Modern Portfolio Theory, Asset allocation for Malaysians
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 May 28 2013, 11:58 AM
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#1
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Senior Member
8,188 posts Joined: Apr 2013  
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QUOTE(JohnL77 @ May 27 2013, 03:08 AM) Hi, wondering if there's any asset allocation thread. Complete investment newbie here, would like to hear how you implemented your "lazy portfolios". you could try thisCheers, John L  https://www.fundsupermart.com.my/main/inves...ntportfolio.tpl? |
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May 28 2013, 05:05 PM
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#2
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Senior Member
8,188 posts Joined: Apr 2013
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QUOTE(JohnL77 @ May 28 2013, 04:07 PM) yklooi: Is fundsupermart the best way to buy financial assets? Are there ways to buy without incurring sales charge? Btw, nice link man. Btw guys, what do you think of Private Retirement Schemes in Malaysia? Are they any good? Do we have tax-deferred accounts like 401(k) in the US? Why tax deduction for EPF+Life Insurance capped at RM6000 and PRS capped at RM3000? Don't you think we're being screwed over a bit even though we can save 23% of our income with EPF scheme?  Is FSM the best way?... i am NOT sure,..but it is good enough for me at this moment, lower SC (compared to banks or Investment mgmt house), easier to monitor my portfolio, vast info on the website,..etc without incurring SC? i think there are some that dun't charge entrance fees, but only on exit.he-he.some bonds funds are without SC...(i think bonds are considered as financial asset too) there are certain condition surrounding the PRS... read http://www.ppa.my/index.php/how-prs-works/faqs-on-prs/ especially Q13 i think the caps are to prevent those with some surplus $$ to "avoid" being taxed more....govt needs taxes to operate. This post has been edited by yklooi: May 28 2013, 05:21 PM |
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May 28 2013, 07:05 PM
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#3
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Senior Member
8,188 posts Joined: Apr 2013
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QUOTE(JohnL77 @ May 28 2013, 06:07 PM) But, what about online brokers? This post has been edited by yklooi: May 28 2013, 07:06 PMtry goggle "malaysia online brokerage?" What's your opinion on foreign currency exposure? I think the ringgit might strengthen against the dollar in the long-term, like 30 years. How ar? try asking,...investhelp.my@fundsupermart.com About that bond fund, how to calculate the costs? I saw management fee - 1%, expense ratio - 1.05%. That means the total expenses is 1.05%? The average return is 4-5%. Minus expenses you get - 3-4%. If inflation is 2 percent, you only get half. the NAV is nett asset value...it is what u get to see after deducting the expenses, (in this case the 4~5%)....see.... 1st post...click on #4 https://forum.lowyat.net/topic/2827378 And the price is about RM1.2? How to calculate the yield? try asking,...investhelp.my@fundsupermart.com |
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