Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
126 Pages « < 7 8 9 10 11 > » Bottom

Outline · [ Standard ] · Linear+

 Fundsupermart.com v3, Manage your own unit trust portfolio

views
     
ben3003
post May 30 2013, 10:39 AM

10k Club
********
All Stars
10,859 posts

Joined: Jan 2003
From: Sarawak


QUOTE(Pink Spider @ May 30 2013, 10:35 AM)
I know what u mean, but this has a drawback...

Let's say I started with HSAQ as 20% of my portfolio, Kenanga Growth as 30%, KidSave as 50%

But HSAQ grows SO FAST that it grown to be 40% of my portfolio, which means that my portfolio exposure to small caps has increased DOUBLE, which is not what I wanted at the first place.

My portfolio approach has been "lift the laggards, keep the winners". If u let the winners run too fast/too far, if one day it falls, u will be hit hard...

Not limit 7%, is target 7%. If actual is 9%, I'd not top up, just leave autopilot. If actual is 6%, I'd top up the shortfall 1% by cash icon_idea.gif
*
if the runner keep running out of prediction, still wanna lift the laggards if the laggards keep lagging? Sometimes i believe sometimes common sense have to kicks in.
SUSPink Spider
post May 30 2013, 10:44 AM

Formerly known as Prince_Hamsap
********
Senior Member
16,872 posts

Joined: Jun 2011


QUOTE(ben3003 @ May 30 2013, 10:39 AM)
if the runner keep running out of prediction, still wanna lift the laggards if the laggards keep lagging? Sometimes i believe sometimes common sense have to kicks in.
*
Help A BIT lor...

E.g.
Start A 1000, B 1000
Later A 1300, B 950
I'd top up 175 on B to bring it CLOSER to A, i.e. add 1/2 support. I won't bring it up to A's level exactly.

This post has been edited by Pink Spider: May 30 2013, 10:44 AM
SUSyklooi
post May 30 2013, 10:45 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Pink Spider @ May 30 2013, 10:35 AM)
My portfolio approach has been "lift the laggards, keep the winners".
*
hmm.gif hmm.gif cannot keep on lifting the laggards....just like cannot keep on putting $$ in to a company to made it perform better.....
look for another company that can perform better?
SUSPink Spider
post May 30 2013, 10:48 AM

Formerly known as Prince_Hamsap
********
Senior Member
16,872 posts

Joined: Jun 2011


QUOTE(yklooi @ May 30 2013, 10:45 AM)
hmm.gif  hmm.gif cannot keep on lifting the laggards....just like cannot keep on putting $$ in to a company to made it perform better.....
look for another company that can perform better?
*
small caps historically able to give up to 10% annual returns, whereas large caps somewhere 6-7%. If u do nothing to "support" the large caps in your portfolio, just a matter of time before your portfolio eventually overwhelmed with small caps sweat.gif

U just cannot expect Guinness to grow at same pace as a small start-up enterprise
TakoC
post May 30 2013, 10:58 AM

Look at all my stars!!
*******
Senior Member
2,081 posts

Joined: Mar 2012
QUOTE(Kaka23 @ May 30 2013, 10:25 AM)
No right or wrong bro.. just topup using gut feel, hehe... end of the day it is long term ma. And target total portfolio need to achieve 7%pa like your target.

Still got 6 months till end year, if your 7% still far away, maybe topup on you think more aggressive equities. tongue.gif
*
My IRR stuck at ~8%. I have no idea how to make them increase anymore. Mainly in small caps.
Kaka23
post May 30 2013, 11:04 AM

Look at all my stars!!
*******
Senior Member
8,259 posts

Joined: Sep 2009


QUOTE(TakoC @ May 30 2013, 11:58 AM)
My IRR stuck at ~8%. I have no idea how to make them increase anymore. Mainly in small caps.
*
haha.. move more to equities and focus asia ex japan.
TakoC
post May 30 2013, 11:07 AM

Look at all my stars!!
*******
Senior Member
2,081 posts

Joined: Mar 2012
QUOTE(Kaka23 @ May 30 2013, 11:04 AM)
haha.. move more to equities and focus asia ex japan.
*
I just gonna leave my SAQ on auto-pilot now. Will be topping up PGSF today smile.gif
SUSPink Spider
post May 30 2013, 11:47 AM

Formerly known as Prince_Hamsap
********
Senior Member
16,872 posts

Joined: Jun 2011


QUOTE(TakoC @ May 30 2013, 11:07 AM)
I just gonna leave my SAQ on auto-pilot now. Will be topping up PGSF today smile.gif
*
Where's your common sense? Still wanna lift this "laggard"? tongue.gif
nothingz
post May 30 2013, 11:57 AM

6 Stars General
*******
Senior Member
2,757 posts

Joined: Jan 2007


fsm sg is trying to kill all the small fishes. now the sales charge for equity or balanced funds are at 0.5% min $10 means top up $100 = $10 sales charge (10%). however prospectus capped it at 5% max means $5 =5% sales charge if you top up $100. as if we can top up in thousands everytime and every fund.

