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 Fund Investment Corner v3, Funds101

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felixmask
post Jan 19 2013, 11:52 AM

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QUOTE(Pink Spider @ Jan 19 2013, 09:29 AM)
I'm now thinking, should I make my investment porfolio 75% UT 25% direct purchases of MYR equities or should I lower it slightly to 80/20 hmm.gif

Spooked a bit by my previous experience in trading, though this time I don't intend to trade, I just wanna buy and hold for dividends sweat.gif
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Juz share my history investment porrtfolio.

2005 100%UT equity fund -
2006 100%UT equity fund -
2007 100%UT equity fund -
2008 100%UT equity fund -
2009 70% UT equity fund, 30% MYR equities - Didnt move from my UT fund but from cash saving and bonus.
I bought my 1st share BSDREITS, STARREIT & Maxis
2011 70% UT Bond fund, 20%UT equity , 10% MYR equities, top up regulary at bond fund.
Scare of Euro Debt crisis cry.gif and history of 2008/2009 financil crisis.
I move 70% UT equity fund to Bond fund after my UT recover back.
2012 30% UT Bond fund, 10%UT equity 60%MYR, move my UT bond fund to IGBreits.

I only enter those stock that are new/fresh from IPO and strong company that can give dividend.
I dont instanlty switch from my UT fund to MYR equities over night, instate topup UT i used the extra money to buy some few lot share. Testing the water and dont rush/chasing buying share.
I also afraid of trading, then started regular followup the Stock exchange forum.

This post has been edited by felixmask: Jan 19 2013, 12:59 PM
felixmask
post Jan 19 2013, 12:57 PM

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QUOTE(Pink Spider @ Jan 19 2013, 12:06 PM)
thanks for sharing Felix rclxms.gif

I'm not moving any of my UT funds (equity funds and bond funds) to equities, I'm "parking" my money intended to buy equities in UT money market funds currently icon_rolleyes.gif

So, it seems that u are giving up on UTs esp equity funds hmm.gif

I like consumer counters like Hup Seng, GAB, BAT etc, those are resilient stocks IMHO
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I regular monitor the Stock forum, can see the dividend receive from my reits and telco then i only dare to put my $$$ to stock onli.
UT equity fund charge me 5.5% service charge for the FM buy sell and still the NAV can drop, so i taking a step i buy sell on my own.The good ting I can sell asap and hibernate $$ in FD and buy back later in other counter, the con is i need to monitor regulary so the capital dont get burn.
Until now i only holding at reit and telco. Now more ppl buying reits the dividend yield getting lower. Thinking to hold SG reits and business trust counter for better yield and political stability.

Some stock are cycle stock like plantation depend on CPO price, i bought Rswait and sold before CPO heading south.
GAB and BAt all are sin stock, scare of govmernt policy,tax and consumer affordabllity, the company profit drive from consumer power. Like wise in 2011 you see 2012 babe boom you already buy those Milk stock like Dutch Lady.
I cant say which stock to invest now, every investment hv risk.
This juz my 2 sen sharing and i also reading you Public Mutual comment.

This post has been edited by felixmask: Jan 19 2013, 12:58 PM
felixmask
post Jan 19 2013, 01:14 PM

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QUOTE(Pink Spider @ Jan 19 2013, 01:07 PM)
Switch to FSM...2% saja brows.gif
Silver investors...1.75% brows.gif  brows.gif
Gold investors...1.5% brows.gif  brows.gif  brows.gif

Yea, I also believe that for buy-and-hold-for-dividend strategy, direct investment on ourselves is superior in the long run. But we need to monitor more closely, especially if u pick small-mid caps. I think I'd leave small-mid cap investing to the UT managers, I'm looking to buy some stable dividend counters on my own. smile.gif
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you mean Fund Supermart?
what is Gold investor??? of Fund supermart gold investor or you meanz investing gold? rclxub.gif
felixmask
post Jan 19 2013, 01:27 PM

