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 Fundsupermart.com v5, Manage your own unit trust portfolio

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nightzstar
post Jan 10 2014, 01:06 PM

Col. Samantha Carter
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dear sifu and expert here ,wanna ask if hwang AIIMAN select income fund is good or any recommended govt bond fund? Thanks
nightzstar
post Jan 10 2014, 01:49 PM

Col. Samantha Carter
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From: P8X-86A


QUOTE(Pink Spider @ Jan 10 2014, 01:19 PM)
Aiks, ANOTHER "is ABC Fund good?" question... shakehead.gif

See it's historical returns (use Chart Centre), fact sheets, annual reports, compare it against its peers and benchmark.

Gomen or not I dunno, I personally like RHB-OSK Income Fund 2 (formerly OSK-UOB Income Fund), quite stable though the returns not spectacular like AmDynamic Bond in those years
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sorry jgn marah ya sifu, admit am lazy. blush.gif

QUOTE(yklooi @ Jan 10 2014, 01:32 PM)
or TS can try checking this out....
Top And Bottom Fixed Income Funds In 2013:
recap the year for the fixed income funds.....Author : iFAST Research Team
http://www.fundsupermart.com.my/main/resea...?articleNo=4218

recommended govt bond fund?...like ASNxxx?
then try this thread
https://forum.lowyat.net/topic/2940861
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ok thks very much for your help, appreciate it
nightzstar
post Jan 12 2014, 03:42 PM

Col. Samantha Carter
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From: P8X-86A


hi wanna seek advise from you guys, is it wise for me to switch from hwang select bond fund or maintain at the moment? because my financial advised me to switch rhb-osk bond which invest in china market. am skeptical over china market.
nightzstar
post Jan 12 2014, 04:08 PM

Col. Samantha Carter
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QUOTE(yklooi @ Jan 12 2014, 03:55 PM)
hmm.gif RHB-Osk got invest in China mkt meh?
I think hwang's only got 1% in China currency exposure
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that is what he said lol, what do you think? maintain or switch to other bond? hmm.gif
nightzstar
post Jan 13 2014, 08:41 AM

Col. Samantha Carter
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From: P8X-86A


QUOTE(yklooi @ Jan 12 2014, 04:22 PM)
hmm.gif why do you get that fund in the 1st place?
what criteria did you used? How is the performance against the criteria's?
any funds got better performance over the past few years?
(better not judge based on 1 or 2 yrs performance)
if you want, try fund selector, click the FI funds see the performance, the risk return ratio, risk rating, sharpe ratio and etc and then decide
(just my take...I will keep for a bit longer than see the performance)
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QUOTE(xuzen @ Jan 12 2014, 05:25 PM)
Nightzstar,

If you are believer of modern portfolio theory and uses it for investment, then you would realised that bond or fixed market portion of your protfolio is to decrease the beta (volatility aka risk for lay-man). Hence, your bond selection criteria should be which one gives me the highest ROI and smallest standard-deviation. It is not which one invest in China or India or what's not. You are asking the wrong question.

BTW, when I construct portfolio my portfolio, the two bond funds you mentioned is not in my selection criteria.

I let the equity fund generate my alpha (aka ROI for lay-person). To me, the bond fund is to help me stabalize my overall portfolio volatility, not to generate the ROI.

Xuzen
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thks xuzen & yklooi

so the higher ratio of risk-return the better? hmm.gif

This post has been edited by nightzstar: Jan 13 2014, 09:09 AM
nightzstar
post Jan 13 2014, 11:13 AM

Col. Samantha Carter
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From: P8X-86A


QUOTE(yklooi @ Jan 13 2014, 09:38 AM)
hmm.gif i am also sometimes get confused.
what i did was to compare the value of the ratios between the Fixed Income funds against the value of high risk equities funds....to get the idea
i think it is in the sense of less risk for your money. to get the expected return.

Definition of 'Risk/Reward Ratio'

A ratio used by many investors to compare the expected returns of an investment to the amount of risk undertaken to capture these returns. This ratio is calculated mathematically by dividing the amount he or she stands to lose if the price moves in the unexpected direction (i.e. the risk) by the amount of profit the trader expects to have made when the position is closed (i.e. the reward).

Investopedia explains 'Risk/Reward Ratio'

Let's say a trader purchases 100 shares of XYZ Company at $20 and places a stop-loss order at $15 to ensure that her losses will not exceed $500. Let's also assume that this trader believes that the price of XYZ will reach $30 in the next few months. In this case, the trader is willing to risk $5 per share to make an expected return of $10 per share after closing her position. Since the trader stands to make double the amount that she has risked, she would be said to have a 1:2 risk/reward ratio on that particular trade. The optimal risk/reward ratio differs widely among trading strategies. Some trial and error is usually required to determine which ratio is best for a given trading strategy.

http://www.investopedia.com/terms/r/riskrewardratio.asp

hmm.gif forget to ask...you posted..so the higher ratio of risk-return the better?
what does "better" imply? if it is better returns of investment...i guess not.
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was referring to the table of funds at FSM sites, they got put the return to risk ratio, amincome was the highest among the funds.i think ben3003 answered my questions.

