Fundsupermart.com v5, Manage your own unit trust portfolio
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 Jan 23 2014, 11:41 AM
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#21
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere  
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QUOTE(Pink Spider @ Jan 23 2014, 11:21 AM) u opportunist UT player U not meh?  If hot charboh or lelong value equities appears in front of U, U also opportunist too mar  Unless too blur / dumb like me lar |
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Jan 23 2014, 01:01 PM
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#22
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(TakoC @ Jan 23 2014, 11:45 AM) UT and stock different No difference leh - value is value in eyes of beholder  |
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Feb 13 2014, 04:23 PM
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#23
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(ccm123 @ Feb 13 2014, 03:57 PM) Hello People, Not sifu here, just poking around ar and overview thoughts.Say I have 5k start up capital, I am aiming for the portfolio below and I would like to know what are your feedback on these? Target:- - Equity: Bond (70:30) - Geographical: 1/3 in Global/DM, 1/3 in Malaysia, 1/3 in Asia Ex Japan Portfolio that I gathered: Bonds:- - Malaysia/APAC: Amdynamic Fund = 20% of my capital - Hwang Select Income fund (70% FI, 30% Equities) = 20% of my capital This brings my net FI exposure to 33% of my total investment. Equities:- - Malaysia: Kenanga Growth Fund = 20% of my capital - Asia Pac/EM Equity: AmAsia Pacific Equity Income (Tentatively) 20% capital - Global/DM: Either 1) RHB-OSK Global Equity Yield Fund 2) RHB-OSK-GS US Equity Fund 3) CIMB-Principal Global Titans Fund 4) Aberdeen Islamic World Growth If I allocate 20% of my capital to each region above that would bring my net equity exposure to 67%. In terms of geographical allocation it would be, the estimated geographical allocation based on my capital would be:- Global/DM - 20% Malaysia - 36% Asia ex Japan - 44% So here's where I may need some advice on:- 1) How does the overall portfolio look in terms of my TARGET equity bond allocation and geographical allocation to my current portfolio above, i.e is the deviation too big? 2) I find it difficult to decide what APAC/EM equity or Global/DM equity to invest, anyone with any recommendation? For Global/DM funds, personally I think CIMB-Princial Global Titans fund seems quite good but the yield for RHB-OSK US Equity Fund seems to be the highest amongst the 4 choices listed above, still don't know which one to choose from  I am slowly building my portfolio and hope you guys can help shed some opinions on what you think of my current portfolio. Spent days trying to look for what portfolio and funds are suitable for me lol. Thanks sifus!  Thought 1: Fixed Income & EPF Your basic asset allocation here is 1/3 Fixed Income Vs 2/3 Equities. Assuming you're under employment with EPF contribution, is this AFTER taking into account of your EPF? In my humble opinion, EPF behaves like bond funds (returns) thus personally, i treat my pile in EPF as part of my total "Fixed Income" Thought 2: Equities - simplify & Asia exJP has KLCI stocks? a. Micro-managing in terms of Asia, Global or Developed Markets, Malaysia etc. VS simplified: Developed Markets & Emerging Markets IMHO, some Asia funds hold MY stocks AND some Asia or even ASEAN funds hold developed markets like SG, South Korea, etc. It can get pretty hard to sort things out as we break things down from DM & EM --> Area Grouping --> Country specific b. Some Asia or ASEAN or EM funds also holds MY stocks thus.. again, one may be having more exposure to a specific country than one thought. c. Again, assUming that U are employed with EPF contribution - later, when U if take from EPF A/C1 to invest, those approved funds are currently MY focused funds with maximum foreign exposure UP TO 30% only. Usually 100% MY focused. Thus, U may want to be aware of this possible impact to your overall asset allocation & fund (or ETF) choices with your cash investments. Generally IMHO, good thought going into the 1/3 Fixed Income Vs 2/3 Equities. U may have already taken into account of the thoughts above and if U have great, please ignore my 2 cents  Just sharing what i personally went through earlier |
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Feb 18 2014, 04:26 PM
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#24
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(xuzen @ Feb 18 2014, 01:45 PM) Last I check ETF in M'sia suffers from low liquidity, has the situation changed? Personal experience: CIMBC25 & CIMBA40 - no liquidity issues for small fries like me, where max buy/sell is only RMxxK.In Bolehland, the most cost effective is to be UTC agent yourself to reduce cost. Xuzen For RMXXXK, will share if i ever get there with these two (instead of bailing for URTH, VEA, EEM, etc all on US ARCA) Just sharing |
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Feb 20 2014, 12:33 PM
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#25
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(Pink Spider @ Feb 20 2014, 11:54 AM) Top up, but not in a rush. you're learning the same way i did - palm to head methodology Last time I drop a bit, top up, drop a bit, top up, then it reached a point when I ran outa ammo and the losses freak me out.  drops: remember.. 10%+/- is around once a year 20%+/- is like a correction, once in a few years >=30% is like holy heck, once in a blue moon >80% is fun.. if one has enough ammo to sai lang and yet hold 3 to 5 years Just a thought |