any comment from sifus here?
Kaka23
post May 30 2013, 12:01 PM

Look at all my stars!!
*******
Senior Member
8,259 posts

Joined: Sep 2009


QUOTE(nothingz @ May 30 2013, 12:57 PM)
fsm sg is trying to kill all the small fishes. now the sales charge for equity or balanced funds are at 0.5% min $10 means top up $100 = $10 sales charge (10%). however prospectus capped it at 5% max means $5 =5% sales charge if you top up $100. as if we can top up in thousands everytime and every fund.

any comment from sifus here?
*
oh.. really!?? hope FSM MY wont be following them la...
SUSyklooi
post May 30 2013, 12:11 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(nothingz @ May 30 2013, 11:57 AM)
fsm sg is trying to kill all the small fishes. now the sales charge for equity or balanced funds are at 0.5% min $10 means top up $100 = $10 sales charge (10%). however prospectus capped it at 5% max means $5 =5% sales charge if you top up $100. as if we can top up in thousands everytime and every fund.

any comment from sifus here?
*
hmm.gif try topping up S$200 lor...
200X5%=10
Kaka23
post May 30 2013, 12:14 PM

Look at all my stars!!
*******
Senior Member
8,259 posts

Joined: Sep 2009


QUOTE(yklooi @ May 30 2013, 01:11 PM)
hmm.gif try topping up S$200 lor...
200X5%=10
*
wah.. 5% still alot lei if top up SGD200. Might as well buy from banks, still can see leng lui or yumcha with them... ahhaha
SUSyklooi
post May 30 2013, 12:19 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Kaka23 @ May 30 2013, 12:14 PM)
wah.. 5% still alot lei if top up SGD200. Might as well buy from banks, still can see leng lui or yumcha with them... ahhaha
*
i think sometimes some "bigger" businesses prefer the small fishes to go elsewhere, the ROI to cater for the smaller fishes is not there and also the prestige and also maybe to provide some life lines to other competitors.
SUSyklooi
post May 30 2013, 12:21 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Pink Spider @ May 30 2013, 11:47 AM)
Where's your common sense? Still wanna lift this "laggard"? tongue.gif
*
On the surface, this strategy seems to be logical and easy to be implemented. However, when it comes to actual execution, many are unable to sell even when the price breached their tolerance limit. This is mainly due to the fact that to sell a stock at a loss is always much more difficult than selling at a profit. Psychologically, when we sell our stock holding at a loss, it means that we have to overcome our pride as we have to admit that we have made a mistake in purchasing it. In addition, many will also fear that after the stock being sold off, the price may appreciate again. Therefore, because of pride and fear of regret, a lot of investors will end up holding their stocks when the price goes down as they are still hoping for the price to go up again in the future.
got that from the web....
yck1987
post May 30 2013, 12:34 PM

Enthusiast
*****
Senior Member
808 posts

Joined: Apr 2009
QUOTE(nothingz @ May 30 2013, 11:57 AM)
fsm sg is trying to kill all the small fishes. now the sales charge for equity or balanced funds are at 0.5% min $10 means top up $100 = $10 sales charge (10%). however prospectus capped it at 5% max means $5 =5% sales charge if you top up $100. as if we can top up in thousands everytime and every fund.

any comment from sifus here?
*
I believe u got the wrong illustration

http://www.fundsupermart.com/main/research...?articleNo=8279

Equity funds (including Balanced funds) 0.5% sales charge, subject to a minimum of $10 per transaction[COLOR=blue]
SUSyklooi
post May 30 2013, 12:42 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(yck1987 @ May 30 2013, 12:34 PM)
I believe u got the wrong illustration

http://www.fundsupermart.com/main/research...?articleNo=8279

Equity funds (including Balanced funds) 0.5% sales charge, subject to a minimum of $10 per transaction[COLOR=blue]
*
$10 minimum of 100 invested = 10%?
SUSyklooi
post May 30 2013, 12:47 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


unsure.gif since my Eq portion of the portfolio are 85% M'sia eq....
will take this 1%sc promotion to buy into HSBal...then next week will switch into HSAQ.....if buy into hsaq directly is 2%sc

TakoC
post May 30 2013, 12:50 PM

Look at all my stars!!
*******
Senior Member
2,081 posts

Joined: Mar 2012
QUOTE(Pink Spider @ May 30 2013, 11:47 AM)
Where's your common sense? Still wanna lift this "laggard"? tongue.gif
*
Is it because of what I said that I will be selling it off, not for long term?

Actually it's to raise my exposure in equity. I'm currently 80/20 invested (calculated based on amount invested, not current value).
jerrymax
post May 30 2013, 12:52 PM

Casual
***
Junior Member
310 posts

Joined: Oct 2007


QUOTE(yck1987 @ May 30 2013, 12:34 PM)
I believe u got the wrong illustration

http://www.fundsupermart.com/main/research...?articleNo=8279

Equity funds (including Balanced funds) 0.5% sales charge, subject to a minimum of $10 per transaction[COLOR=blue]
*
Means all transaction be it top up 100sgd also chargeable $10 lor.
SUSyklooi
post May 30 2013, 12:54 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(TakoC @ May 30 2013, 12:50 PM)
Actually it's to raise my exposure in equity. I'm currently 80/20 invested (calculated based on amount invested, not current value).
*
why not use "current value"? icon_question.gif

126 Pages « < 7 8 9 10 11 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0236sec    0.14    6 queries    GZIP Disabled
Time is now: 4th December 2025 - 10:55 PM