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 Fundsupermart.com v6, Manage your own unit trust portfolio

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kimyee73
post Apr 18 2014, 02:13 PM

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QUOTE(wongmunkeong @ Apr 17 2014, 02:32 PM)
Trading options (selling options to get premiums) leh? tongue.gif
eg.
speculative option selling based on standard deviation / probabilities of strike price sold being hit within a specific timeline
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out of 3 possible movements (no move much, move kakaload against me, move kakaload for me), can win 2 (no move much, move as planned)

eh - direct access best lar, dance like snake then try try no fun.
yoda says do, or do not. there is no try  brows.gif
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for me writing options is like picking pennies in front of steamroller. Some are good at it though. I would rather go with long call/put.
kimyee73
post May 2 2014, 10:51 AM

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Here is my funds' performance as end of April (up to 29/4/14 only)

FSM1 (self)
Overall IRR - 8.06%
Best fund - Kenanga Growth Fund - IRR 25.65%, ROI 13.71%
Worst fund - KAF Global Equities - IRR -2.21%, ROI -0.61%

FSM2 (Wife)
Overall IRR - 7.04%
Best fund - Eastspring Small Cap - IRR 54.21%, ROI 15.79%
Work fund - Eastspring Global Leaders MY (inv since Nov'13) - IRR -16.4%, ROI -3.95%

PM
Overall IRR - 9.13%
Best equity fund - Public Islamic Sector Select - IRR 16.04%, ROI 28.95%
Worst equity fund - Public Ittikal - IRR 10.07%, ROI 24.19%
kimyee73
post May 2 2014, 11:41 AM

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QUOTE(Pink Spider @ May 2 2014, 11:21 AM)
My FSM portfolio got no negative ROI and IRR fund anymore, the least is AmDynamic Bond with IRR 3%++, highest is Hwang Asia Quantum with IRR 18% followed by RHB-OSK Global Equity Yield at 14%
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My KAF GEF is improving, a month ago IRR was -6%, now -2%. Eastspring Global Leaders invested end of last year and still negative IRR, ROI drop by about 3.6% from 3 weeks ago together with Eastspring GEMF.

How is your overall IRR?
kimyee73
post May 2 2014, 11:41 AM

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QUOTE(azrash @ May 2 2014, 11:18 AM)
These are from 1st January to 29th April, or from an earlier date?

Eastpring small cap is doing well on my end too. The monetary ROI is currently higher than my kenanga syariah growth, both were invested at the same period. I have bigger holdings in kenanga though. Placed a lower ratio for small cap investments
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From the date it was invested.
kimyee73
post May 2 2014, 11:55 AM

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QUOTE(Pink Spider @ May 2 2014, 11:43 AM)
Overall IRR of my UT investing is 5.6%.

But it's not really that meaningful, cos it included performance of funds previously bought thru EON/HLB at Sales Charge of 5-6%, and funds which I dumped (at a mistake) during 2010/2011 slump.
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Yes, I included all my previous mistakes as well in the calculation hmm.gif
kimyee73
post May 2 2014, 12:10 PM

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QUOTE(wodenus @ May 1 2014, 12:58 PM)
True but long term I think steady funds will beat volatile funds.. say you want to retire at 60 or whatever... then 60 you have to take out.. but at 60 your fund is bottoming.. have to postpone retirement lol tongue.gif
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That is why you have to adjust your exposure to volatile funds as you get older and hopefully wiser. When retire at age 60, you should have at least 2 years of spending in money market or cash deposit in order to ride out any recession that may hit the rest of your funds. Both bond and equity fund would be hit by recession, just their magnitudes are different.
kimyee73
post May 21 2014, 02:20 PM

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Anyone going to the dinner this Friday?
kimyee73
post May 22 2014, 11:25 AM

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QUOTE(wodenus @ May 21 2014, 08:11 PM)
High-value investor spotted lol. That's only for their high-value clients I think smile.gif
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No lah. I'm only Silver status. Was surprised when they invited me. Who else got invited?
kimyee73
post May 22 2014, 11:28 AM

