IMHO u should at least do a simple spreadsheet just to track your cost and total unitholdings. IRR, P&L and whatever fancy calculations u can leave.

CMF calculates interest on daily basis and u can withdraw anytime and get the money at T+2, it's not fair to compare to 12-M FD rate. We should be comparing to 1-M FD rates.

This post has been edited by Pink Spider: Jun 3 2014, 09:44 AM

Read Post #1 THOROUGHLY, this question has been repeated over and over again.

What to do, too stressed with work.

Needs Direct Access™

I usually go after ...US markets trading session

Feel wanna dump AmDynamic Bond and switch to RHB-OSK Income Fund 2.

Yeah wor...even RHB-OSK Emerging Markets Bond performed better, I'm still getting IRR of 5-6% from it.

AmDynamite...keeps on kamikaze explode sendiri
IRR 3.1% now

U keeping any other bond fund?

Update:
Dumped a bit more AmDynamite, now my bond exposure is 20% AmDynamite + 20% RHB-OSK EM Bond, easier to monitor and track see which one is underperforming.

Quite heavy on CMF now

This post has been edited by Pink Spider: Jun 5 2014, 10:27 AM

Why not CMF?

CMF vs AmIncome Plus:
T+2 withdrawal vs T+4 withdrawal
100% FDs and cash vs short-date bonds and cash
3.0% vs 2.5% past 12 months return

Pinky

Current portfolio yield for CMF is 3.067%:
https://www.fundsupermart.com.my/main/trust...terestRates.tpl?

Whereas IRR on my holdings of CMF is 2.97%.

This post has been edited by Pink Spider: Jun 5 2014, 02:53 PM

So, are u tempted to reduce or wholly dump?

IGBREIT 5.4% net yield
UOAREIT 7% net yield

cold hard cash

Buy REITs

Aiyo

e.g.

20 sen divvy p.a.
Price RM2
current yield = 10%

u buy

Later interest rate rise, that REIT kena dumped by investors

20 sen divvy p.a.
Price RM1.80
current yield = 11.1%

Yes, u lose some capital, paper loss
But u still getting 20 sen p.a. cold hard cash

This post has been edited by Pink Spider: Jun 5 2014, 04:33 PM

Yes, my stock portfolio June month-to-date in the red. But 12-months rolling total return still healthy at 13%+.

Now it's my UT portfolio turn to perform after underperforming my stock portfolio for months

Before u ask more questions, go read Post #1 THOROUGHLY

China Shanghai index going nowhere...the returns come from where? Russia, Brazil & Co?

lose your job. people fail to see that the biggest risk is not health, but income/job.

This post has been edited by Pink Spider: Jun 11 2014, 05:24 PM

Oi, Kenanga Growth Fund is NOT 100% loss-proof!

CMF okay lar...all my excess funds are parked there.

This post has been edited by Pink Spider: Jun 11 2014, 06:28 PM

Today I'm in good mood so I gonna write more

CMF is VERY LIQUID, u place withdrawal/sell order by 3PM on a working day, within 2 WORKING DAYS FSM will credit to your bank account.

RHB-OSK (the fund manager for CMF) takes money of investors in that fund and places in FDs of differing maturities and money market deposits. It's like, u have RM365,000, and u place RM1K in 12 months FD EVERY SINGLE DAY, so that u have a maturing FD cert every day.

Currently CMF yield is about 3.08%

Liquid and safe AND high return? No such thing exists.

If u have at least 3 years investment horizon...do consider consistent performers like RHB-OSK KidSave, Hwang Select Balanced, AmConservative.

This post has been edited by Pink Spider: Jun 12 2014, 11:37 AM

0.4%

I DID say 3 years investment horizon...