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 Fundsupermart.com v8, The MS Excel Masterclass version!

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polarzbearz
post Feb 5 2015, 05:11 PM

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QUOTE(yklooi @ Feb 5 2015, 01:35 PM)
hmm.gif i was thinking of adding into the excel file ROI
ROI of each fund.....Cost of purchase vs current cost of the fund
ROI of portfolio.....Total cost invested vs current cost available
Simple BUT not sure if that is correct... 
notworthy.gif  unsure.gif  icon_question.gif
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QUOTE(Pink Spider @ Feb 5 2015, 01:38 PM)
U mean current VALUE? hmm.gif

Can be done...can...susah polarzbearz nanti brows.gif  tongue.gif  sweat.gif
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If that's the case, comparing COST OF PURCHASE vs CURRENT VALUE; do you take into account "CASH RETURN ON SELLING"?

Using extreme example where NAV price remains consistent throughout the tenure:

I buy RM1000 on 1/1/2015; current value at 1/1/2015= RM1000
and sold RM500 on 10/1/2015; current value at 10/1/2015= RM500
today as of 5/2/20-15; current value still RM500

based on above example, logically the ROI should be zero (we didnt earn or lose anything).

But if using your formula; COST OF PURCHASE vs CURRENT VALUE; I will get:

-RM1000 / RM500 = -200%, which is wrong.

if I use a modified variant CURRENT EARNINGS BASED ON CURRENT VALUE / (COST OF PURCHASE + CASH RETURN ON SELLING), I'll get 0 / (-RM1k + RM500) = 0%, which "looks" correct

polarzbearz
post Feb 5 2015, 05:42 PM

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QUOTE(Pink Spider @ Feb 5 2015, 05:13 PM)
That's why I said ROI is not meaningful if they're buying and selling wink.gif
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Haha. That's why I asked unker looi that question, as previously way before v1.3 I was already doing some testing for ROI and found it to be "not feasible" - unless it's a ONE BUY-ONE SELL transaction.

But with multiple transactions, the ROI's % will not provide any useful meaning; as the "base" to divide is not entirely based on your purchase price; it has to be based on your purchase price + cash obtained from selling - which could or could not make up your entire "invested amount" (charges incurred when buying is taken into account of Purchase Price; but charges incurred when selling are net-off in the amount already)
polarzbearz
post Feb 5 2015, 10:23 PM

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QUOTE(guy3288 @ Feb 5 2015, 06:54 PM)
After sell  must deduct la the proceeds. Units also become less already.

i do it this way: eg for CMF.

Say

1.1.14  Buy RM10000 CMF =10000 units eg.

1.2.14  Switch sell  RM5000 CMF  to UT A, balance  CMF units = 5100 units (note, CMF price keep going up) eg.

I do ROI and IRR For each fund.

So for CMF my cost = RM10k-5k = 5k.
say Current CMF 5100 units x current price, value = RM5050
so Profit 50/5000.

How can use current value minus original value if got  sell transaction.?

May be Polarzbearz can explain better. i consulted him on my old spreadsheet.
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I haven't compare your explanation with your spreadsheet yet. But from your explanation, yes we are on the same page. Sales proceed has to be incorporated into the Base (to be divided) for the formula to be accurate. Again, it's not feasible as it's not as consistent compared to internal return rate.

QUOTE(xuzen @ Feb 5 2015, 07:06 PM)
These people ar.... so typical engineer mind-set; spending wayyyyy too much tinkering with the processes!

Ooi People! There are money to be made out there in the wider market... not by looking at your beloved Excel sheet lar!  vmad.gif

Look forward and make money; not insular looking at your excel spreadsheet lar!

Xuzen
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QUOTE(TakoC @ Feb 5 2015, 09:17 PM)
All these people kena poison already. Nerds  tongue.gif
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Sorry lar cry.gif
The only way for newbie like me to contribute to this thread is through these nerdy tools. Investment outlooks, funds selection, advice etc I'm still learning from everyone here tongue.gif

Apa boleh buat...