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QUOTE(Pink Spider @ Jan 19 2013, 01:18 PM)
FSM Sales Charge range from 0% to 2%
When your portfolio value or total cost of investment >RM50,000, they give u Silver status, Sales Charge discount get 0.25% e.g. 2% funds u buy at 1.75%
When your portfolio value or total cost of investment >RM150,000, they give u Gold status, Sales Charge discount get 0.50% e.g. 2% funds u buy at 1.50%
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remind me, Fund supermart hv talk at KLCC next week, are u going?
"What and where to invest 2013" are u attending?
felixmask
post Jan 19 2013, 01:51 PM

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Hi Pink Spider,

I saw OSK-UOB Asian Real Estate Fund at FSM, meanz i can purchase thru FSM?
I holding this UT since 2005 launching, now still a paperloss. i thought this fund exclusive sell thru Maybank branch channel only.

vmad.gif yet receive any distribution nor capital gain for 7 year..better put in FD.
1) I still dilemma to average up or not? Any way indicate to read this fund performance ? compare PM fund..
2) I check my maybank2u, i can toup with service charge 0.00%....any one can comfirm?



felixmask
post Jan 19 2013, 01:56 PM

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QUOTE(wongmunkeong @ Jan 19 2013, 01:46 PM)
Anoneh - i'm working too on Sat & Sun, working on my financial freedom!  laugh.gif
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Hi wongmunkeong & pink spider,
Can meet you at FSM investment talk, haha...at last meet a sifu , sifu and sifu....there.
me too at office working fully utilized OFFice internet.
felixmask
post Jan 19 2013, 02:15 PM

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QUOTE(Pink Spider @ Jan 19 2013, 01:58 PM)
1. Yea, it's available thru FSM. In fact, u can transfer your holdings in Maybank to FSM (free of charges). Please talk to FSM ClientHelp for the details icon_idea.gif
2. U bought in at the wrong timing laugh.gif
3. AmAsia Pacific REITs is a stronger performer, but bear in mind it's relatively new so don't have a long performance history to compare fairly wink.gif

Latest factsheet:
http://www.fundsupermart.com.my/main/admin...eetMYOSKARE.pdf

Looking at it, no exposure to Japan and Australia hmm.gif
Too HK/China-heavy...75% sweat.gif

You yourself compare with AmAsia Pac REITs:
http://www.fundsupermart.com.my/main/admin...heetMYAMAPR.pdf
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rclxms.gif rclxms.gif i like SG reits......, i stick a while until return capital gain.
Anyone know is OSK-UOB is part of RHBCap take over?
felixmask
post Jan 19 2013, 04:26 PM

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QUOTE(wongmunkeong @ Jan 19 2013, 03:18 PM)
SG REITs? I like them too but be careful bro, it's much more volatile than MY REITs based on 2008/2009 drops.
At current valuation VS DY%, too rich for my blood (SG, MY & AU REITs), thus dunno how to accumulate "Real Estate Equities" asset class now.. dilemma hehe.
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Hi Wongmunkeong,

nod.gif nod.gif I agree sinsei another headache.......i eyeing Hutchison port trust, the nature of business is port. the yield arnd 8%, very volatile with china port business...only scare the capital loss. Im juz want to part my long term investment. Currently holding most in MYR equties, now tinking to divert some to foreign equties nearest SG.
felixmask
post Jan 19 2013, 04:32 PM

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QUOTE(wongmunkeong @ Jan 19 2013, 03:07 PM)
sweat.gif Pink, dont take me as a role model dude. I screwed up badly in my life, 1 big hit to my net worth.
Without this hit, I'd be having enough cash investment assets to retire now (40)  cry.gif
Thus, i'm a bad model to role  blush.gif

U doing well, at such a young age (just hit 30 right?).
Currently, i still need like 2x to 3x of my investment assets to be free or 4x my cash investment assets. Sigh.. 40s liao..  cry.gif  can be done but cutting too close to retirement age heheh
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Any investment also got risk, dont blame or look down .....Sure can hit jackspot if we place safe, even LOSSS we treat as tuition fee.


felixmask
post Jan 19 2013, 05:13 PM

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QUOTE(Pink Spider @ Jan 19 2013, 04:49 PM)
U can always go for a movie, window shopping, eat and drink etc around Suria KLCC