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QUOTE(MNet @ May 21 2014, 05:53 PM)
where dinner?
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Deluxcious Restaurant, Penang thumbup.gif
kimyee73
post Jun 3 2014, 04:04 PM

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My end of May 2014 funds performance

EPF PM Fund:-
Overall - IRR 9.07%, ROI 59.3%
Best performance equity fund: PISSF - IRR 15.48%, ROI 31%
Worst performance equity fund: PITTIKAL - IRR 10.13%, ROI 33%

My Cash FSM Fund:-
Overall - IRR 7.29%, ROI 3.8%
Best performance equity fund: KGF - IRR 24.47%, ROI 17.4%
Worst performance equity fund: KAF GEF - IRR -3.77%, ROI -1.3%

Wife Cash FSM Fund:-
Overall - IRR 8.3%, ROI 5.3%
Best performance equity fund: Eastspring Small Cap - IRR 45.87%, ROI 20%
Worst performance equity fund: Eastspring Global Leaders - IRR -7.29%, ROI -2.1%
kimyee73
post Jun 17 2014, 10:28 AM

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QUOTE(nothingz @ Jun 16 2014, 04:14 PM)
based on whose study? Which economist can beat the market consistently over a long term period?

profit and risk are inter-related, can you ignore the risk while chasing for high return?

anyway, there is no way to justify lump sum investment approach can generate higher long term profit because there are other investment approach such as VCA. Some of the members here use this method including myself.
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I'm late to this discussion but I have done backtesting myself several months ago based on 8 years of data. Lump sum always give better return than DCA provided you perform value cost averaging after the lump sum. After my backtesting, I lump sum all instead of continuing with my DCA. Now I'm maintaining it with VCA. If you don't perform VCA, your lump sum return may lower than no VCA method depending on when you did the lump sum. But one thing, make sure lump sum into funds with good 5-10 years consistent track record than those 1-2 year funds that looks good short term. You don't want to lump sum with fund that the price nose dive and never resurface like those China funds.
kimyee73
post Jun 17 2014, 10:46 AM

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QUOTE(Kaka23 @ Jun 17 2014, 10:40 AM)
So lump sum into Kenanga Growth fund la...??!
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I did that and I'm glad I did it but KGF is only 14% of my portfolio. Before this I was DCA-ing rm100 monthly.
kimyee73
post Jun 17 2014, 11:57 AM

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QUOTE(Kaka23 @ Jun 17 2014, 11:22 AM)
which equity fund has the biggest percentage in your portfolio?
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They are all the same 14%. Everyone have equal opportunity biggrin.gif
kimyee73
post Jun 23 2014, 10:01 AM

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QUOTE(yklooi @ Jun 19 2014, 04:50 PM)
I just liked the way he phrased it...... thumbup.gif

"Investing in markets is sometimes like trying to catch a ball. You don't position yourself at where the ball has been in order to catch it. In order to catch a ball, you position yourself at where you think it is going to land. So, when looking at markets, don't get engrossed tracking where it has been and how it has been performing. Of far more vital importance is where you think markets will be! Accordingly, using historical performance to judge where you think future market performance will be does not usually turn out well. Just because the US market had a great year last year doesn't mean it will have yet another great year this year. And conversely, just because Asian markets had a relatively quiet year last year doesn't mean this year will be a quiet one as well.
..........This is exactly like catching a ball. You look to where you think it will land, not where it has been. "

hmm.gif just how long does one have to position oneself there?  rolleyes.gif

https://secure.fundsupermart.com/main/resea...SJBlog_20140602
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I think this is applicable only to stock market as it is un-managed. For UT, it is a managed fund hence the performance will also depend on management team and not just at the mercy of market force. Else it will be just be an index fund if it track the market.