QUOTE(woonsc @ Feb 5 2015, 07:36 PM)
Manu Sensex -1.8% as of 4 Feb

ada orang sakit hati ka?
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Been seeing "sensex" term alot. What's the actual name if this fund?
QUOTE(yklooi @ Feb 5 2015, 07:52 PM)
OMGsssss
if 200% is WRONG....DIE-lah...all my computation is  doh.gif  :
wandering how many or what else is WRONG....
must learn to use version 1.6 laio...
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sweat.gif good luck




polarzbearz
post Feb 5 2015, 10:23 PM

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QUOTE(nexona88 @ Feb 5 2015, 09:41 PM)
need to give some credits to the fellow who did the excel spreadsheet.. He did some quite good job  notworthy.gif 
and it's FOC  tongue.gif
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Thank you!

QUOTE(KVReninem @ Feb 5 2015, 09:44 PM)
mane? wink.gif
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First page =p


QUOTE(wongmunkeong @ Feb 5 2015, 09:51 PM)
TakoC - nerds built the Internet, Web, etc leh
Even FSM platform and thus made it cost effective for all.

Anyhow, any tools that make this CLEAR & provides FOCUS, why not?
It takes a bit of time & effort to learn & use a tool effectively mar, thus the discussions & debugging  brows.gif

I bet Xuzen's been tinkering with his own Excel or related-tools until he got it just the way he likes his Sharpe + whatnot ratios too  laugh.gif
U closet tinkerer U  brows.gif

Polarbearz -  thinkerers & builders build, thankless task but the "baby" created & the help it provides -  thumbup.gif
Sorry i didn't give a hand in debugging or suggestions - been hectic handling latest official stupidies lately + my approach is very different, all pure numbers, charts dilute it for me  laugh.gif
Your baby looks good!  notworthy.gif
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Thank you for your encouragement! After all my goal was to try and contribute to everyone, at least through things I'm familiar with tongue.gif
No worries on the debugging part, quite a few of the forummers here helped a lot with the debugging and formula checking (especially Pink Spider).

I myself also couldn't put my full effort /commitment into debugging or developing this tool as I'm also busy with my works, haha. Only doing it during free time.

This post has been edited by polarzbearz: Feb 5 2015, 10:25 PM
polarzbearz
post Feb 5 2015, 11:47 PM

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QUOTE(T231H @ Feb 5 2015, 10:27 PM)
india stock index tongue.gif
http://finance.yahoo.com/echarts?s=%5EBSESN+Interactive
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QUOTE(nexona88 @ Feb 5 2015, 10:31 PM)
http://www.fundsupermart.com.my/main/fundi...lnumber=MYML003
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QUOTE(woonsc @ Feb 5 2015, 10:53 PM)
India could be the next China <3

Sexy  wub.gif  wub.gif
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Ahh.. so sexydesu ka
polarzbearz
post Feb 9 2015, 11:30 PM

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QUOTE(jutamind @ Feb 8 2015, 03:50 PM)
polarberz, just tried the conversion tool v1.1 and realized that i cant use the Convert FSM Sales Data button if there's only 1 sales record. the same error happens for Perform Merging button. are these bugs or build on purpose?
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It is an intended validation feature built into the tool. Basically at the current way of coding the macro, one line conversation will have some nasty unintended effects, and thus are disabled laugh.gif
polarzbearz
post Feb 14 2015, 05:39 PM

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QUOTE(kimyee73 @ Feb 11 2015, 07:54 PM)
CNY promotion of 0.8% for selected clients only thru 27 Feb on all funds except Affin Hwang
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QUOTE(adele123 @ Feb 11 2015, 11:00 PM)
Yes. There's an Email by alfred. Promo from 12th till 27th... Applicable to epf too.
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QUOTE(kimyee73 @ Feb 11 2015, 11:31 PM)
Silver and above should receive it.
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I new member with less than 5 digits investment but got the email too. I think it's random laugh.gif
polarzbearz
post Feb 14 2015, 05:57 PM

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QUOTE(woonsc @ Feb 14 2015, 05:46 PM)
shocking.gif so lucky
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But no use also la.. No bullets to invest already. Only can do monthly budgeted investment cry.gif
polarzbearz
post Feb 22 2015, 04:20 PM

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Bought CIMB titanic fund with the CNY 0.8% promo laugh.gif

