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 Fundsupermart.com v2, Learn about DIY unit trust investing

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Kaka23
post May 14 2013, 10:45 PM

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QUOTE(Pink Spider @ May 14 2013, 11:25 PM)
But I'm akauntan tak berlesen. I can always squeeze in something out of nowhere to make it balance brows.gif

Shall I top up on other equity funds hmm.gif
But equity already lari 1%, now 51/49 already. If top up, might go to 55/45 sweat.gif
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Haha.. Bro, you are trying to re balance all the time ka? Maybe try to adjust to your target percentage every once or twice a year?
Kaka23
post May 14 2013, 10:48 PM

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QUOTE(TakoC @ May 14 2013, 11:05 PM)
I'll update you next Monday. So busy with work I haven't got the time to track it for awhile now.

Btw anyone of you realize that unit price are not updated that often now? It used to be -2 days difference top. But lately it can go up to 3-4 days. And I'm talking about FSM and unitprice website.
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My portfolio total return in terms of value is hitting new high almost every other day since last week. Worry abit la as i plan to top up MY funds during the FSM promotion.
Kaka23
post May 15 2013, 07:43 AM

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Dow record high again
Kaka23
post May 15 2013, 08:40 AM

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QUOTE(TakoC @ May 15 2013, 09:33 AM)
Yup. My Asia Quantum value is hitting new high everyday too. The last time I checked simple return calculations was close to 15% or more (if my memories serve me correctly)

Next Monday lar smile.gif

I won't be topping up MY fund. Now for accumulating on global fund (my portfolio now Asia ex Japan focused high)
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My portfolio is not so balance in terms of invested region. Now all are Asia ex Japan (MY funds also consider Asia ex Japan ma).

Mostly general equities stock and Reits only.
Kaka23
post May 15 2013, 09:23 AM

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QUOTE(ben3003 @ May 15 2013, 10:22 AM)
Hwang should update their fund factsheets la.. normally how often they update it?
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Think every month they update la
Kaka23
post May 15 2013, 10:05 AM

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QUOTE(Pink Spider @ May 15 2013, 10:25 AM)
Every month, e.g. they should update 30-Apr-2013 fact sheet by 20th May.

Japan Nikkei continues its crazy bull run shocking.gif
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Nikkei already up like 60++% in one year
Kaka23
post May 15 2013, 10:07 AM

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I got plan to top up bit by bit on Hwang Asia Quantum and CIMB-P APAC Dynamic Income till end year. Then no more top up and just let it roll..

What you guys think?
Kaka23
post May 15 2013, 10:39 AM

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QUOTE(yklooi @ May 15 2013, 11:35 AM)
depends of why you buy it.
just a though, if you hd bought gold in 2004 and by 2007 you had made a profit 200% and sold...you would missed another 400% ROI
just a thought...cos it might go in reverse order.
what is your faith/beliefs on the funds that you hd .
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yklooi.. you are now full time UT investor?
Kaka23
post May 15 2013, 10:52 AM

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QUOTE(yklooi @ May 15 2013, 11:46 AM)
just reading from the post you all SIFUs posted...trying to analyse what is going on....
so much to learn, so much more to know...you ppl are fantastic in terms of investing knowledge. notworthy.gif  notworthy.gif  thumbup.gif
me...just "Sai lang" show hand almost all my $ into UTs. lastweek
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I am here to learn, share information on investing and gain market outlook. No right or wrong.. I think if you stick with your plan and follow it, you will see results. But of course, if market slumps, everybody will be affected la. When that time happens, stay focus and stick to the plan.

Well, saying is easy.. when actually experience it, gawd knows what I will be doing. Maybe sell low and buy when high..
Kaka23
post May 15 2013, 11:03 AM

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QUOTE(Pink Spider @ May 15 2013, 11:55 AM)
You've never experienced a major slump/significant loss? hmm.gif

I've gone past it, both for my UT portfolio and stocks. I hope those experiences have made me wiser and more mentally strong to manage next slump that comes
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Not yet... I started investing on end 2010. Very young in UT investing, less than 3 years.
Kaka23
post May 15 2013, 11:07 AM

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QUOTE(jack2 @ May 15 2013, 11:59 AM)
My portfolio has generated over 10% return now... Unsure want to sell of and rebuy when low?
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wow.. OSKUOB CMF also you can get until 5++%, haha, must be sometime you investing.

I guess, if you plan to rebalance based on your fund to "lock profit", maybe move them to Kidsave. Or a more conservative Hwang Select Income.

