Exactly.

I might as well utilize it for other equity funds.

You got a point there...

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Added on January 5, 2013, 9:21 amYou got some AQ this week?

This post has been edited by Kaka23: Jan 5 2013, 09:21 AM

Apa II? Apa AI?

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Added on January 5, 2013, 9:38 amGuys, how's your asset allocation now?

Mine at 70% bonds, 30% equities
Current allocation giving me IRR 5.5% at the moment.
Started investing in 2008, but current allocation only commenced in 2012.

Targeting 60/40 by end of 2013.

This post has been edited by Pink Spider: Jan 5 2013, 09:39 AM

Here is mine;


IRR = 5.25% to date

MY EQUITY 12%
MY EQ + ASIA EQ (< 30%) 10%
ASIA EQUITY (> 30%) 3%
GLOBAL EQ (COMO) 7%
MY BOND 68%
MONEY MARKET 0.0%

Plan to focus on Asia region this year. MY should be after GE. Commodities, need to average down as I am facing high loss here..

Other suggestions are welcome...

Hi David83.
From my understanding, the special service charge of 0.5% is for all funds, whether AI (additional investments?) or II (initial investments?).

II = Initial investment (usually for buying new fund)
AI = Additional investment (usually for topping up existing fund)

Sorry to borrow those terms from PM.

Haha..That is why I am blur. Although I got some pm funds, this shows the agent never been looking for me for a long while already..

II, AI, DR are short codes used in the PM statement if you really received and read through them.

Haha.. I didn't read them thoroughly, I just glance the total amount and that is it

Nope. NAV still above my targeted range

You started in the correct timing bro.. 2008 most of the stock market at bottom.

Sorry, I started BEFORE Bear Stearns event, so I started at the beginning of the slump

And I went too aggressive in Asia Ex-Japan and Emerging Markets during 2008-2010, went into double-digits % losses and ran away
Only kept my Hwang Select Income Fund from 2010-2012

2012 only rebuild my portfolio and recovered losses of 2008-2010.

huhu same here bro
slightly gain back some investment and back to green now

aiyo, 2008 to early 2009, index 40%+ losses ONLY mar heheh
1996 - 1998, index 80%+ losses leh
The "nuts falling off feeling"....

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Just to share another website / page i found useful for "eye one see all" markets situation
http://online.wsj.com/mdc/public/page/2_30...dc_pastcalendar


This post has been edited by wongmunkeong: Jan 6 2013, 04:33 PM

I'm reading WSJ online every day and I've never seen this
Maybe I've not been exploring the website thoroughly enough

Hi, you guys invest using RSP or online transaction whenever feel like it?

I tried to apply RSP through DDA but they said need to wait 2-3 months for bank approval.

U talking about FSM? Better option would be to park your excess cash in OSK-UOB Cash Management Fund and do your RSP from there.

CMF:
- 2.9% yield, invest solely in Fixed Deposits
- 2 working days withdrawal time
- FSM purchases paid via CMF would be processed on same working day

This post has been edited by Pink Spider: Jan 7 2013, 10:57 AM

Ya.. I started to use CMF since 3 weeks ago. Really convenient...

Thanks pinkie for the prompt response. I have used online banking and it took almost 4-5 working days for the fund to appear in holding.

Ya.. for FSM, usually it takes T+4 to appear on your online account. BUt you bought it at the T date..