yea.. u take back the money u put, but the % return over 10-20yrs is not worth it.

my believe, insurance coverage will go up year on year. But you just pay a fixed amount every year for a duration of time. So how to cover the insurance charges that is increasing? So they will take the savings portion of it to pay for it.

Hence, end of the 20 yrs, u see a mere return or worst maybe no return...

that is my view on insurance savings plan, not expert here. If my concept is wrong, do enlighten me...

haha which fund did you purchase on and still at -0.2?
sorry im still newbie, are you gonna sell it if it shoots to positive, say +2 or +3?

haha okay, meaning to say ure not planning to sell anything in the near future.
hmm what do u do with the profit u earn (if there is any from interest)? do u add to the principal? or u take and use for personal?
i see. hmm, but when do u think is the best time to sell? when it shoots up high?

WHY U SO ANAL

Equity: 67%
FI: 18% (including REIT)
PRS: 15%

My P&L also got from current holdings and disposed holdings...want me to count them all...CAN! U treat me beer 1st

Because it has the region and % of coverage that i liked for that portfolio.
the regions covered has high potential

i see, does it mean when it already peaked, i need to switch this fund to something else? and if so, what would the next fund may be good to go for?   

oi bro u mabuk so early ar? GEYF 80% in developed markets of which 40%+ is invested in US, whereas Quantum is 100% Asia.

Such an unusual thing to see both US Stock market and gold rise same time recently...usually both of them relationship is inversely with each other...

Capitals flock from Europe and Emerging markets it seems...if tension in ukraine keeps notching up a higher level we may see Dow Jones Index at its highest point somewhere starting 3rd week of March 2014 follow by a panic selling the week after...

Holding, bro!

cannot really see much and the results may vary widely on similar FI:EQ ratio
what is in the FI and what is in the EQ does make a big different and also when it was held could enhance the differences too.

Profit contribution
Bond funds: 21.56%
Equity funds: 42.01% (22.53% contributed by RHB-OSK Global Equity Yield, 9%+ by Hwang Asia Quantum and 9%+ by Hwang Global Financial Institutions, now dumped)
Mixed assets: 36.43% (36.2% contributed by Hwang Select Income. My IRR from this fund was 10.51% yo But luckily I dumped all before the slump of bonds )

Hwang Select Income and OSK-UOB KidSave. Now dumped both funds already.

Told ya I don't differentiate between realised and unrealised, modern accounting treats profit as profit, loss as loss, realised or unrealised is irrelevant

You have not been reading your fund annual reports

Now ALL goes to equity, though there is disclosure of how much is realised and how much is unrealised for the year.

I don't calculate average cost, ROI, profit(loss) from each disposal; I only keep track of OVERALL profit/(loss) and IRR.

E.g.
Buy (1000)
Buy (100)
Buy (100)
Sell 250
Buy (150)
Sell 300
Valuation today 1000

Profit = 200

why I cant see ur thumbnail? u took it off?