Welcome Guest ( Log In | Register )

Outline · [ Standard ] · Linear+

 Fund Investment Corner v3, Funds101

views
     
rocketm
post Feb 21 2020, 04:59 PM

Regular
******
Senior Member
1,628 posts

Joined: May 2013
Hi,

I just wanted to seek your opinion about investing in equity or REIT.

I just started to invest last year 4th quarter using Rakuten trade. Below is my portfolio.

user posted image

Until now, some of the shares are declared dividend. However, most of the time my portfolio is having loss.

I understand that current situation and other factors will lead to the fluctuation of the share price, but should I continue to put more money to increase my existing shares volume or invest into new share?

If the current losses continue on, how do you decide the timing to sell certain shares in order to get some liquid.

Do share your opinion or suggestion. Thank you.



rocketm
post Feb 28 2020, 01:53 PM

Regular
******
Senior Member
1,628 posts

Joined: May 2013
QUOTE(Yggdrasil @ Feb 28 2020, 12:45 AM)
I'm not too familiar with Rakuten layout so I'm guessing your portfolio is around RM3,553 correct?

If this is true, I believe there are several ways you can improve your investment technique.

1. Conduct transactions only if transaction value is above >RM8,000.
Each buy and sell already incur cost. Not mistaken, Rakuten charges RM7 for below RM1,000.
If you buy and sell, you already incur (RM7+RM7)/RM1,000 x 100% = 1.4%. This means you lost 1.4% already even before you made a profit.
It's better if you put this money in f.d. instead.
Instead, if you transact >RM8,000. Your cost per transaction is (RM9+RM9)/RM8000 x 100% = 0.23%. This is reasonable.

2. Reduce the counters you hold or diversify using ETF.
Yes, diversification is important BUT! You have too many counters in your portfolio. You need to spend time reading all the quarterly and annual reports to properly make decisions.
If you have a full time job, it is better you reduce the number of different companies you hold or use an ETF instead.

3. Set a cut loss.
You did not cut loss on certain stocks causing you to lose a large %.

Final Recommendation
Buy an ETF/mutual fund instead and focus on your career.
*
Thank you for your advise.

My initial investment should be about RM4k.

Under this situation, sell will incur loss thus is it better to maintain the number of counter and volume? If yes, then will the shares increase in future?

I have full time job thus lack of time to study.

Would like to hear more on your advise.
rocketm
post Feb 28 2020, 02:52 PM

Regular
******
Senior Member
1,628 posts

Joined: May 2013
QUOTE(Yggdrasil @ Feb 28 2020, 03:26 PM)
Based on this 2 reason, I suggest you stick to an ETF with low fees.
It provides you diversification and allows you to focus on your career.
A RM1000 increase in your monthly pay is more than what your RM4000 invested can return to you.
Eventually you will have to sell.
If I were you, I will keep the REITs and Sunway, sell AirAsia and Airport. Others cannot really comment.
Put the remaining money into ETF.
Individual stocks is not meant for retirement because it has no diversification.
*
Thanks for the advise.

I actually do have invest in Wahed, up and down but today is showing positive sign.

Thanks by the way. Hope to learn more from you.
rocketm
post Dec 19 2020, 09:01 PM

Regular
******
Senior Member
1,628 posts

Joined: May 2013
Hi guys,

My mother has a RHB unit trust fund, previously the fund is managed by OSK, long time ago.

Is it possible to sell it online or must go to RHB investment branch to sell?
rocketm
post Dec 21 2020, 09:19 PM

Regular
******
Senior Member
1,628 posts

Joined: May 2013
QUOTE(rocketm @ Dec 19 2020, 10:01 PM)
Hi guys,

My mother has a RHB unit trust fund, previously the fund is managed by OSK, long time ago.

Is it possible to sell it online or must go to RHB investment branch to sell?
*
May I know what important issue to take note when deciding to sell the unit trust?

Since the fund price is unknown until the closing of the day then we only can agak-agak now whether it is in uptrend or downtrend based on previous few day price trend, am I right?
rocketm
post Dec 22 2020, 09:08 AM

Regular
******
Senior Member
1,628 posts

Joined: May 2013
QUOTE(WhitE LighteR @ Dec 21 2020, 11:19 PM)
I will sell once I fund the fund underperforming relative to it's peers.
*
May I know how to know the fund is underperforming than its peers?

Is peers means fund that has the same top 5 companies in the latest monthly product sheet?
rocketm
post Jan 20 2021, 06:18 PM

Regular
******
Senior Member
1,628 posts

Joined: May 2013
How to determine whether it is good time to sell RHB Dynamic fund at a good price? This is because the UT price will be known at 5pm of the day.

I bought this fund long time ago. It is a cash plan. The agent already resigned.

I inquiry CS both in RHB and RHB invesment bank. No online platform able for me to sell and only can walk-in to RHB invesment bank sell it.

Secondly, which closing day price will be my selling price if I walk-in to branch to sell during morning time?
rocketm
post Jan 20 2021, 07:52 PM

Regular
******
Senior Member
1,628 posts

Joined: May 2013
QUOTE(MUM @ Jan 20 2021, 07:46 PM)
hmm.gif
*
The chart is showing uptrend but anything that I need to check as the selling price may be start to drop on the day I am going to sell.

 

Change to:
| Lo-Fi Version
0.0243sec    0.43    7 queries    GZIP Disabled
Time is now: 10th December 2025 - 07:17 PM