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 Fundsupermart.com v5, Manage your own unit trust portfolio

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Michaelbyz23
post Mar 28 2014, 01:51 PM

Sarawak Maju Makmur
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4,546 posts

Joined: Jun 2009
From: Selangor / Sarawak / New York



QUOTE(yklooi @ Mar 28 2014, 12:38 PM)
hmm.gif
not only single country focused but also Small caps sector focused.....you high risk taker loh  notworthy.gif  notworthy.gif
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still young so its okay to take the risk smile.gif
what do you think? hehe.

btw i decided to put 80% into kenanga. maybe in one or two months later i consider 3rd fund. now is just my 2nd month in unit trust investing, 4th month working. sorry for my noobness!

This post has been edited by Michaelbyz23: Mar 28 2014, 02:38 PM
Michaelbyz23
post Mar 28 2014, 05:12 PM

Sarawak Maju Makmur
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Joined: Jun 2009
From: Selangor / Sarawak / New York



QUOTE(ccm123 @ Mar 28 2014, 05:10 PM)
Same, I just started working 5 months ago and my first fund was Kenanga - but then eventually I managed to get a relatively diversified portfolio with my equity exposure as below:-

Equities        % portfolio
Asia Ex Japan  23.1%
US                  14.0%
Europe          6.7%
Japan          4.3%
Malaysia          36.3%
Others          4.9%
Cash          8.7%
Total                97.8%
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wow.. you must be earning big bucks for your first job to be able to buy so many funds within short period of 5 months smile.gif awesome!
mind sharing what unit trusts specifically for each geographic u bought?
Michaelbyz23
post Mar 31 2014, 12:15 PM

Sarawak Maju Makmur
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Senior Member
4,546 posts

Joined: Jun 2009
From: Selangor / Sarawak / New York



QUOTE(yklooi @ Mar 31 2014, 11:40 AM)
may i suggest you read thru these 1st...before registering/opening an a/c.....
http://www.fundsupermart.com.my/main/faq/faq.svdo?id=8660

http://www.fundsupermart.com.my/main/schoo...d.svdo?PageID=1

and also

contents of page 1 of this threads.

happy investing...just try not to repeat my mistakes......most of them can be prevented after reading the above.
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yo unker looi, mind sharing what were your past mistakes that you inform newbies like us to avoid? notworthy.gif
Michaelbyz23
post Apr 2 2014, 10:28 AM

Sarawak Maju Makmur
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Joined: Jun 2009
From: Selangor / Sarawak / New York



today got record high.. my highrisk portfolio naik ~ biggrin.gif
Michaelbyz23
post Apr 3 2014, 10:22 AM

Sarawak Maju Makmur
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From: Selangor / Sarawak / New York



wah happy happy, today naik again for my high risk malaysia portfolio rclxms.gif
topped up abit hehe. icon_rolleyes.gif
Michaelbyz23
post Apr 3 2014, 12:42 PM

Sarawak Maju Makmur
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From: Selangor / Sarawak / New York



QUOTE(Kaka23 @ Apr 3 2014, 11:45 AM)
What funds consist of your MY high risk portfolio?
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kenanga growth fund
eastspring small caps investment thumbup.gif

what about yours?
Michaelbyz23
post Apr 4 2014, 09:53 AM

Sarawak Maju Makmur
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From: Selangor / Sarawak / New York



today my portfolio market naik again! wahh.. really awesome..