This post has been edited by kimyee73: Jun 23 2014, 10:06 AM
kimyee73
post Jun 23 2014, 02:43 PM

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QUOTE(kkk8787 @ Jun 23 2014, 09:14 AM)
My target was 8-10% but din seem to be getting that so changed target a bit lo... dunno y my portfolio doesnt seem to be generating much..either dca at fault or initial sales charges pulling I down
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Most likely DCA at fault especially if you start DCA with rm100 instead of initial rm1000. After full year, only your initial investment of rm100 benefit from full year return, the rest are not.
kimyee73
post Jun 23 2014, 02:50 PM

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QUOTE(RO Player @ Jun 23 2014, 10:08 AM)
if market crash...UT like kenanga Growth Fund..will be affected. Good idea, to switch all units in this fund to other UT funds? like income fund?  whats ur opinion.. hmm.gif
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The key is how to spot a market crash. Normally we know after the fact already in motion and our portfolio already drop in value. If don't know how to determine, better just stay invested and perform rebalancing or top-up. I think kaka has a preset % to perform the big switch.
kimyee73
post Jun 23 2014, 02:55 PM

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QUOTE(millenniummonkey @ Jun 23 2014, 02:28 PM)
Anyone received this?

Dear My Valued Investors,
Good day to you.
We are pleased to inform that we currently give a special offer to selected status investors. If you purchase these selected funds with a minimum investment amount of RM 5,000 from 20 June – 27 June 2014, you will be entitled for sales charge 0.8% only!
Period : 20 – 27 June 2014
Sales charge : 0.8%
Minimum investment : RM5000 (total for selected funds)

Note :
- Kindly please email to notify us at investhelp.my@fundsupermart.com before 2.30pm daily cut off time so that we can manually adjust the sale charge for you.
- Latest payment must reach us before 2.30 pm cut off time on 27 June 2014 for this offer.
- This offer is not applicable for INTRA or INTER fund switching.

Please find the table below for the funds selected for this promotion .
Promotional Funds
Fund Name
Market
CIMB-Principal Asia Pacific Dynamic Income Fund
Asia ex-Japan
Asia ex-Japan offers attractive upside potential. This fund focus on high dividend yielding stock with growth potential and has been performing quite well
Pheim Asia Ex-Japan Islamic Fund
Asia ex-Japan
Asia ex-Japan offers attractive upside potential. This fund has stronger resilient and steady and consistent performance (Shariah compliant)
AmSchroder European Equity Alpha
Europe
The fund adopts a high conviction bottom-up investment style that emphasizes on value investing, while maximizing returns through buying low and selling high. The fund has outperformed the benchmark in recent times.
Aberdeen Islamic World Equity Fund - Class A
Global
First hand company research and strong corporate due diligence. Bottom-up investment style with benchmark agnostic approach. (Shariah compliant)

Please do not hesitate to contact us if you need any assistance.
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Ya, got this as well and I'm only silver status (declare first before pink said anything)
kimyee73
post Jun 24 2014, 08:33 AM

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QUOTE(wodenus @ Jun 23 2014, 07:44 PM)
I dunno about RSP lol.. but usually funds start at Rm1,000 smile.gif
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Check out FSM RSP and you can see plenty of funds that you can start with rm100.
kimyee73
post Jun 26 2014, 04:17 PM

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QUOTE(pinksapphire @ Jun 25 2014, 06:49 PM)
I haven't tried stock market, that's why I'm not getting into it without any proper guidance, lol
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If you want to buy and sell in short period like trading stock, please learn to trade in stock market. UT is not a good instrument to buy and sell.
kimyee73
post Jun 26 2014, 04:24 PM

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QUOTE(pinksapphire @ Jun 25 2014, 09:19 PM)
Really? Didn't know sweat.gif Initially was thinking of putting in a good amount under FSM...but this 0% promo by eUT is too tempting. Gonna move there instead.
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I don't know why the fuss over 1%-2% differences. It is nothing if you're investing over long period like for retirement. Equity fund short term volatility is more than that. Having all your portfolio in one place is better for easy management and critical mass needed for switching. I think that out weight 1-2% saving in SC.

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