Just checked, my total portfolio until 31-Dec-12 was IRR 5.04%. Still below my expected return in UT and probably below EPF dividend when they announce in 1 - 2 months time. On the bright side, better than FD..

If your portfolio had mirrowed EPF's i.e. heavyweight MYR fixed income with less than 30% foreign exposure, your IRR would be dunno how many times of EPF's declared dividend rate, just like my Hwang Select Income Fund's IRR has always hovered around 10% p.a.

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Added on January 1, 2013, 10:07 pmAnnualised returns of 5% is something very good already for a semi-passively managed investment.

This post has been edited by Pink Spider: Jan 1 2013, 10:07 PM

My pb fund... Ittikal perform better than epf... Fund bought through fsm so so only... Below 2% of the total nav... Positive is all my ut purchase meant for long term... Aim this year to start doing rsp....

This post has been edited by techie.opinion: Jan 1 2013, 11:53 PM

Hi, I'm relatively new into fund investment and have just registered my account with Fundsupermart. Would like to seek the opinions of the sifus here on how to beat inflation using such market instruments. Still young, turning 25 this year and above all would like to make healthy returns (above FD rates would be fine). Thinking of starting of with an investment of around 10k. I understand you guys have fancy excel sheets to assist in calculating your total returns and ROIs. Mind sharing?

This post has been edited by Hevrn: Jan 1 2013, 10:14 PM

U haven't even started, and you're asking for formulas to calculate ROI...

Start with learning about UTs
Then the different types of funds available
Then learn about portfolio construction (ultimate aim would be to construct a portfolio that can weather all storms with minimal interventions)

Welcome to the club

Looks like the China hype is back.

Seems like fund house is constantly promoting China or Greater China funds again.

People has been taking about china since before the Beijing Olympics... I am still doubtful on China shares.

Yup fund houses promoting china funds to perform well this year.
Interestingly just few days back i happen to watch china's eco news recap of the 2012 and new year 2013 are forecasting ASEAN to excel

Today market down.. But other asia region up quite substantially..

Hang Seng up 500+. Those who has Asia exposure. lol. congratz

This post has been edited by yeapwei: Jan 2 2013, 03:18 PM

Dont worry. Be happy.

http://www.marketwatch.com/story/nine-reso...k=mw_home_kiosk

5) Don’t follow the market on a daily basis

Short-term market movements are irrelevant to the long term investor. Stock market volatility in recent years has frightened many investors, causing them to shun stocks. This is a mistake. Most won't retire before the Great Recession is nothing more than a notch on a timeline of things long forgotten.

The omnipresent 24/7 financial media wants you to stay anxious and keep tuning in. If you must look I suggest that you take a peek on Fridays. It'll save you four needless emotional reactions each week.

correct.

that's why set your own target for risk taker OR adapt to long-term in total.

im a bit risk taker, so i put my own target in front. once i get it, i go away then come back later with new target.

if rely on the market, u won win anything because u can't predict anything. only speculate.

Just updated my portfolio valuation for yesterday...

Equities went crazy, especially Hwang Asia Quantum
But OSK-UOB EM Bond went kaboom

Luckily, equities rallied so hard that it more than covered the fall in EM bond

What is wrong with CIMB-Principal Bond Fund, TWO big drop in 4 months, what type of shitty bond fund are they providing, my high risk equity fund also dun drop >4% in one day ...............

This post has been edited by killeralta: Jan 3 2013, 08:56 PM

Hehe... Good good that equities went up. Thinking don't know what to lock in profit on my MY funds in February or not before GE?

As at now, my strategy is to DCA build up my global equity fund %. Lots of US and European big caps at attractive valuation and dividend yield by historical standards. As for Asia Ex-Japan and GEMs, I'd buy on major dips. Malaysia, maintain minimum holding.

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Added on January 3, 2013, 9:04 pmGo dig for more info.

My wild guess - income distribution

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Added on January 3, 2013, 9:08 pmHmm, nothing on income distribution...where u see the dip? FSM still at 31-Dec-2012 NAV pricing...it dropped on 2-Jan-2013?

Could be a default or downgrade of its bondholding

This post has been edited by Pink Spider: Jan 3 2013, 09:08 PM

Agreed

5.5 sen distribution
meaning NAV would hv been 1.2223

This post has been edited by ctrl_alt_del: Jan 3 2013, 10:22 PM

how the calculation work ?