@pink spider, how come u never top up for 2 months dy?
Michaelbyz23
post Apr 4 2014, 10:05 AM

Sarawak Maju Makmur
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Senior Member
4,546 posts

Joined: Jun 2009
From: Selangor / Sarawak / New York



QUOTE(Pink Spider @ Apr 4 2014, 09:54 AM)
diverting my excess funds to stocks tongue.gif

plus, don't see opportunity to buy on dips
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ah i see. moving to next level of investment. rclxms.gif
nice nice. do you mind sharing your experience in buying stocks? so far return all good? what kind of companies are your no1 go-to? notworthy.gif
Michaelbyz23
post Apr 4 2014, 10:11 AM

Sarawak Maju Makmur
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From: Selangor / Sarawak / New York



QUOTE(Pink Spider @ Apr 4 2014, 10:09 AM)
see my LYN signature

My selection criteria:
- the stock must be consistently paying dividends
- zero/low debts
- cash-rich company
- the industry it is involved in is fairly simple to understand

My past 12-months total return from stocks are about 18% I think.
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owh nice nice.
so u invest in stable / lesser risk type of companies i see there. but the stock price must be quite pricey.
sorry for the newbie noobness. lol.
in a few years when i have higher pay i wanna start invest in stock as well. for now, i'll learn from UT.

thanks!
Michaelbyz23
post Apr 4 2014, 10:36 AM

Sarawak Maju Makmur
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Senior Member
4,546 posts

Joined: Jun 2009
From: Selangor / Sarawak / New York



QUOTE(Pink Spider @ Apr 4 2014, 10:15 AM)
only Nestle and Dutch Lady is "pricey"

Nestle RM60++ so 1 lot is RM6K++ sweat.gif
DLADY RM40++ so 1 lot is RM4K++ sweat.gif

The rest...even Maybank, 1 share is only RM9++ so u can invest in Maybank for as little as RM900++.

But u have to bear in mind the transaction costs (brokerage fee, stamp duty, clearing fee). The broker I use charge RM10 min. per transaction. E.g. I buy 2 lots of Maybank (assume at RM9.50), I'd incur RM10 + 57 sen + RM2 = RM12.57

So, transaction costs as % of value transacted:
RM12.57 / RM1900 = 0.66%

Now, who said shares are "expensive"? wink.gif
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haha.. taht is alot of money youve got there bro smile.gif
to be able to invest the diversified portfolio as we can see on your signature, requires alot of $$ and high income for the commitment.
but i dont quite understand the charges on maybank side. rm10 + 57 sen + rm 2 what is the red highlighted amount about again?
Michaelbyz23
post Apr 4 2014, 10:44 AM

Sarawak Maju Makmur
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Joined: Jun 2009
From: Selangor / Sarawak / New York



QUOTE(Pink Spider @ Apr 4 2014, 10:38 AM)
Clearing fee 0.03%
Stamp duty RM1 for every RM1K transacted (e.g. u buy RM1,900 worth of shares, stamp duty = RM2)

I'm old uncle already...working so many years already sure got saved a bit money ma
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owh i see, the stamp duty. okay, got it now.

haha, old but tech savvy and know how to invest to grow more green leaves. good ma. thumbup.gif
oh ya off topic abit, when you first started off, assuming maybe 15 years ago (just a wild guess), how much % of your net income goes into investment? and how did the % go up from the day you started till today? maybe from 50% to now 80%?
Michaelbyz23
post Apr 4 2014, 10:52 AM

Sarawak Maju Makmur
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Senior Member
4,546 posts

Joined: Jun 2009
From: Selangor / Sarawak / New York



QUOTE(Pink Spider @ Apr 4 2014, 10:49 AM)
When I first started working my salary is only RM1.6K, I started with UT investing, RM100 a month without fail. And I dump large bulk of my annual bonus into investments
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ah i see..
will follow your footstep unker. smile.gif very good piece of advice here.
im just started working about 5 months ago, still fresh and know nothing much. good thing i lurk into finance/business sub forum and found this thread.
Michaelbyz23
post Apr 4 2014, 03:27 PM

Sarawak Maju Makmur
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From: Selangor / Sarawak / New York



QUOTE(azrash @ Apr 4 2014, 03:09 PM)
Ikut this unker
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so, how long do we typically keep our funds in ut before withdrawing out and invest on smthing else? 5 years max? 3 years?

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