On a side note, anyone can teach me how to read their country allocation in the fact sheet? hmm.gif

http://www.fundsupermart.com.my/main/admin...etMYCIMB010.pdf

QUOTE
Principal GLB - US EQ-INST ACC 30.68%
Principal GLB - EUR EQ-INS ACC 19.88%
Schroder -ISF US Large Cap A Acc 15.34%
Schroder - ISF Euro Equity USD -A 15.10%
Schroder -ISF Japanese Opps USD A Acc 6.30%
Principal GLB - JAP EQ-INS ACC 4.71%
Cash 7.99%
Total 100.00%


Basically it's:-

US stocks 30.68%
EURO stocks 19.88%
US stocks 15.34%
EURO stocks 15.1%
JAP stocks 6.3%
JAP stocks 4.71%
Cash / Uninvested 7.99%

= 100% = US @ 46.02% | EU @ 34.98% | JAP @ 11.01% | CASH @ 7.99%
Am I right? hmm.gif

This post has been edited by polarzbearz: Feb 22 2015, 04:35 PM
polarzbearz
post Feb 23 2015, 05:56 PM

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QUOTE(dcs* @ Feb 23 2015, 05:54 PM)
May I know where you see this? Somehow I always seem to miss out on these promotions. Is there a specific place you guys go to for these promotions?

I tried to buy but it still shows 2% SC for me.
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It's a selected only promotions. FYI below tongue.gif

» Click to show Spoiler - click again to hide... «
polarzbearz
post Feb 26 2015, 10:41 AM

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QUOTE(adele123 @ Feb 26 2015, 09:26 AM)
i think you need to know how IRR is calculated. these people know and they are just mentioning those IRR numbers for fun. IRR is only good measure for investment >1 year IMO. or at least over a long enough period.

they probably invested 2 weeks to get those numbers.

actual return is very much less.
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QUOTE(wongmunkeong @ Feb 26 2015, 10:04 AM)
yeah Sis.
Some folks are newbies (ok lar) OR wood (literal translation from "kayu") that they can't tell a friendly banter/joke from genuine competition or discussion.  laugh.gif
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laugh.gif power of IRR calculation laugh.gif
polarzbearz
post Feb 26 2015, 12:11 PM

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QUOTE(woonsc @ Feb 26 2015, 11:58 AM)
yeap..  laugh.gif  7% means 9% gain after -2% SC
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Simplified yes correct, but mathematically wrong tongue.gif

Assuming your 7% gain is ROI - means that if I invest RM1000, I get RM70 profit = 7% ROI.

Sample --> Sales charge at 2%
Purchase NAV Price = RM1.00 per units. Total units held = 980.39 (after deducting 2% SC). Valued at RM980.39.
Current NAV Price = RM1.0914 per units. Total units held = 980.39. Valued at RM1,070.00.

Profit = RM70.00. ROI = 7%.

However, if we were to assume there was NO SALES CHARGE with the purchase of the same fund, with the same unit price increments....

Sample 2 ---> Sales charge at 0%
Purchase NAV Price = RM1.00 per units. Total units held = 1000.00 (no SC). Valued at RM1,000.00.
Current NAV Price = RM1.0914 per units. Total units held = 1000.00. Valued at RM1,091.40 .

Profit = RM91.40. ROI = 9.14%.


So I don't think you can directly +2% on your nett ROI.

And then again, there's no logic to deduct out the SC and include it as your gain because it is not your gain to begin with. It's a "fee / additional surcharges" incurred for investing. My point being, they've already calculated the nett profit for you, why you want to convert it back to "gross profit" again?

This post has been edited by polarzbearz: Feb 26 2015, 12:15 PM
polarzbearz
post Feb 26 2015, 04:00 PM

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QUOTE(woonsc @ Feb 26 2015, 12:43 PM)
cause kan.. if u get like 0.57% SC you feel better maa.. more money invested
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But it's not the case right? So no point converting the nett ROI back into Gross ROI tongue.gif
polarzbearz
post Feb 26 2015, 05:39 PM

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QUOTE(Kaka23 @ Feb 26 2015, 05:13 PM)
wah! Everybody working hour also so active in this lowyat!!

I envy you guys!!!
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working hours 404

today gua MC whistling.gif whistling.gif
polarzbearz
post Feb 26 2015, 10:13 PM

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QUOTE(David83 @ Feb 26 2015, 07:23 PM)

RHB-OSK Cash Management Fund 2- Coping With Rising Interest Rate Environment?