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Mar 6 2014, 07:45 PM
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#26
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(Pink Spider @ Mar 6 2014, 07:43 PM) Beware...fund houses like to launch new funds when the sector is red-hot...bubble...remember OSK-UOB Gold and General? Remember PubMut's infamous PCSF?  |
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Mar 8 2014, 08:53 AM
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#27
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(Pink Spider @ Mar 7 2014, 11:17 PM) If bring ppl go home...3am Strangers @ home (theirs / yours)? dangerous lar Pink Best is hotels nearby walking distance mar - no drunk driving + safer sorry off topic.. So yeah - anyone getting scaredy cat on S&P hitting highest now? Lelong value thus far to me is still Russia, China & India |
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Mar 8 2014, 04:43 PM
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#28
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(Pink Spider @ Mar 8 2014, 04:38 PM) Not counselling...but alcohol therapy 12 steps bro, 12 steps  i need something like that for hot chicks addiction |
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Mar 8 2014, 05:08 PM
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#29
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(Pink Spider @ Mar 8 2014, 04:43 PM) apa...tu? Alcoholic Anonymous' 12 steps to recovery  .Investing & trading also has similar too |
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Mar 20 2014, 10:02 AM
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#30
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(TakoC @ Mar 20 2014, 08:24 AM) Anyone still consistently topping up for the past 1-2 months? i do every quarter - value averaging No more market shock.. No opportunity to top up.. Waiting for correction (heck, who knows when)... dont let fear & greed come into this portion of play (programmatic approach). only let fear & greed play FOR me in direct value investing & trading |
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Mar 24 2014, 03:31 PM
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#31
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(TakoC @ Mar 24 2014, 03:27 PM) Don't want to chase something that is already hot.. From my own tracking - Russia, Brazil, China & India as a whole (BRICs) is still comparatively below their median indices for 6 years+/-.Not my fault for your +gains or -losses yar, just my own tracking and buying distressed |
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Mar 24 2014, 04:00 PM
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#32
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(Pink Spider @ Mar 24 2014, 03:54 PM) Aiyo, Wong Seafood is asking u to buy moar BRIC lar...nothing to do with gold Yup spot on, though my bad - shdn't have jumped into a "conversation" just like that. wongmunkeong, ada betul?  Mis-communication is always the responsibility of the "idea sender", not "recipient" |
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Mar 26 2014, 12:49 PM
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#33
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(Michaelbyz23 @ Mar 26 2014, 11:51 AM) Hmm, after reading back a few posts, i realized i have been doing it wrong. market has been going up and i have just topped up yesterday. if i thought that in 2010 (after 2008 down, 2009 climbing, and 2010 STILL climbing)so, lesson is top up whtn we see negative? i would have to slap myself silly Look at value VS history +other factors like your own asset allocation plan & yearly investment plan/resources, not just yesterday/last year prices eg. just because something went down, doesn't mean it's of good value (yet) just because something went up, doesn't mean it's not of good value / over paying (already) This post has been edited by wongmunkeong: Mar 26 2014, 12:50 PM |
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Mar 28 2014, 01:10 PM
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#34
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(TakoC @ Mar 28 2014, 01:05 PM) Was just looking at the graph of all the major indexes. It's scary to see.. Market will crash, and I just hope that my bond fund will be able to cushion some of the shocks.. there were a few fellows in 2011 & 2012.. hehehNo one here is selling to anticipate the crash I suppose.. well, they'll be laughing when it happens - only issue is WHEN will it happen and if it's like another 3 to 5 years down the road, the "opportunity loss" VS loss in future may be another ouch .i'm one of those with no crystal balls - thus asset allocation lor |
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Apr 6 2014, 06:45 AM
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#35
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Elite
5,608 posts Joined: May 2011 From: Here, There, Everywhere
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QUOTE(max_cavalera @ Apr 5 2014, 11:19 PM) Anyone using HongLeong e-broking? hows the service? good? me, service - good efficient response & execution but system on occasions (blue moons) hiccups usually before or after KLCI hours (more so than MBB's which i used to use). er.. isn't this thread / topic about FSM? |
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