I hope your other half is not a super shopper, else to stand a chance of winning RM10,000, u might lose RMXXXX to Suria boutiques laugh.gif
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lucky draw those who attend the seminar(10am to 4.30pm) ?
felixmask
post Jan 21 2013, 06:50 PM

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QUOTE(Pink Spider @ Jan 21 2013, 01:11 PM)
2.28%...more...more... drool.gif
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Hi pink spider,

Your Local UT fund wont drop together KLSE lau sai....? except you hv switch to bond fund. hmm.gif
felixmask
post Mar 5 2013, 11:04 PM

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QUOTE(ConstantLove @ Mar 5 2013, 09:46 PM)
Im not investment savvy, currently only hold reits , fd and small amount of ut which handled by bank agent..

Im wondering, if i open account in sfm, can i see my ut which i bought at the bank?
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shld be different channel.

Like wise i hv OSKUOB Asian Real Estate Fund from maybank 2007. Only can see at maybank2u last year onli.

Even the fund available at fundsupermart didnt meanz i can signon to see.

what your fund ? which bank?shld be very long time you bought.

This post has been edited by felixmask: Mar 5 2013, 11:05 PM
felixmask
post Mar 7 2013, 02:47 PM

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hi ALL,

I found a good reading material about Fund. Enjoy

i convert to pdf. invest-made-easy.blogspot.com


Attached File(s)
Attached File  invest_made_easy_blogspot_com.pdf ( 569.2k ) Number of downloads: 105
felixmask
post Mar 7 2013, 10:05 PM

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QUOTE(wayne84 @ Mar 7 2013, 10:02 PM)
Cool felix...it give me an idea to choose between Kenanga growth / Eastpring Equity Income / AMB Dividend Trust

hehehe... rclxms.gif  rclxms.gif  rclxms.gif  rclxms.gif
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You luckily coincident i found someone work publish.

I juz convert for my own reference and share to lowyat.

Wish you lucky and Fatt Fatt Fatt investing the fund. rclxms.gif

This post has been edited by felixmask: Mar 7 2013, 10:08 PM
felixmask
post Mar 7 2013, 10:35 PM

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QUOTE(David83 @ Mar 7 2013, 10:30 PM)
Awesome article and now I can understand more about Sharpe Ratio.

I lazy to google or wiki it previously.
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maybe someone free can compile and publsi how to understand/ read UT financial report
felixmask
post Mar 7 2013, 10:38 PM

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QUOTE(wayne84 @ Mar 7 2013, 10:31 PM)
Hahaha...i m waiting GE announce n MY equity in red only go in. EPF also hentam a bit...lolx
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Which fund you want hentam using EPF?
I also want to do so, for Public Regular Saving Fund -if drop below NAV@ RM0.50 again.
felixmask
post Mar 7 2013, 10:40 PM

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do you think we can publish and compile fund report. ? independent fund advisor ?
felixmask
post Mar 7 2013, 10:46 PM

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QUOTE(David83 @ Mar 7 2013, 10:39 PM)
EPF scheme for PM is 3% SC

How about FSM?
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wanted to do during FundSuperMart investing 2013@KLCC. with 1% SC.

Didnt find any fund appeal me- i rather put EPF for x% every year. Else wait another Financial Tsunami.

What i believe buying now NAV now is still high- i rather see NAV go up not NAV go down.

Any FSM below NAV inital?
felixmask
post Mar 7 2013, 10:49 PM

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QUOTE(David83 @ Mar 7 2013, 10:45 PM)
It's not making sense if they charge 3% for EPF scheme right? hmm.gif

Maybe 2% flat.
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icon_idea.gif icon_idea.gif Else wait for FSM investing seminar 2014 for 1%SC
felixmask
post Mar 7 2013, 10:54 PM

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QUOTE(David83 @ Mar 7 2013, 10:49 PM)
The 1% SC is for EPF scheme in FSM or what? I'm confused.
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http://www.fundsupermart.com.my/main/resea...?articleNo=2999

FSM promotion.

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