CONCLUSION:

In line with the expectations of a rising interest rate environment in Malaysia moving forward, we advise investors to consider placing their money in the RHB-OSK Cash Management Fund 2, which provides investors with the much-needed liquidity while at the same time, offers reasonable and stable return. Moreover, this fund can serves as a parking facility for investors who wish to store their monies in preparation for investment opportunities that rarely present themselves and which are usually short lived. Another additional plus to this fund is that there is no sales charge and the minimum investment amount is RM500, which is relatively lower than most of the unit trusts available on our platform.

Investors who are keen to know more about this fund can obtain additional information from the fund’s fact sheet (click here ). If investors have any particular inquiry on this fund, they can kindly contact our friendly Client Services Specialists (CIS) at +603-21490567 (KL) and +604-6401567 (Penang).

URL: http://www.fundsupermart.com.my/main/resea...?articleNo=5553
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Hmm, this is interesting. Currently I have stopped "renewing" the monies I've been always parked at FD, as I want to use them to offset my upcoming home loan's interest charged (reduce principal amount).

However, the loan has not been disbursed by the bank yet and due to this, I've been wasting a few weeks (of not renewing the FD's) and sitting in the current account doing nothing.

Anyone know the transaction times / days required to cash-into CMF; and then cash-out from CMF to our bank account?
polarzbearz
post Feb 26 2015, 11:10 PM

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QUOTE(T231H @ Feb 26 2015, 10:28 PM)
from FSM FAQs.....after redeem CMF...
seems like T+2....PLUS, if by

2) Cheque by mail:

If you do not register a bank account in our system, we will mail out the cheque on T+2, T+4, T+5, T+6 or T+7 business days according to the funds sold as stated above. Mailing will take another three to five business days for the cheque to reach you. We will make out a cheque to the name based on your IC or passport name in your application and mail it to your mailing address.Please update your mailing address should there be any changes.

3) GIRO Transfer:

If your bank account is opened in Malaysia, we will transfer your redemption proceeds directly into your designated bank account on Settlement Date. Please note that the banks may take another day or two to complete the transaction.

To update your bank account, go to MY INVESTMENTS-> UPDATE ACCOUNT-> REDEMPTION INSTRUCTION.

I think pink got the experience...

Btw,,,,i read somewhere in lyn.....housing loan interest rate is "low"...use the cash to do investment much better....
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QUOTE(Pink Spider @ Feb 26 2015, 10:29 PM)
Buy...immediate i.e. u get yesterday's NAV (CMF is the "special one") if your buy transaction and payment is made by 3PM.

Sell...T+2 i.e. transaction day + 2 business days. E.g. u sell on Tuesday by 3PM, by today noon u see the money in your current/savings account if u elect to have FSM bank in/GIRO remit to u.
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I see. So basically 1 day (or 0 to be exact) for buy and 2 days lag for sell.. guess I'll put some in first while waiting hmm.gif

That portion of money "cannot be invested" as it's part of my emergency savings and thus, has always been placed in FD and renewed and since Housing Loan has higher interest rate than FD's, I decided to park it there instead.
polarzbearz
post Feb 27 2015, 11:46 PM

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QUOTE(adele123 @ Feb 27 2015, 09:03 AM)
so happen i did "SELL" CMF on tuesday. i checked yesterday afternoon... money was already in.
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hmm.gif I see.

Seems like buying is also T+1, not T+0 (even if completed payment way before cut-off time sad.gif)
polarzbearz
post Feb 28 2015, 09:43 AM

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QUOTE(Pink Spider @ Feb 28 2015, 09:33 AM)
Buying is T+0 if before 3PM lar
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Definitely the payment cleared before 3PM, cause I transferred the payment on T-1 tongue.gif

I even got the email of Payment Receipt on 11am I think (on T+0) but now the fund is still "Processing" cry.gif
polarzbearz
post Feb 28 2015, 10:05 AM

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QUOTE(Pink Spider @ Feb 28 2015, 09:51 AM)
doh.gif

The purchase transaction will take days to be COMPLETED

But u certainly will get NAV price of T-1
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oooo... the T+1 T+0 thinggy is the "NAV Price" that we'll be paying for? Not the "processing time" to complete? icon_question.gif
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