advance.

btw,....all the 4 funds that you had selected managed to achieves all your criteria?
*
which funds give u double digit return ? buying via FSM too ?
MUM
post Apr 17 2018, 09:01 PM

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QUOTE(prince_mk @ Apr 17 2018, 08:59 PM)
which funds give u double digit return ? buying via FSM too ?
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please see why "that" post was posted?
was it posted in response/reply/query to a particular post?

btw,...just found these funds (available from FSM) that had been giving double digit returns annualised as of today's data...

This post has been edited by MUM: Apr 17 2018, 09:08 PM


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wongmunkeong
post Apr 17 2018, 09:53 PM

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QUOTE(MUM @ Apr 17 2018, 09:01 PM)
please see why "that" post was posted?
was it posted in response/reply/query to a particular post?

btw,...just found these funds (available from FSM) that had been giving double digit returns annualised as of today's data...
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laugh.gif and majority those are the "dark horses" that our "traders of mutual funds" are throwing/dropping.

PS: Clarifications - i agree those are generally good funds but since our "traders" prefer to buy high, sell low - how lar.. wink.gif

This post has been edited by wongmunkeong: Apr 17 2018, 09:54 PM
55665566
post Apr 18 2018, 08:25 AM

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QUOTE(ongtomato @ Apr 15 2018, 02:01 PM)
i actually read those already, but it seems that this robo advisor is not that common within malaysia, i wanted to try "acorns" but i dont think it is available in malaysia, sadly, =/
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i got play around robo in sg. quite convenience for low fee
MUM
post Apr 18 2018, 09:52 AM

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QUOTE(55665566 @ Apr 18 2018, 08:25 AM)
i got play around robo in sg. quite convenience for low fee
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what is the fees like?
how is the overall performance?
how is the performance during good times?
how is the performance during the bad times?
during your adventure with this robo investment in Sg.
notworthy.gif

This post has been edited by MUM: Apr 18 2018, 10:05 AM
Ramjade
post Apr 18 2018, 09:59 AM

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QUOTE(MUM @ Apr 18 2018, 09:52 AM)
what is the fees like?
how is the performance?
notworthy.gif
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The 3 popular robo in SG.
Stashaway
Smartly
Autowealth
55665566
post Apr 18 2018, 11:21 AM

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QUOTE(MUM @ Apr 18 2018, 09:52 AM)
what is the fees like?
how is the overall performance?
how is the performance during good times?
how is the performance during the bad times?
during your adventure with this robo investment in Sg.
notworthy.gif
*
QUOTE(Ramjade @ Apr 18 2018, 09:59 AM)
The 3 popular robo  in SG.
Stashaway
Smartly
Autowealth
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Yea, im using AutoWealth.
I cant give much insight but u can check out how sg ppl review them.
https://seedly.sg/reviews/robo-advisors
MUM
post Apr 18 2018, 11:36 AM

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QUOTE(Ramjade @ Apr 18 2018, 09:59 AM)
The 3 popular robo  in SG.
Stashaway
Smartly
Autowealth
*
QUOTE(55665566 @ Apr 18 2018, 11:21 AM)
Yea, im using AutoWealth.
I cant give much insight but u can check out how sg ppl review them.
https://seedly.sg/reviews/robo-advisors
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Any idea or rough estimates if this is more cost effective than the fsm sg maps/Sg managed port?

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