Fundsupermart.com v5, Manage your own unit trust portfolio
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 Mar 28 2014, 03:36 PM
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#1
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Senior Member
1,174 posts Joined: Mar 2010  
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Do you guys use the cash management fund to purchase your funds, or just go through the FXP method? I am not too sure on the advantages of cash management fund, other that it gives a steady 3.+% return p.a.
Only one month in FSM now, appreciate all the sharing made here by different people. |
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Mar 28 2014, 06:55 PM
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#2
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Senior Member
1,174 posts Joined: Mar 2010
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QUOTE(Pink Spider @ Mar 28 2014, 05:03 PM) Isn't that good enough a reason? heh true, maybe i'll put it there once i have started working. i am looking for a suitable PRS. since govt would make a one off RM500 additional investment to your account, once your account hit 1k.  http://savemoney.my/malaysia-budget-2014-r...ving-br1m-etc/7 http://www.ppa.my/prs/prs-youth/prs-youth-incentive/ but perhaps i should take advantage of the RSP deal for new members first, 1% s.c. for the first 6 months. since there is no sales charge for PRS (at least for cimb islamic equity and hwang aiman) 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:- how do you get the percentage? I am getting similar report for my portfolio via MorningStar https://my.morningstar.com/ have to key in the transactions manually, but the portfolio analysis is quite detailedEquities % 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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Apr 3 2014, 01:08 PM
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#3
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Senior Member
1,174 posts Joined: Mar 2010
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QUOTE(Michaelbyz23 @ Apr 3 2014, 12:42 PM) kenanga growth fund ESCIF has a big jump today. Was quite surprised when I checked the FSM app this morning. Hopefully it'll remain green for a longer period of time. eastspring small caps investment  what about yours? |
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Apr 4 2014, 03:09 PM
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#4
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Senior Member
1,174 posts Joined: Mar 2010
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QUOTE(Kinggnik87 @ Apr 4 2014, 02:38 PM) A question, if compounded management fee throughout the years will eat us up by 30-50%. Then what is the best way to deal with it? Ikut this unker Switch/sell funds every 3-5 years? Any help is greatly appreciated. QUOTE(Pink Spider @ Apr 4 2014, 10:15 AM) only Nestle and Dutch Lady is "pricey" Nestle RM60++ so 1 lot is RM6K++  DLADY RM40++ so 1 lot is RM4K++ 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"? |
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Apr 4 2014, 03:39 PM
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#5
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Senior Member
1,174 posts Joined: Mar 2010
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QUOTE(Michaelbyz23 @ Apr 4 2014, 03:27 PM) so, how long do we typically keep our funds in ut before withdrawing out and invest on smthing else? 5 years max? 3 years? TBH I have just started recently as well. diverted some of my ASB earnings into UT. in my opinion, choose on a product or instrument that fits your profile. investor : long term, unker warren buffet says the best holding period is forever trader : short term as you'll be selling and buying more frequently. a more passive investors would go for UT, asb, ETF. active investors / traders can opt for stocks where the returns can be much higher. you'll need good knowledge to decide on what to buy and what not to buy. there are also some calculations that can be done to roughly estimate its future performance (IDK the formula, a friend was a stockbroker for a year, he mentioned about the formula) as for me, with my current financial ability and knowledge, i am more suited as a passive investor. BTW, I have made a Portfolio performance template based on unker's Pink excel file. I have included only two UTs, but it can be expanded into more. and there is also an overall ROI n IRR indicator as well. you can copy it to your google drive, or download as the format that you guys want. link here Investment Portfolio ROI n IRR Template This post has been edited by azrash: Apr 5 2014, 07:14 PM |
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Apr 4 2014, 03:55 PM
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#6
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Senior Member
1,174 posts Joined: Mar 2010
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QUOTE(ben3003 @ Apr 4 2014, 03:42 PM) why divert asb to UT? asb consistently give around 8%... now UT ding dong also not so much.. I diverted a small amount only. certain UT might give a higher return, so right now in a testing period to see if it'll work.If it indeed works, once i have started working, i'll topup my ASB loan and maintain my ASB as my main portfolio and put the extras that i might have into those UTs. what's your opinion? |
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Apr 4 2014, 04:43 PM
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#7
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Senior Member
1,174 posts Joined: Mar 2010
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QUOTE(ben3003 @ Apr 4 2014, 04:27 PM) yeah if u can pretty sure ur portfolio can do better than asb lol.. cos ASB looks like risk free and get 8% every year lol, yeap, planning to topup to max amount first before putting more into UT. i am not eligible for ASB, but if i were u i will just max the asb first, then only do UT. |
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Apr 5 2014, 06:10 PM
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#8
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Senior Member
1,174 posts Joined: Mar 2010
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QUOTE(brianw87 @ Apr 5 2014, 05:17 PM) hey guys, i know this may sound crazy but do you all think is it possible to get over 1mil capital gain via fund for long term investment? How long is your 'long term'? You can play with some numbers here http://www.mycalculators.com/ca/savecalcm.html The fund needs to be consistent though. BTW, has anyone here has had any experience with ETF? either local ETF or overseas ones. |
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Apr 6 2014, 04:35 PM
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#9
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Senior Member
1,174 posts Joined: Mar 2010
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QUOTE(edwardSL @ Apr 5 2014, 06:36 PM) Hey guys, quite hard to find simplified explanation on the net. this is extracted from reddit.Today I just started to use IRR method to evaluated my fund portfolio. Hope some of you may explain a bit to me ^^ 1) Is IRR/XIRR only effective in calculating fund performance at least over one year period or longer? What's exactly the criteria to use IRR/XIRR? 2) What exactly the result of calculating IRR/XIRR will tell me? I just know number higher mean better? Lol BTW Thx to @Pink Spider for the useful speadsheet provided ^^ QUOTE tl,dr: IRR converts different payment returns overtime to a single value. It is helpful to compare investment options that have different lifespans. XIRR is computer shortcuts to make IRR analysis easier. tl answer: IRR calculates the increase in future payments back to the value of today's money. Let's say in example A, you loan me $100 today and I repay you $106 dollars next year. In example B, I take the same loan and repay you $53 in one year and $55 dollars the next year. So scenario A, you end up with $106, scenario B $108. You like the $108, but in reality it has a lower return because it takes longer. Scenario A's IRR is 6%. Scenario B only increases your funds by 5.3% from year 0. QUOTE Although this is mostly correct, it is misleading to call it an "average return" and the internal rate of return can be quite different. I find it more helpful to think of IRR as the effective interest rate across all of my investments over a period of time. sos http://www.reddit.com/r/personalfinance/co...urn_irr_better/ http://www.reddit.com/r/explainlikeimfive/...urn_irr_better/ |
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