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 Fundsupermart.com v7, DIY unit trust investing

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SUSyklooi
post Oct 18 2014, 07:37 AM

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QUOTE(Pink Spider @ Oct 18 2014, 07:30 AM)
Work out a hypothetical scenario is easiest to understand such concepts...
.........

Split is more straightforward than distribution, cos everyone is taking the units, no one is taking cash out.

Whereas distribution, some unitholders take cash, some reinvest. So the calculation not so straightforward.
*
rclxms.gif wow Saturday morning started working already..or jus came back brows.gif

hafiez
post Oct 18 2014, 07:42 AM

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QUOTE(Salamurhaaja @ Oct 18 2014, 04:15 AM)
Sifus here,

Is this the good time to have a unit trust as the first investment option for a student but having a capital of 1K will it be good enough?

Newbie here but trying to learn as much as I can from here. Any comments will be appreciated.

Thank you.
*
everytime is a good time to invest in UT.

Just invest and play with strategy.

But you are lucky to start now as the market are doing some corrections.

Just my friendly advise; dont time the market, u will lose. Invest regularly and u will be fine.
SUSyklooi
post Oct 18 2014, 07:43 AM

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QUOTE(Salamurhaaja @ Oct 18 2014, 04:15 AM)
Sifus here,

Is this the good time to have a unit trust as the first investment option for a student but having a capital of 1K will it be good enough?

Newbie here but trying to learn as much as I can from here. Any comments will be appreciated.

Thank you.
*
hmm.gif 1k is good enough to start.....
just hope that this 1k is excess/surplus after yr emergency funds and other funds for need to buy/have things.

from the web....

If you're a novice investor, or if you are looking to brush up on your knowledge on a specific investment concept, this is the place to start! We have tailored this section to provide you with the investment foundation that you need

We believe that it is important for new investors to acquire basic investment knowledge before investing, because only then would you be able to take charge of your own financial planning and manage your financial wealth bowl

At Fundsupermart.com, we passionately believe that unit trusts are the best investment instruments to help investors achieve their long-term financial goals. In this section, we will elaborate on the basics of financial planning, tutor you on the finer points of unit trust investing, and help you make better investment decisions

http://www.fundsupermart.com.my/main/schoo...d.svdo?PageID=1

hafiez
post Oct 18 2014, 07:46 AM

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From: Mount Chiliad



QUOTE(yklooi @ Oct 18 2014, 07:43 AM)
hmm.gif 1k is good enough to start.....
just hope that this 1k is excess/surplus after yr emergency funds and other funds for need to buy/have things.

from the web....

If you're a novice investor, or if you are looking to brush up on your knowledge on a specific investment concept, this is the place to start! We have tailored this section to provide you with the investment foundation that you need 

We believe that it is important for new investors to acquire basic investment knowledge before investing, because only then would you be able to take charge of your own financial planning and manage your financial wealth bowl 

At Fundsupermart.com, we passionately believe that unit trusts are the best investment instruments to help investors achieve their long-term financial goals. In this section, we will elaborate on the basics of financial planning, tutor you on the finer points of unit trust investing, and help you make better investment decisions 

http://www.fundsupermart.com.my/main/schoo...d.svdo?PageID=1
*
I have a client start his investment with rm500.

Its not about the value, its about effort.

But yeah, invest only with excess money after deduct everything.
SUSPink Spider
post Oct 18 2014, 08:00 AM

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QUOTE(yklooi @ Oct 18 2014, 07:37 AM)
rclxms.gif  wow Saturday morning started working already..or jus came back  brows.gif
*
Today got work half day lar tongue.gif

QUOTE(hafiez @ Oct 18 2014, 07:46 AM)
I have a client start his investment with rm500.

Its not about the value, its about effort.

But yeah, invest only with excess money after deduct everything.
*
I also started with 1K

Then every month top up RM100 smile.gif
NeN51
post Oct 18 2014, 08:24 AM

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QUOTE(Pink Spider @ Oct 18 2014, 08:00 AM)
Today got work half day lar tongue.gif
I also started with 1K

Then every month top up RM100 smile.gif
*
Me too, I started with 1k but i didnt contribute every month. Thou, it is good to start early and let it compound!
woonsc
post Oct 18 2014, 09:23 AM

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From: Sabah, Malaysia


QUOTE(Salamurhaaja @ Oct 18 2014, 04:15 AM)
Sifus here,

Is this the good time to have a unit trust as the first investment option for a student but having a capital of 1K will it be good enough?

Newbie here but trying to learn as much as I can from here. Any comments will be appreciated.

Thank you.
*
Haha i started with 1 k too..
But all in 1 fund..
You should try Pink Spider RSP trick tongue.gif
So you can diversify..
SUSPink Spider
post Oct 18 2014, 09:29 AM

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QUOTE(woonsc @ Oct 18 2014, 09:23 AM)
Haha i started with 1 k too..
But all in 1 fund..
You should try Pink Spider RSP trick tongue.gif
So you can diversify..
*
Oi, why quote me? Call it the Ninja RSP trick ph34r.gif
woonsc
post Oct 18 2014, 09:31 AM

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QUOTE(Pink Spider @ Oct 18 2014, 09:29 AM)
Oi, why quote me? Call it the Ninja RSP trick ph34r.gif
*
rolleyes.gif learn from you.. need give credit
tongue.gif
cannot simply use..
copyrighted..
techie.opinion
post Oct 18 2014, 10:00 AM

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I started with RM100 only via RSP @ FSM.
SUSDavid83
post Oct 18 2014, 10:06 AM

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QUOTE(Pink Spider @ Oct 18 2014, 07:30 AM)
Work out a hypothetical scenario is easiest to understand such concepts...

