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 Fundsupermart.com v3, Manage your own unit trust portfolio

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SUSPink Spider
post May 30 2013, 10:35 AM

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QUOTE(yklooi @ May 30 2013, 10:29 AM)
aiyah...u akauntan mah...can use excel set some formulas and do marco formating....
key in, key in, key in then press ENTER = answer liao.

hmm.gif anyway is this a better way??? monitor how much your portfolio growth and how much EACH fund performance against target / against other funds in the porfolio.
just like you are the BIG boss of a group of companies...monitor how much your asset growth and how each company made $$ ...the company that made least $$...you put in more $$ to make it earn more.

btw, why limits to 7%? minimun 7% should be better right?
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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...

Just like if u let your cavalry run too far, later enemy ambush them, your archers and infantries too far behind to back up laugh.gif

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

This post has been edited by Pink Spider: May 30 2013, 10:39 AM
SUSPink Spider
post May 30 2013, 10:44 AM

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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.
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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
SUSPink Spider
post May 30 2013, 10:48 AM

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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?
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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
SUSPink Spider
post May 30 2013, 11:47 AM

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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
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Where's your common sense? Still wanna lift this "laggard"? tongue.gif
SUSPink Spider
post May 30 2013, 01:31 PM

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QUOTE(bios @ May 30 2013, 01:21 PM)
i know sure the fund will fluctuate, but any clues is this going to be prolonged? for months?
i have the intention to cut loss and switch into Ambond
what do you think?
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This I cannot comment, I don't really read much into Asia REITs.
SUSPink Spider
post May 30 2013, 01:32 PM

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QUOTE(TakoC @ May 30 2013, 12:56 PM)
Cause I don't always keep track of my holding. It's easier to just calculate my exposure using invested amount as my basis of calculation. Not like a lot of sifu here. So up-to-date *salute*
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How many funds u have? 10? 20?

Just spend a few minutes can update...if u not that hardworking, update once a month not too much what? tongue.gif
SUSPink Spider
post May 30 2013, 01:34 PM

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QUOTE(yklooi @ May 30 2013, 12:47 PM)
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
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U wanna reduce or boost your overseas equity? HSBal is 100% MY equities, ZERO foreign, are u aware of that?
SUSPink Spider
post May 30 2013, 01:36 PM

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QUOTE(TakoC @ May 30 2013, 01:35 PM)
Sifu Pink don't make fun of me lar. I'm the most newbie in this thread.

dusk dust investor  yawn.gif
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I'm also a grammar nazi tongue.gif

If u have a proper worksheet, just a few minutes enuf to update your portfolio valuation.
SUSPink Spider
post May 30 2013, 01:38 PM

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QUOTE(TakoC @ May 30 2013, 01:37 PM)
I think what he meant was that he's planning to go through HSBal AND THEN switch to SAQ.

He didn't take into consideration other factors it seems.
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Wah...Unker Looi so pandai take advantage of lubang ph34r.gif brows.gif
SUSPink Spider
post May 30 2013, 02:49 PM

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QUOTE(nothingz @ May 30 2013, 02:36 PM)
Hi,

The recent announcement of lowering sales charges is truely a joke. With 0.5% sales charge for equity and balanced funds, capped at minimum of $10, it would mean if i top up $200 on existing funds, my sales charge will be 5%. It means those small investors can go away, FSM only wants to deal with those rich ones.

I know your reply will quote 0% SC on RSP but why do you want to limit your investors to RSP every month at 8th while they can decide on their lucky day to invest with SC 1% is still acceptable.

A small investor like me does not agree on the new pricing structure which will ultimately eat me up through the sales charge no different than Public Mutual.

Dont reply me quoting RSP kind of BS which i already know, saving on paperwork and drive away small investor are your ultimate goals.

Thank you for upsetting your customer.

Xxxxx
My email to them
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Come back to FSM Malaysia lo biggrin.gif
SUSPink Spider
post May 30 2013, 03:00 PM

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QUOTE(nothingz @ May 30 2013, 02:55 PM)
It may just be a matter of time before they introduce it in Mys
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RM10 is 2% of RM500

Then I'll top up every 3 months instead of monthly lo
SUSPink Spider
post May 30 2013, 03:20 PM

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QUOTE(nothingz @ May 30 2013, 03:03 PM)
RM500 cannot buy timing
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u wanna time the market, u buy warrants whistling.gif
SUSPink Spider
post May 30 2013, 03:21 PM

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QUOTE(yck1987 @ May 30 2013, 03:10 PM)
rclxms.gif  I TOTALLY agree with you. With the new Sale Charges minimum chargeable amount of $10 which mean that we have to topping up at least $2000 (0.5% SC = $10) per fund basis to get the benefit of the new changing. How many of us can topping up at fund at 2k each / transaction? If like this I probably will switch back the equity fund to FSM MY.  doh.gif
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Only keep Aberdeen Global Opportunities, the rest all switch back to FSM Malaysia biggrin.gif
SUSPink Spider
post May 30 2013, 03:27 PM

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My local stocks green green biggrin.gif
SUSPink Spider
post May 30 2013, 03:31 PM

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QUOTE(yck1987 @ May 30 2013, 03:28 PM)
I will kept them first. Wait any solution from them if not just go into RSP plan.
All my fund holding in FSM MY go upside after today update of NAV. Biggest gain G&G fund 3.77% , still heart bleeding lol  shakehead.gif
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Overall still red how much?
SUSPink Spider
post May 30 2013, 03:39 PM

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QUOTE(yck1987 @ May 30 2013, 03:33 PM)
-19.88%  cry.gif 
another reason is weakening of ringgit today causing the foreign fund went up?
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Yes, forex movement can cause significant valuation movement
SUSPink Spider
post May 30 2013, 04:23 PM

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QUOTE(yklooi @ May 30 2013, 03:51 PM)
yes,..wanna keep for 1 week to let FSM settle before i switch to HSAQ.
thks for reminding
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Thanks for the tips brows.gif
SUSPink Spider
post May 30 2013, 04:28 PM

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QUOTE(jerrymax @ May 30 2013, 04:27 PM)
waseh.. 4.30 liao asia pacific indices all ang ang
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1 month loss less than 2%, not yet critical la
SUSPink Spider
post May 30 2013, 08:52 PM

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QUOTE(David83 @ May 30 2013, 08:10 PM)
Several Hwang funds declared distributions.

Should I consider Hwang Select Opportunity Fund?
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HwangIM flagship fund and one of their top performer, certainly highly recommended fund
SUSPink Spider
post May 30 2013, 09:46 PM

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QUOTE(Kaka23 @ May 30 2013, 09:00 PM)
how is everyones portfolio today? tongue.gif
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IRR back to above 6% biggrin.gif

For those who think that it's low, bear in mind I screwed up big time during 2010, now it's recovery time tongue.gif

This post has been edited by Pink Spider: May 30 2013, 09:47 PM

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