My benchmark is EPF. My multiyear annualised return is only 5.4% currently, but I messed up on some investment decisions before lar...

I think aim 10%+/- would be realistic.

Shanghai index quite low, should be good to go in now

Holding.

My equity funds 60/40 FI funds

Inside the 60, 33.8% in EIGEM.

So, effectively 20.28% of my FSM portfolio.

Quite large holding in China stocks.

Harlow...EI small cap is Malaysia fund lar!

This post has been edited by Pink Spider: Feb 26 2014, 11:38 AM

Don't over-do UT transactions.

U can either hold...or sell the outperformers and top up on the "losers"

A lot to consider

My topping up pattern...e.g. RM100 into RHB-OSK GEYS AND RM100 into EIGEM

Over (some) time...my portfolio would be roughly 40% developed 60% GEM

See my pie:
https://forum.lowyat.net/index.php?act=Atta...post&id=3841391

SEA is Southeast Asia other than M'sia and Singapore
BRI & Other EMs - Brazil, Russia, India and other Emerging Markets, basically all European countries that EIGEM invest in I consider as EM

This post has been edited by Pink Spider: Feb 26 2014, 12:09 PM

I follow Fullerton Global Equities' allocation, cos Japan is considered FULLY developed market.

Topped up RHB-OSK GEYF today

Gold and General? Those who bough on Initial Offer are still cursing it

Those familiar with UTs should know, UT companies like to launch sector-specific funds when that sector is red-hot...which means...BUBBLE!

oi u GUYS, off topic dah!

Kaka is a guy

Semua Bolehland jaguh kampong funds

Why, phobia of imported stuff?

Russia is only peacekeeping...who say invasion?

US mind your own biznes better la

About 20% only

Heavy MALAYSIA only...both Kenanga Growth and EI smallcap is 100% Bolehland

Bro u need to understand what is unit trust...

There is no guaranteed ROI!

U invest, i.e. give RM1,000 to unit trust fund manager
He use the money to invest in shares, bonds, money market instruments...
THERE IS NO GUARANTEED PROFITABILITY IN INVESTING!

If u meant ROI calculation of u invest RM1,000 now and RM100 every month for the next 11 months...this is how I do it, spreading the capital outlay over the period:

Gain/(Loss) / (Capital at beginning of period + (capital invested during the year)/2)

E.g.
U total invested RM2,100 (RM1,000 now, RM100 for next 11 months)
After 12 months your fund value is RM2,420
Profit: RM320

ROI
= RM320 / (RM1,000 + (RM1,100/2))
= 20.64%

This post has been edited by Pink Spider: Feb 28 2014, 09:48 AM

Don't call it "interest", interest is something like guaranteed, profit from UT investing is not guaranteed; in fact, it is volatile.

RM320 I quoted is just an example to illustrate my calculation.

The ROI calculation I shown just now is not that systematic, if u wanna go anal and be more accurate, this is how I do it:

RM320 / (RM1,000 + (RM1,100 x 0.5/12))

The blue part is based on assumption that the RM1,100 u deployed on month 12 (let's assume u invest in mid-Dec) has only half a month to do its "work" to generate return for u.

I don't really like ROI, I prefer IRR calculation; IRR takes care of different timing of your investments made.

Go bottom Post #1 for the worksheet for IRR calculation.

And go Google meaning of IRR.

This post has been edited by Pink Spider: Feb 28 2014, 10:20 AM

Don't bother with savings plans with ANY banks/insurance companies.

U can generate better returns yourself if u put in some reasonable level of effort from UT investing and/or stock investments.

If u want insurance protection, go buy a standalone insurance policy. Don't bother with savings plans.

BUY TERM, INVEST THE REST