Imagine fund size RM100,000
NAV: RM1.0000
Previously outstanding units were 100,000
Now they do 2:5 split/bonus
Now become 140,000 units
NAV becomes: RM0.7143

If my finance knowledge doesn't fail me...

U take pre-split NAV i.e. RM1.0000
U do this factoring...
2:5 split mar...
RM1.0000 *5/7 to get your ex-split NAV

Similarly, to get back to pre-split NAV, u take ex-split NAV
RM0.7143 * 7/5

Split is more straightforward than distribution, cos everyone is taking the units, no one is taking cash out.

Whereas distribution, some unitholders take cash, some reinvest. So the calculation not so straightforward.
*
Sorry, my maths isn't my strong subject.

How to arrive the ratio of 5/7 from the 2:5 split?

The rest of the pre and post split fundamental I already knew it.
SUSPink Spider
post Oct 18 2014, 10:07 AM

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QUOTE(David83 @ Oct 18 2014, 10:06 AM)
Sorry, my maths isn't my strong subject.

How to arrive the ratio of 5/7 from the 2:5 split?

The rest of the pre and post split fundamental I already knew it.
*
Before split, u have 5
After split, u have 7
Extra u get, 2

^
The numbers for the factor calculation

Eh, why u bother with the calculation?

Just take the number of units u holding before split
Divide the number by 5 and multiplied with 2
That is the number of "free" units u get
Just add on to your holdings
No need assign NAV price to it...

Pre-split no. x pre-split NAV = RMX
Post-split no. x post-split NAV = SAME RMX

This post has been edited by Pink Spider: Oct 18 2014, 10:10 AM
SUSDavid83
post Oct 18 2014, 10:10 AM

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QUOTE(Pink Spider @ Oct 18 2014, 10:07 AM)
Before split, u have 5
After split, u have 7
Extra u get, 2

^
The numbers for the factor calculation

Eh, why u bother with the calculation?

Just take the number of units u holding before split
Divide the number by 5 and multiplied with 2
That is the number of "free" units u get
Just add on to your holdings
No need assign NAV price to it...
*
Because I need to re-cal the average unit price after the split. sad.gif
SUSPink Spider
post Oct 18 2014, 10:11 AM

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QUOTE(David83 @ Oct 18 2014, 10:10 AM)
Because I need to re-cal the average unit price after the split.  sad.gif
*
u punya matematik... doh.gif

Your cost DIVIDE new total no. of units will be your avg price post-split lor

No need bother with the split calculation

Maybe your tracking worksheet different from mine unsure.gif

This post has been edited by Pink Spider: Oct 18 2014, 10:12 AM
SUSDavid83
post Oct 18 2014, 10:13 AM

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QUOTE(Pink Spider @ Oct 18 2014, 10:11 AM)
u punya matematik... doh.gif

Your cost DIVIDE new total no. of units will be your avg price post-split lor

No need bother with the split calculation

Maybe your tracking worksheet different from mine unsure.gif
*
I tried to figure out the whole night and I still can't brain.

Maybe I think too much! laugh.gif
SUSPink Spider
post Oct 18 2014, 10:15 AM

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QUOTE(David83 @ Oct 18 2014, 10:13 AM)
I tried to figure out the whole night and I still can't brain.

Maybe I think too much! laugh.gif
*
Hair is precious...don't lose too much of them laugh.gif

Distributions, splits, bonus issues, all those will mess up the average cost per unit calculation
That's why I gave up, I only track total profit/(loss) and IRR nowadays, too much numbers and % which may not help at all rclxub.gif
techie.opinion
post Oct 18 2014, 10:21 AM

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QUOTE(Pink Spider @ Oct 18 2014, 10:15 AM)
Hair is precious...don't lose too much of them laugh.gif

Distributions, splits, bonus issues, all those will mess up the average cost per unit calculation
That's why I gave up, I only track total profit/(loss) and IRR nowadays, too much numbers and % which may not help at all rclxub.gif
*
Second.
SUSDavid83
post Oct 18 2014, 10:28 AM

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QUOTE(Pink Spider @ Oct 18 2014, 10:15 AM)
Hair is precious...don't lose too much of them laugh.gif

Distributions, splits, bonus issues, all those will mess up the average cost per unit calculation
That's why I gave up, I only track total profit/(loss) and IRR nowadays, too much numbers and % which may not help at all rclxub.gif
*
I used the wrong ratio.

That's why everything wrong!

The ratio I used is 2/5 (2:5)

LOL

This post has been edited by David83: Oct 18 2014, 10:30 AM
hafiez
post Oct 18 2014, 10:59 AM

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QUOTE(Pink Spider @ Oct 18 2014, 10:15 AM)
Hair is precious...don't lose too much of them laugh.gif

Distributions, splits, bonus issues, all those will mess up the average cost per unit calculation
That's why I gave up, I only track total profit/(loss) and IRR nowadays, too much numbers and % which may not help at all rclxub.gif
*
Hahahah

Mine much more simple;

How much go in, how much right now. Then didnt bother for 3 months. Hahaha..
SUSPink Spider
post Oct 18 2014, 11:09 AM

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QUOTE(hafiez @ Oct 18 2014, 10:59 AM)
Hahahah

Mine much more simple;

How much go in, how much right now. Then didnt bother for 3 months. Hahaha..
*
To me, I just wanna know how much RM I have made
and
whether my investments are working harder than FD, EPF or not

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