How about stock market?

+-10% from 18.. cause of Symlife :C
haha u?

Who's tht pretty girl?

This post has been edited by woonsc: Dec 29 2014, 05:36 PM

how to see the full year ROI geh? go analyze portfolio there ah? i only know my full portfolio is +4% only

Must exclude CMF portion otherwise it will be very low

Use this formula:

Total Profit/(Loss) / (Portfolio value at beginning of year + Total amount invested/(withdrawn) during the year/2) x 100%

This is the most simple way of calculating 12-month return on investment

This post has been edited by Pink Spider: Dec 29 2014, 09:15 PM

if count like that, then its 8.8%.. use total profit ke? what if the profit is from 2013?

That's why it's best to try to keep track every year. If you take total profit, then 8.8% - previous year profit % would be this year ROI.

No, u must compare apple to apple.

Take only profit generated during past 12 months.

ok headache liao. i think last year im at -4%, so include this 8% this year, thats why my current holdings is +4%. make sense right?

how to know whats the profit generated in 2014 only ah?

take the total current holdings - total holdings of 2013?

I don't know wanna or

hahahah why la FSM dont give us a button to click to get this ROI thing

U got keep record of profit (in Ringgit figure) as at 31 Dec 2013 or not?

If no...then tricky a bit



Your portfolio VALUE as at 1 Jan 2014 is your (reset) COST for year of 2014.

Portfolio value as at 31 Dec 2014 - (Portfolio value as at 1 Jan 2014 + Total amounts invested/(withdrawn) during 2014) = Profit for 2014

E.g. portfolio value as at 1 Jan 2014 is RM10,000
During 2014 u total/net pumped in RM3,000
At 31 Dec 2014 your portfolio value is RM15,000
Profit during year 2014 is thus RM2,000

ROI = RM2,000 / (RM10,000 + RM3,000/2) x 100% = 17.4%

This post has been edited by Pink Spider: Dec 29 2014, 10:00 PM

Full year ROI... if you have excel, use the XIRR formula...

31/12/2013 (10,000)








31/12/2014 11,000 10.00%

The above figures are in cells A1, B1, A10, B10 and C10.
C10 has this formula: =XIRR(B1:B10,A1:A10,0.01)

- what is important is the total values of the portfolio at 31st Dec.
- Any new investments and withdrawals, add the dates and their values in between the above figures.
- Investments are in negative values

ah, thats what i thought too.

then i will recalculate

This is the most scientific/accurate way of calculating

My method is the more simplistic one.

boelh bagi excel?

Apa Excel...I already laid the formula bare there for u

can we apply a account for singapore fsm?

where got 'scientific'
got calculator, use calculator... got pc, use spreadsheet...

explained simple & quick estimate also no point, if people still ask 'formula'

yeah, easy & quick to estimate by roughly assuming all the new investments are at mid year and thus divide by 2... still get the 17.4% as checked out by XIRR formula.

31/12/2013 (10,000)
1/7/2014 (3,000)
31/12/2014 15,000 17.48%