post by yklooi at 2857 did show how to include the distribution....

btw,...I think no one (in here) calculates the NAVs movement only....
they calculates the Navs WITH the number of units available at hand

This post has been edited by MUM: Jun 18 2019, 12:34 PM

I assume your are referring to managed portfolio as in managed Unit trust portfolio...

if my assumption is correct, thus on this...."yet still losing money eventually? Can share how this can happen?"
if you would hav bought into it at high periods and at the funds that had previously been top funds for a number of years....
example...most of the funds had had a good run for some years prior to the good year of 2017.....
if one were to bought into them.......
well, most of them performed very badly from end Jan 2018 till end Dec 2018....
Overall Fund Returns in 2018
As of 31 December 2018, there are 204 equity funds on our platform with full year return in 2018.
202 (99.0%) of the equity funds posted losses while merely 2 (1.0%) of the funds clocked positive returns.
On average, these equity funds have posted -14.4% loss across the period.

https://www.fundsupermart.com.my/fsmone/art...erciless-Market

on this..... "My finance advisor keeps asking me to buy managed portfolio like no way i can lose money. True?"
Well.......depends lor....
when you bought them, what funds is in the managed portfolio, how long did you hold them? etc etc.
btw,...if the managed portfolio is heavy in bond funds.....chances of losses will be lesser, but so will be the positives returns....
btw,...if one were to held HEAVY into bond funds from this fundhouse since the beginning of last year....
then....can see how in A day the fund can wipe out the returns gained in the whole of last year or 2 years
https://www.fundsupermart.com.my/fsmone/art...hin-Half-A-Year

I think he was referring to UNIT trust....unit trust can leverage?
unit trust can lose "everything"?

if returns is the main priority, then Portfolio 1 was better bcos the returns was better if you had invested in it 14 yrs ago.....

This post has been edited by MUM: Oct 9 2019, 08:18 AM

this also mentions about the
HIGH SPREAD and
LOW TRADING VOLUME

https://klse.i3investor.com/blogs/ETFs/225609.jsp

OPUS INCOME PLUS FUND

5. FEES, CHARGES AND EXPENSES
The following describes the fees and charges that may be DIRECTLY incurred by Unit Holders of the Fund when purchasing or redeeming Units of the Fund.

page 12 of this prospectus....
https://www.eunittrust.com.my/pdf/Prospectu...260112018_p.pdf

do check out this OPUS touch thread...
0% sales charges, earn Boost points
https://forum.lowyat.net/topic/4886774

***************************
I maybe mistaken, but it seems that specified Areca Capital Fund is NOT in the list
if you are looking for Areca Capital's funds....then can try this...
http://www.arecacapital.com/Our+Funds_14_1.htm
and .....
How does an individual invest in Areca Capital?
The prospective investor may contact our Investor Care at 03-7956 3111 or visit the nearest Areca Capital offices.
http://www.arecacapital.com/Frequently+Ask...stions_26_1.htm

you asked..."worth to invest?"....
if you liked this,.... then....
"Our maiden fund won the Best Fund (Equity Malaysia) awards, consecutively for year ended 31 December 2016, 2017 and 2018 in the Lipper Fund Awards for the 3 years, 5 years and for year ended 31 December 2017 and 2018 for 10 years’ category. "
http://www.arecacapital.com/About+Us_3_1.htm

This post has been edited by MUM: Jan 9 2020, 08:35 AM


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OR to promote the use of the other one

You mentioned... they hv enough money to get by n this 200k can be stashed away for any lenght of time.... Try Kwsp? 60k each x 2 a/c this year n repeat that both a/c for the balance 3 monrhs later (next calendar year)

This post has been edited by MUM: Oct 4 2020, 10:30 AM

fyi, this this Annual Management fees + other fees are fees you don't get to feel for you don't need to pay from the your pockets
only Sales charges (and for some fund redemption fees) are fees that you will feel it "physically"

Returns from unit trusts
You invest in a fund by buying units in the fund. There is a capital gain when the price of the units rises above the price you paid for the fund.
Some funds pay dividends....in the form of cash or reinvestment of extra units converted by the given "cash"....as you get these extra units in your holdings, then any movement of the NAV will moves your amount in your holdings

on you question "so my questions are
1) did I miss out any fee involved in both vehicles?
2) did I set the game plan correctly?"

i think the more important plan is to know your comfort level in investing between this 2 vehicle.
do you know you can be better in investing then the "Professional"? if yes, go to invest your self. if not, go for UT

This post has been edited by MUM: Oct 21 2020, 04:58 PM

if your tax bracket is high...try start by putting in RM8k into SSPN-i to get the tax relief of this RM8k
(if you are in the 24% tax bracket...you will save 1920, if 21% then 1680), but remember to invest the money saved not spend it

example,
you hv 10k now, split it into
8k into SSPN-i by Dec 2020
2k into Stashaway (example)

in Jan 2021, you withdraw from SSPN-i, put into Stashaway (example)
thus total in is 10k

in Apr 2021 you pay less tax of 1920 for your income tax 2020...you put in 1920 "saved" into Stashaway (example)
total in it will be 11920 by Apr 2021

This post has been edited by MUM: Oct 24 2020, 08:51 AM

if you were "lucky" enough to enter into some of these Eastspring funds at end of last year and NOT the other some of Eastspring funds too......

will your last year selected funds will still be performing the same NEXT year?


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while waiting for responses....
if you like you can try this...
for recommendation....try this
Recommended Funds
https://www.fsmone.com.my/funds/research/recommended-funds

or try as per image to get more info about them DIY research
https://www.fsmone.com.my/funds

This post has been edited by MUM: Nov 15 2020, 09:55 PM


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try this
https://www.fsmone.com.my/funds/research/ar...=11254&isRcms=N

also i think ONLY approved UTs funds

usually they would said...throw away those BAD one and keep the GOOD one
those that are still about below 35% ROI after 10 years should be the one that needed more scrutiny....
not sure what are those funds...if those are Fixed income funds...then they are definitely different than EQ funds

the 3 funds that mentioned that you bought 10 yrs ago had these performance since 10 yrs ago....

sourced from
https://www.publicmutual.com.my/Our-Products/Fund-Overview


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What is your expected returns of investment per year for this 10k?
How much money will you willing to see looses before you get out of it?

then, How much money will you willing to see looses before you get out of it?

that can have a ROI as below ......

and can willing to see losses as below

thanks for telling.....now that would enable more focused replies from forummers

if you falls under Cat 1...no document needed...
“Those under this category don’t have to provide supporting documents as the approval is automatic based on EPF’s internal data."

if falls under Cat 2.....can only be verified through supporting documents.

https://www.malaymail.com/news/malaysia/202...drawals/1928270

on this ...."then pump back into epf account consider it as self contribution to reduce tax."
only if you have not fulfilled your EPF tax relief claim quota from your existing income....

and if also qualified for PRS & SSPN.....then more tax reduced

This post has been edited by MUM: Dec 7 2020, 10:10 AM