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 Fundsupermart.com v5, Manage your own unit trust portfolio

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SUSPink Spider
post Nov 22 2013, 10:32 AM

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QUOTE(Kaka23 @ Nov 22 2013, 07:37 AM)
aiyoyo.. us treasurt 10year yield already 2.78. selling amdynamic ka?
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Too late already, unless u think another asset class can outperform MYR corporate bonds.
SUSPink Spider
post Nov 22 2013, 09:35 PM

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QUOTE(David83 @ Nov 22 2013, 06:48 PM)
When fund is not performed as per your expectation, emotion drive will sure happen unless you want to let it auto-pilot.
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I learnt this lesson and went thru this with Pacific Global Stars, happy that I persevered and kept faith biggrin.gif

Funds that I gave up after prolonged underperformance:
Eastspring Investments Asia Pacific Shariah
AmAsia Pacific REITs
blush.gif
SUSPink Spider
post Nov 23 2013, 12:11 PM

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QUOTE(TakoC @ Nov 23 2013, 11:28 AM)
Pacific Global Star up September semi report is out today.
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Yes, updated my portfolio regional % with it, and US allocation went up. biggrin.gif

QUOTE(David83 @ Nov 22 2013, 09:45 PM)
Not OSK-UOB EMB? You're still holding this right?
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Still holding, not gonna dump my old holdings which attract no platform fee.
SUSPink Spider
post Nov 23 2013, 04:48 PM

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QUOTE(TakoC @ Nov 23 2013, 01:14 PM)
Saturday also switch on computer to update? So hardcore. Or working half day smile.gif
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Yes, I've no social life tongue.gif

QUOTE(Kinggnik87 @ Nov 23 2013, 04:02 PM)
Guys, I'm new here so need your help on this question that bothers me quite some time.

Usually how many percentage of your income will be in your unit trust investment a year??
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No hard and fast rule here.

Ppl with more disposable income will afford to invest more, and vice versa,

If u INSIST on a hard and fast rule, here goes:

Match your EPF contribution every month, i.e. 23% of your GROSS INCOME biggrin.gif
SUSPink Spider
post Nov 23 2013, 04:50 PM

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QUOTE(David83 @ Nov 23 2013, 04:09 PM)
But September is a little bit outdated right? I was hoping to get the October report. laugh.gif
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Hello...annual report will have to be audited...to be able to come out 2 months after year-end is already quite fast. shakehead.gif

Btw, OSK-UOB funds still have Sep-13 fact sheets only...October fact sheets many also haven't publish.
SUSPink Spider
post Nov 23 2013, 04:58 PM

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QUOTE(David83 @ Nov 23 2013, 04:54 PM)
I'm aware of annual report needs to be audited.

But I'm referring monthly report if there's any. This kind of report also needs to be audited too?

Sorry brother, I'm not from this industry. Pardon for my ignorance.
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Fact sheets are not audited. From my experience they (fund houses) typically publish it near the end of the subsequent month.

Audited accounts can take UP TO 6 MONTHS to be finalised u know sweat.gif doh.gif
SUSPink Spider
post Nov 23 2013, 05:49 PM

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QUOTE(TakoC @ Nov 23 2013, 05:48 PM)
When the sun sets, that's when u have life right? tongue.gif
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Yes, Everton vs Liverpool tonight flex.gif
SUSPink Spider
post Nov 25 2013, 09:20 AM

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QUOTE(guy3288 @ Nov 24 2013, 11:47 PM)
really bad timing i went in trying to benefit from my 30days 1% special fee.......As at today my portfolio showed a total loss of RM1115!! so damn fast dropping like that..........
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RM is meaningless...what about %?
SUSPink Spider
post Nov 25 2013, 10:34 AM

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QUOTE(pisces88 @ Nov 25 2013, 10:28 AM)
If rm1115 = 5% lost, i assume you invested rm20,000? seems like you didnt diversify your funds?

see long term ma.. if you still got funds then put in smmore, lower down the average cost  rclxms.gif
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Yeah, -5% is nothing, my portfolio once saw -25% tongue.gif
SUSPink Spider
post Nov 25 2013, 02:29 PM

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QUOTE(pinksapphire @ Nov 25 2013, 02:25 PM)
I think my threshold for funds would be to keep them for 6months to a year, depending...hard to say since it's performance-driven. When it goes up, you still wanna keep hoping it will keep rising. But if it goes down, you keep hoping it will rise again. Have to beat this mentality if wanna invest wisely, yes?

I'm not the sort that's into invest for a long period. I hope I can persevere with those I have in hand.

Pink Spider, you mentioned before about DCA. So it's just like topping up when prices seem low enough (and looking good to rise again) so that the price will be favourable over a period of time, is this correct?
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IMHO 6 months is too short.

Imagine u bought a fund during the slump of 2008-2009, and u dumped after a few months. Fastforward to 2013...you'd be cursing yourself.

