QUOTE(Kaka23 @ Nov 22 2013, 07:37 AM)
Too late already, unless u think another asset class can outperform MYR corporate bonds.Fundsupermart.com v5, Manage your own unit trust portfolio
Fundsupermart.com v5, Manage your own unit trust portfolio
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Nov 22 2013, 10:32 AM
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#81
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16,872 posts Joined: Jun 2011 |
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Nov 22 2013, 09:35 PM
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#82
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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. I learnt this lesson and went thru this with Pacific Global Stars, happy that I persevered and kept faith Funds that I gave up after prolonged underperformance: Eastspring Investments Asia Pacific Shariah AmAsia Pacific REITs |
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Nov 23 2013, 12:11 PM
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#83
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QUOTE(TakoC @ Nov 23 2013, 11:28 AM) Yes, updated my portfolio regional % with it, and US allocation went up. QUOTE(David83 @ Nov 22 2013, 09:45 PM) Still holding, not gonna dump my old holdings which attract no platform fee. |
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Nov 23 2013, 04:48 PM
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#84
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QUOTE(TakoC @ Nov 23 2013, 01:14 PM) Yes, I've no social life 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. No hard and fast rule here.Usually how many percentage of your income will be in your unit trust investment a year?? 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 |
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Nov 23 2013, 04:50 PM
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#85
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QUOTE(David83 @ Nov 23 2013, 04:09 PM) Hello...annual report will have to be audited...to be able to come out 2 months after year-end is already quite fast. Btw, OSK-UOB funds still have Sep-13 fact sheets only...October fact sheets many also haven't publish. |
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Nov 23 2013, 04:58 PM
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#86
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QUOTE(David83 @ Nov 23 2013, 04:54 PM) I'm aware of annual report needs to be audited. Fact sheets are not audited. From my experience they (fund houses) typically publish it near the end of the subsequent month.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. Audited accounts can take UP TO 6 MONTHS to be finalised u know |
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Nov 23 2013, 05:49 PM
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#87
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Nov 25 2013, 09:20 AM
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#88
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Nov 25 2013, 10:34 AM
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#89
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Nov 25 2013, 02:29 PM
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#90
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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? IMHO 6 months is too short.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? 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. |
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Nov 25 2013, 02:38 PM
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#91
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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 U cannot compare strictly to FD...FD is fixed...straight line...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? 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 |
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Nov 25 2013, 03:16 PM
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#92
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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. Build a portfolio, don't pick 1-2 funds and hope that it/they will make u a fortuneWanted to try with that HSAO that you guys mentioned before, but lately I see that everyone's going away from it 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. |
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Nov 25 2013, 03:19 PM
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#93
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Nov 25 2013, 05:03 PM
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#94
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Nov 25 2013, 05:44 PM
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#95
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Nov 25 2013, 05:48 PM
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#96
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Nov 25 2013, 05:53 PM
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#97
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QUOTE(pinksapphire @ Nov 25 2013, 05:51 PM) Ya ya, I keep hearing you guys mentioning this too. No risk, no gain.35% allocation, that's considered quite high. So confident 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) |
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Nov 26 2013, 09:55 AM
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#98
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Nov 26 2013, 11:24 AM
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#99
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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 If switch to Quantum, it'd be bloated and become too big % of my portfolio 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 |
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Nov 26 2013, 01:19 PM
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#100
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