Tried to top up on OSK-UOB Global Equity Yield Fund but not in the list anymore. Is this fund closed already?

Trying to catch-up on v2. I found it easier to trade US equities than Malaysian. Lots of information available online and the trading platforms are really excellent. I'm using TDAmeritrade discount broker and ThinkOrSwim platform. US has the biggest market capitalization, several time bigger than HK that is 2nd world biggest. Liquidity is excellent. You should try it.

Darn. I'm just at 8% and my target is 15%. Look like have to go with Pacific Global Stars

What is the typical IRR for entire portfolio that one can get?

I just calculated my IRR using Pink's excel sheet and it is 9.7% after 9 years of investing with my EPF money. Sure beat EPF 5%-6% but could have been much higher if I did thing correctly instead of randomly switched funds here and there over the years.

I did not understand the concept of portfolio in the past and how you manage UT investement. I have 100% in equity. The only time I made lots of profit is in 2008/9 when I switched most of my money to MM and switch back to equity when market starts to go back up. They stays 100% in equity until today. Now understanding the portfolio thing, I'm starting to move some to fixed income fund but managed to move only 15% before market taking a dip recently.

That was purely luck. My original consultant did not service me, so I approach another consultant that is making monthly visit to our company. She told me my profit already went down by 20% and I should switch to fixed income immediately. I was shocked and quickly signed switching forms. I'm more into stock and did not really pay attention to my UT. Only recently after signed up with FSM and learning from this forum that I'm giving it more attention. Can I expect to increase my IRR in future? May be not since my new portfolio would be 30% in fixed income and limited choice of funds available for EPF investment. Maybe when there is another market crash..

Not quite understand what you meant?? I'm not losing anything. My IRR is about 9%.

It's OK. It probably will recover in the next couple weeks but right now things are looking down and this is an opportunity to top up. I'm going to use my referral token to buy additional funds. I'm looking at Alliance Global Equity Fund and CIMB Global Titans Fund. Any comment about those funds?

You top up whatever funds got hit, I'll buy those two since I don't have them yet

I'm looking at the 3-yr Volatility and Sharpe ratio. They are about the same on volatility but sharpe ratio signifcantly higher. Not sure if the numbers are correct but here what I got from FSM

OSK-UOB Global Equity Yield - 10.99 - 0.17
Pacific Global Stars - 9.66 - 0.11
Alliance Global Equities - 10.87 - 0.47
CIMB-Principal Global Titans - 11.57 - 0.24

Also FSM has switched half of their global fund from PGS to Global Titans for their recommended balanced portfolio.

This post has been edited by kimyee73: Mar 20 2013, 04:48 PM

I have different opinion. I would look for how well a fund can recover after a downturn. If you look at 3 years chart, all the 4 funds tracked pretty closely with Alliance perfoming the best when it can withstand the selloff in Nov'12 while the rest of funds are recovering from it. This is post recession. If you look at 5-years chart, Pacific performed the best and recovered ahead of others, Alliance and CIMB about the same while OSK did not really recover from it. Base on this chart, I would avoid OSK-UOB and go with either Pacific, Alliance and/or CIMB. BTW, I have both Pacific and OSK and plan to keep only Pacific and buy into Alliance and CIMB. If you look at how their NAV moves for the past few years, it track the stock market pretty well. I would expect the NAV to drop significantly around May-July timeframe and rise again in couple of month. If you perform VCA well, you should be able to get pretty good IRR over 5-10 years period. I look back at my PM funds, I did get 16% IRR for PFSF and PISSF, 13% for PISEF and 12% for PIEF and PIDF and I did not really perform VCA but DCA quarterly as allowed by EPF. So IRR more than 10% is achievable, just how well you can take the risk. It might not be for everyone. I know many would freak out when they have just 10% drawdown.

If you invested heavily, locking the gain can easily offset switching fees. I'm not sure if the switching fee is a percentage of amount switched or a fix cost, I believe it is the later. You can do this when you're retired and not topping up anymore and want to lock the gain instead of letting the value to fluctuate. Switching between equity and fixed income is the right thing to do in such situation. For those still working, practicing both method is good to take advantage of capital gain while at the same time cost/value averaging.

You can always use bond fund to lock-in profit or as buffer for unexpected opportunity. Just need to maintain small percentage there like 10-20%.

ya, me too

Why none in Penang ?

I got 0.5% discount for OSK-UOB from FSM recent seminar in Penang. I top up rm100 and work out to be only 50sen saving. Not going to bother. You need to invest a lot for the 0.5% saving to cover for petrol and parking, and still have balance.

32 yo only going with 60:40 equity:bond. Can be more agressive like 70:30 or 80:20 as u still young. I'm 48 yo and still going with 60:40

Most bond funds have 0% sales charge. No use buying bond for new member benefit. Why not use RSP to average the cost over 6 months with 1% sales charge instead?

This is good opportunity. Continue with monthly VCA would get you good return when market is back to normal.

Don't consider, just invest. It is one of the best performing fund available on fsm.