Investing is for long-term, think at least 3 years and above.

DCA is about topping up FIXED AMOUNT on a regular interval regardless of what's happening.

I do VCA + monitor market, i.e. if market goes up strongly, I'd do nothong. If market crashes, I'd top up enough to keep my %s intact e.g. fund A from 20% of my portfolio dropped to 18%, I top up to make it become 20% again.
SUSPink Spider
post Nov 25 2013, 02:38 PM

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QUOTE(pinksapphire @ Nov 25 2013, 02:35 PM)
3 years...I guess if the returns are a lot better than FD, then it would be encouraging to keep them longer, hehe  nod.gif

Thanks for the clarification on the DCA and VCA...yes, you're right, one is fixed amount and another is not. How confident are you when you do the top up when market's down...like, you must really know what you're doing if you choose to keep buying eventhough it's down...yes?
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U cannot compare strictly to FD...FD is fixed...straight line...

But UT can be like...u loss money for 1 year...then nothing for 2nd year...then 3rd year fly up recouped all yr losses plus made profit
SUSPink Spider
post Nov 25 2013, 03:16 PM

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QUOTE(pinksapphire @ Nov 25 2013, 03:13 PM)
I understand...a bit jittery cuz this is my first venture into UT.
Wanted to try with that HSAO that you guys mentioned before, but lately I see that everyone's going away from it sweat.gif So have to find other choices.
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Build a portfolio, don't pick 1-2 funds and hope that it/they will make u a fortune

Pick a Asia ex-Japan fund, a (or maybe 2?) global fund, a Asia ex-Japan small-mid cap fund, and possibly an Emerging Markets fund.
SUSPink Spider
post Nov 25 2013, 03:19 PM

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QUOTE(gark @ Nov 25 2013, 03:15 PM)
The 'real' test will come to see if you dare to top up at -70%... whistling.gif
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Hope that I won't live to see such a day sweat.gif
SUSPink Spider
post Nov 25 2013, 05:03 PM

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QUOTE(TakoC @ Nov 25 2013, 04:56 PM)
*cough* PGSF *cough*  whistling.gif
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Also...Eastspring Investments Global Emerging Markets...u dunno how long I've been sitting in the red with this one...then suddenly shoot up, annualised returns of 8% p.a. rclxms.gif
SUSPink Spider
post Nov 25 2013, 05:44 PM

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QUOTE(yklooi @ Nov 25 2013, 05:12 PM)
jfi, the CIS recommended me to shift to this about 10% of the $$ when the opportunity comes
sweat.gif no?  sweat.gif
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GEM fund is China and Korea heavy...just follow Shanghai and KOSPI indices for guide on when to go in rolleyes.gif

This post has been edited by Pink Spider: Nov 25 2013, 05:47 PM
SUSPink Spider
post Nov 25 2013, 05:48 PM

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QUOTE(TakoC @ Nov 25 2013, 05:05 PM)
Later you know it drop back again. EI GEM roller coaster  laugh.gif
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Oi...that's 35% of my equity allocation, 21% of my overall portfolio neh sweat.gif
SUSPink Spider
post Nov 25 2013, 05:53 PM

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QUOTE(pinksapphire @ Nov 25 2013, 05:51 PM)
Ya ya, I keep hearing you guys mentioning this too.
35% allocation, that's considered quite high. So confident happy.gif
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No risk, no gain.

35% on Emerging Markets
30% + 15% on 2 different global funds (yes, PGSF is one of them, the big one is OSK-UOB Global Equity Yield)
SUSPink Spider
post Nov 26 2013, 09:55 AM

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QUOTE(David83 @ Nov 26 2013, 09:51 AM)
Don't worry. I won't be keep on reminding that. Glad that you guys have decent return out of it.

I hope HQAF will be making a turning point too!
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I need Hwang Select Asia Opportunity to move first...Quantum STILL doing ok (for me) doh.gif
SUSPink Spider
post Nov 26 2013, 11:24 AM

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QUOTE(TakoC @ Nov 26 2013, 11:17 AM)
Just sell off Select Asia Opportunity. Not much different between HSAO and PGSF. Can switch out and top up HSAQ and PGSF  nod.gif
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If switch to Quantum, it'd be bloated and become too big % of my portfolio sweat.gif

Not really lar...Asia ex-Japan (esp HK and SG) large caps Quantum doesn't/can't buy...only HSAO can buy. Keep lar for now
SUSPink Spider
post Nov 26 2013, 01:19 PM

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QUOTE(Kinggnik87 @ Nov 26 2013, 12:56 PM)
I got a question,

what you guys think of HSBF? I just got it a month ago to 'balance' out my portfolio (too much equity), now it seems like it ain't going no where.
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Weighed down by bonds I reckon, bond funds have been on a downward spiral lately.

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