Some calculation for sharing:

To be more precise, if cumulative returns of 11.98% for 3 years, the annualized returns is 3.84% p.a. (rounded to 2 d.p.), i.e. 3.84%p.a. compounded for 3 years, you will get cumulative 11.98% returns.

You can get these kind of ROI calculation with Excel formula with the above example : "=RATE(3,0,-100,111.98,0)"

4% compounded 3 years will give you 12.49% cumulative returns.

This post has been edited by tbheng: Mar 7 2014, 11:35 PM

Hi all,
Just to share my ASG performance so far after 1.5 month, for those who are interested to know.

I had opened ASG (all the 3 funds) at end Jan 2014, after one month they have appreciated to cover the 2% SC (except for ASG-Pesaraan).

As of this week the returns are as follow after net off the 2% SC:
(the returns are purely based on unit price movement w/o dividend)
ASG-Pendidikan : cum roi = 0.40%; annualized roi = 3.98%
ASG-Kesihatan : cum roi = 0.67%; annualized roi = 6.85%
ASG-Persaraan : cum roi = -0.09%; annualized roi = -0.84%
ASG-overall : cum roi = 0.33%; annualized roi = 3.29%

Note 1: Diversify to get all the 3 funds seems better in risk management as shown here.
Note 2: roi is slower at the start as it has to overcome the 2% SC. Annualized roi should grow along the year.


This post has been edited by tbheng: Mar 14 2014, 04:56 PM

Annualized ROI = (1.223-1.18) / 1.18 / (14Mar2014 - 31Jul2013) * 365 = 5.89%

I think he meant after the dividend (1 April 2014) then report back the performance (NAV + Dividend).

Finally got my first dividend updated. Verified all 3 funds, all correctly calculated and reinvested.
(@TS, I think the dividend for ASG-Persaraan on Post 1 was mistakenly updated as 7.30.)

Just to share my ASG investment after 2 months:
ASG-Pendidikan : ITD ROI = 1.34%, Annualized ROI = 7.75%
ASG-Kesihatan : ITD ROI = 1.80%, Annualized ROI = 10.54%
ASG-Persaraan : ITD ROI = 0.73%, Annualized ROI = 4.16%
ASG overall : ITD ROI = 1.29%, Annualized ROI = 7.46%
* All ROI are net after 2% sales charge. Very encouraging even unit prices were downward adjusted post dividend

I got the ASG during the 2% SC promo. Really worth it. The 2% SC was fully recovered after 1 month!

This post has been edited by tbheng: Apr 8 2014, 08:38 AM

Sales charge is imposed during the purchase of new units. There is no charge for selling (withdrawal).
The ROI calculated above are net after the sales charge. So that we can compare net returns with other funds.
Also to note that my investment is just 2 month old, it is a slow start due to the one time sales charge recovery.
Should see higher ROI thereafter, but higher return higher risk..
The 2% SC promo is really a good incentive. Will add more if there is similar offer in future.

This post has been edited by tbheng: Apr 8 2014, 03:03 PM

Refer to the link HERE

You pay Sales Charge when you purchase the unit, no sales charge when you let go (redeem, sell) the unit

This post has been edited by tbheng: Apr 9 2014, 10:20 AM


Attached thumbnail(s)

Hmmm... New acct no....does it mean need to change passbook?
Edit: Read the notice...aisay, need to replace to new passbook... leceh lah...

This post has been edited by tbheng: Apr 19 2014, 07:30 AM

Just to share my ASG investment after ~3 months since end Jan:
ASG-Pendidikan : ITD ROI = 1.87%, Annualized ROI = 8.30%
ASG-Kesihatan : ITD ROI = 2.34%, Annualized ROI = 10.44%
ASG-Persaraan : ITD ROI = 1.21%, Annualized ROI = 5.30%
ASG overall : ITD ROI = 1.81%, Annualized ROI = 8.00%
Note: All ROI are net after sales charge.
Feel not too bad on the overall performance.

I use the following formula for my calculation.
Disclaimer: I am no accountant... For your reference only...

ITD ROI = (Current_Value - Tot_Amt_Invested) / (Tot_Amt_Invested) * 100%
WHERE Current_Value = Tot_Unit_In_Hand * Unit_Price

Annualized ROI or IRR = RATE(Investment_Period/365,0,-Tot_Amt_Invested,Current_Value,0)
WHERE Investment_Period = TODAY - Investment_Date

I use Excel formula RATE() to calculate Annualized ROI, and it gives compounded % result if Investment_Period > 1 year.

If Investment_Period <= 1 year, you can use a simpler formula as follow:
Annualized ROI = (ITD ROI) / (Investment_Period) * 365

This post has been edited by tbheng: Apr 29 2014, 09:47 AM

Finally got my ASG passbook replaced at MBB branch.
A new design cover, a new 12-digit acct no (No Ahli) and simplified printing line (without the last remark column).

UGPM

Yes, I have commented previously too... they should just allow opening of acct (I don't feel the transparency here); and then let the fund holders top up over the internet.
No queueing and no sour faces. What holding them back from embracing the technology?

I'm looking at the overall eco-system rather than just the banks' internet banking systems.
I understand most of those mentioned above are fully subscribed.
But what stopping them from letting the unit holds to try for available units online than going to the agents/banks?
The online system can also show "Sorry, no unit available at the moment. Please try again later.".
It is just a replacement of what is done at the agents (trying your luck) and doing it online instead.
Maybe I had over simplified the case, but in the essence that is what improvement, efficiency and better customer service that I am thinking of.

Hi all, just to share my ASG returns after 4 months into it, net after 2% SC:

Fund	ITD ROI	Annualized ROI
ASG-Pendidikan	2.33%	7.21%
ASG-Kesihatan	2.80%	8.69%
ASG-Persaraan	1.33%	4.08%
ASG-overall	2.16%	6.65%

This post has been edited by tbheng: Jun 7 2014, 08:47 AM

It was hovering between 5.98% to 8.92% in the past 2 months.
Again, must get in with low SC to get better returns.
But if put longer terms, the sc will be averaged out by the years.

Hi all, just to share my ASG returns after 5 months into it, all figures are net after 2% SC.
Not bad considering have to overcome the SC initially.

Fund	ITD ROI	Annualized ROI
ASG-Pendidikan	3.27%	8.21%
ASG-Kesihatan	3.74%	9.40%
ASG-Persaraan	2.23%	5.54%
ASG-overall	3.08%	7.71%

Yeah, weather is too hot lately, cold waters are nice...
Just for sharing in this thread lah...as it is not easy to see performances from all these funds (with prices adjustment, dividend distribution, SC charges, etc)

Thanks for reminding me about FSM... still have yet to do my analysis yet, I will get to FSM one day.
Do we have a thread for FSM in lyn? Or mainly ppl will interact within FSM?
Any good recommendations?

There are also some 0% SC performing funds too, I got one that fall under PRS.
Spreading my monies across various investment vehicles.

Cool...Thanks.

I got my new passbook in MBB > 2 months back as reported here.

This post has been edited by tbheng: Jul 23 2014, 10:02 AM