QUOTE(ben3003 @ Jan 13 2014, 10:34 AM)
Amincome plus, risk/return ratio 12, so high. but looking at it ROI, my God, even put FD also way better.. So what's the point? biggrin.gif
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i see, i am clear now, that why i don't understand when pink spider mentioned am income plus, i thought it was recommended but looking at the ratio is quite high, which is why i am confused. laugh.gif

This post has been edited by nightzstar: Jan 13 2014, 11:14 AM
nightzstar
post Jan 15 2014, 12:26 PM

Col. Samantha Carter
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From: P8X-86A


QUOTE(max_cavalera @ Jan 13 2014, 06:43 PM)
buy when they are down...dont buy when its going up up up... herd mentality will get you slaughtered...
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i guess now the price of most of the bond fund going down, checked the price per unit last week.

btw, the fees for buying/selling/exit for this FSM supposed to be cheaper than buying bond from bank?
nightzstar
post Jan 15 2014, 02:33 PM

Col. Samantha Carter
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QUOTE(yklooi @ Jan 15 2014, 01:14 PM)
i guess the exit fees are controlled by the fundhouse,.thus is the same
Sales charges,...i guess FSM is still the cheapest (0%SC),...but it has "platform fees" for bond....
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i see, is this platform fees exclusive to FSM only or other banks do have is at well? compared to bank, fsm cheaper by how much actually? it is a very big difference? thks and sorry asking so much lol. blush.gif
nightzstar
post Jan 15 2014, 02:55 PM

Col. Samantha Carter
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QUOTE(yklooi @ Jan 15 2014, 02:45 PM)
Platform fees,....hmm.gif i guess FSM only.
read the fund fact sheet...the normal SC rates are stated there....
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fuuu sales charge 5.26% from total amount invested, crazy high lol

This post has been edited by nightzstar: Jan 15 2014, 02:56 PM
nightzstar
post Jan 28 2014, 08:07 AM

Col. Samantha Carter
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From: P8X-86A


it is now the right time to buy bond fund?
nightzstar
post Jan 29 2014, 10:17 AM

Col. Samantha Carter
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From: P8X-86A


hi can anyone correct me if am wrong, I am now looking for bond fund hence if i am looking at EastSpring Global LeaderMY Fund, am i doing it right? EastSpring Global Leader Fund=Bond Fund. rclxub.gif Thanks in advance. Thinking of switching from Hwang Select Bond to EastSpring. I do have AmDynamic well but not much and do you think it will be a duplicate to EastSpring in term of their portfolio investment? hmm.gif

This post has been edited by nightzstar: Jan 29 2014, 10:19 AM
nightzstar
post Jan 29 2014, 10:46 AM

Col. Samantha Carter
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From: P8X-86A


QUOTE(yklooi @ Jan 29 2014, 10:27 AM)
goto FSM my website.
click "fund Info", "fund selector",...under Main categories.....select "Fixed income".....
click generate table....
Bond Fund in FSM My listed

or read the Fund fact sheet of EI Glb leader MY fund...at the top...listed in Asset Class..Equity/Fixed Income/Balanced?
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oh ok, thks, more clear now fixed income=bond fund

QUOTE(Pink Spider @ Jan 29 2014, 10:41 AM)
oi u drunk ke apa ni rclxub.gif

GLeader is global equity fund la
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hahaha, drank too much stout blush.gif

QUOTE(xuzen @ Jan 29 2014, 10:44 AM)
E/Spring Global Leader MY Fund = a daughter fund that feed on The mother fund which is M&G Global Leader Fund. The mother fund is a pure equity fund that buys stocks of top MNC around the world.

M&G investment is a London based investment company that is owned by Prudential Ltd (UK). Basically M&G is the asset management arm of Prudential (UK).

Eastspring is the asset management arm of Prudential in Asia.

How do I know all these? Co-incidently I am also interested in E/S GL MY and have been researching the fund recently.

Xuzen
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thks Xuzen, learnt something new.
nightzstar
post Jan 29 2014, 11:36 AM

Col. Samantha Carter
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QUOTE(yklooi @ Dec 4 2013, 11:46 PM)
hmm.gif i think it is imperative for one to evaluate a mutual fund schemes beyond returns and cost, by taking into account parameters such as the risk of the fund (as denoted by Standard Deviation), risk-adjusted returns (as denoted by Sharpe Ratio), portfolio concentration, experience of the fund manager and host of other research factors. The best deal for an investor will come from a mutual fund that has higher NAV appreciation and Sharpe Ratio and lower Standard Deviation, that are comfortable with the risk profile of the individual investor
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the higher sharpe ratio=better return with the risk adjusted?
nightzstar
post Jan 29 2014, 11:46 AM

Col. Samantha Carter
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2,702 posts

Joined: Dec 2004
From: P8X-86A


QUOTE(yklooi @ Jan 29 2014, 11:41 AM)
Investopedia explains 'Sharpe Ratio'

The Sharpe ratio tells us whether a portfolio's returns are due to smart investment decisions or a result of excess risk. This measurement is very useful because although one portfolio or fund can reap higher returns than its peers, it is only a good investment if those higher returns do not come with too much additional risk. The greater a portfolio's Sharpe ratio, the better its risk-adjusted performance has been. A negative Sharpe ratio indicates that a risk-less asset would perform better than the security being analyzed.
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the "greater" referred to investopedia mean higher value of sharpe ratio is desired. correct? hmm.gif sorry my mind so kelam kabut now. blush.gif

This post has been edited by nightzstar: Jan 29 2014, 11:46 AM
nightzstar
post Jan 29 2014, 12:37 PM

Col. Samantha Carter
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Joined: Dec 2004
From: P8X-86A


QUOTE(yklooi @ Jan 29 2014, 12:31 PM)
repeated question...read postings at page 51
hmm.gif who was the asker at page 51?
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opss sorry man, forgot about that lol doh.gif

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