Or.. move profit in to Asia ex-Japan region, Or Emerging Market, Or China, Or Global... tongue.gif
Kaka23
post May 15 2013, 11:10 AM

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QUOTE(Pink Spider @ May 15 2013, 12:06 PM)
2008-2009 and 2010-2011 got 2 major slumps
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2011 slump was not so effected on me, as my initial investment is always 1K, then top up few hundreds on equities. When AmDynamic Bond going to close, I just "sai lang" my money into it.
Kaka23
post May 15 2013, 03:10 PM

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QUOTE(yklooi @ May 15 2013, 03:31 PM)
signal?? how to identified? at that time everyone was enjoying the profits.... there are industries leaders like Bill gates and Alan Greenspan said that the tech stock was too high.....it did not crash immediately...i think only after 10 mths....just imagine if the Thai mkt can go up +40% in a year....so can m'sia stock, i think that is what is happening to allot of ppl mind right now...?
i remember during the good yr in i think 1992 ~3 the m'sia stock mkt was soo good until my remisier does not have credit to buy for me....every auntie & uncle who buy stocks make $$,  rclxm9.gif  rclxms.gif then it crashed for a while a few years later.... cry.gif  cry.gif
so i would appreciate yr advise on how to identify the signal....and also what is in the written plan... icon_question.gif  notworthy.gif
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yklooi.. you have had few times experience on major downturn. Can you share with me roughly it takes how long from peak of KLCI index to drop 10%, 20% then to rock bottom?

I am putting a FORCE rebalance to a defensive portfolio (20% EQ, 80% FI) if my peak value in my portfolio to drop 15%. Not sure if this figure is reasonable?
Kaka23
post May 15 2013, 05:37 PM

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QUOTE(yklooi @ May 15 2013, 06:12 PM)
hmm.gif i goggled...
klci market chart, found the chart and below is the website...see if this is what you wanted
http://finance.yahoo.com/q/bc?s=%5EKLSE&t=my&l=on&z=l&q=l&c=

what is see is that, not all funds dropped at the same time and at the same constant rate...maybe it is their holdings.
so difficult to set....i think.....see RHB Bond annual report it dropped i think about 20% in 2007(if i am not mistaken)

if you did, pls share...i am also interested to hv a worst case scenario view of my portfolio.
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Thanks for your effort.. let me take a look, hope I understand la
Kaka23
post May 16 2013, 09:01 AM

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QUOTE(kimyee73 @ May 16 2013, 09:23 AM)
The most important thing is not when to get in but when to get out. If you listen to news or analyst etc., they will tell you when to buy but never when to sell. If you know when to sell you'll cut your loses short. Housing may not be a good example as it is not easy to liquidate. With stock or UT, you don't want to keep your stock during downturn as you can make better use of the cash during this period. Also if you lose your job during this recession, your money go stuck in the equity.

For exampe, if you have rm100k in UT, 50K in fix & 50K in equity. When market went down by 10% on equity side, you forced rebalance to 20-80. Now you have rm19k in equity and 76k in fixed. If market went down worst case by 50% on equity side, your UT value is now rm11.5k in equity and rm76k in fixed, total 87.5k. I'm assuming fixed income did not suffer drawdown just for illustration.

Now, example if you use normal rebalancing. When market down by 10% in equity, you perform normal rebalance. Let see how the value ended up by the time market went down by 50%. 10% (47.5k fixed,47.5k equity), 20% (45k,45k), 30%(43k, 43k), 40%(41k,41k) and finally 50%(39k,39k).

If you follow normal rebalancing you ended up with about rm78k versus if you force rebalance, you still have rm87.5k. I stand corrected if my math is out a bit  whistling.gif
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I am doing force rebalancing the way you mentioned. Looking at total value equity portfolio drop to certain percentage to cut more losses or lock in profit.

I am restless to wait when it drop rock bottom and need to wait 2-3 years for it to come back up while doing top up average down.

In my excel sheet, there is a value i put next to my total current value. So i can know when to execute force rebalancing.

Of course i will see also major market indices, if majority are all red for 1 week, 1 month, 3 months, then will force rebalance.

I think this is a layman investor method, no complicated technical analysis.

I will also do normal rebalancing one time a year towards end or begin or the year. Move some profit to balance fund or conservative fund ie Hwang Select Income or Kidsave.

I am open to improvise my method and evaluate others method as well. I just want to sleep well.
Kaka23
post May 16 2013, 07:44 PM

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AmDynamic bond recent movement quite big compared to last time. Last time only like 0.0001 or 0.0002, now it is like 0.001
Kaka23
post May 16 2013, 10:29 PM

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QUOTE(David83 @ May 16 2013, 09:59 PM)
Strong MYR is hurting my offshore funds. sweat.gif
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Mine some up some down, overall still slightly up
Kaka23
post May 17 2013, 08:29 AM

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QUOTE(David83 @ May 17 2013, 08:40 AM)
All my funds are still green but OU EMB is in red now. cry.gif
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EM now your IRR how much?

Mine all green except gold and energy fund which i still hold very little like few hundred only after cut loss 2-3 months back.
Kaka23
post May 17 2013, 08:57 AM

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QUOTE(ben3003 @ May 17 2013, 09:51 AM)
wat is IRR that we are looking at? I tot we owes looking at absolute return?
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Simple ROI doesn't factor in time, if your ROI is 10% but you holding it for 5 years, it still not beating conventional fix deposits.
IRR will factor in time of holding in your return. Annualized..

Kaka23
post May 17 2013, 09:09 AM

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QUOTE(ben3003 @ May 17 2013, 10:01 AM)
oh IRR is basically annualized return? So longer i hold, the more accurate it is?
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Ya... after 1-2 and above years, the more accurate. I still having funds with IRR 20 - 70% which I hold less than a year.

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