This worksheet is just to track your UT transactions, your spendings whatsoever has got nothing to do with it.

if I want to do it,...I would do
1 IRR or XIRR for EACH fund that I am planning to have investment movement...so that I know what is the performance of the fund
(I would NOT compare the IRR or XIRR Performance AGAINST each other funds in the portfolio as their objectives/mandates/coverage are different, UNLESS one is a rear view mirror investor that FOCUSED on the performance and want the BEST return for his investment irregardless of where the funds are invested, which is against the normal wisdom of diversification)
1 IRR or XIRR for the portfolio, where data inputs are entered once there is movement in any of the funds that is in the portfolio....so that I know what is the performance of my portfolio.

don't ask me what is IRR or XIRR....I got no clue unless I google....

I think it is NOT necessary to be 100% correct/accurate to all, just have the system right or the right system, update when there is movement.....there is no auditor to audit you...if the system is wrong,...so be it, for at least you got the consistence data....eventhough it maybe wrong to others....just consider it as a different set of accounting system. (international US against Chinaman) who cares as long as you know you can do it CONSTANTLY with EASE.......
....now how to get the system right or right system?

This post has been edited by yklooi: Jan 12 2015, 07:37 AM

thanks for the comment.
for now just use fsm summary.......

Just remember...

The worksheet is to track your UT TRANSACTIONS and the growth rate of your UT portfolio.

Anything else is not relevant.

FSM summary does not compute IRR or CAGR of your investments, though the "Analyse My Portfolio" function comes quite close.

IRR/CAGR is used to assess, whether our UT investments are working hard enough, whether it can beat FD and/or EPF. If not, might as well dump all in FD.

This post has been edited by Pink Spider: Jan 12 2015, 09:08 AM

Thought of calling FSM to ask about the 2% SC that imposed on me when I bought Affin Hwang Japan Growth Fund last Saturday using CMF.

At first thought must use FPX to be entitled for 0.5% SC but after reading the T&C from the handout from their fair, using CMF to purchase is also entitled for the 0.5% SC promotion.

The FSM guys have already adjusted the SC to 0.5% when I checked earlier this morning.

Very good. Me manage to get 0.5 fees on topup yesterday. Topup via FPX.

I see RO Player is back

the fortune teller

Bro spider,

do u mind to include the CAGR in the existing IRR template ? can it be done?

CAGR is not useful (actually, cannot be used!) when u got top up

CAGR is only usable for 1 lump sum, one-off investment

IRR and CAGR actually are 99% the same thing

after an email to fundsupermart on their promotional sales charge, their reply was this

"Thank you for your email.

Please be informed that the sales charge for your purchase order should be 0.5% instead of 1.75%.

Due to our system restriction, the purchase order via RHB-OSK Cash Management Fund 2 will still show the normal sales charge. Nonetheless, we have manually adjusted the sales charge for your purchase order to 0.5% accordingly.

Any confusion caused to you is much regretted.

Should you need further assistance, please feel free to contact us."

so when you buy with cash or cash management fund, the sales charge is 0.5% . due to their system problem, they will show 2% sales charges when you purchase using cash management fund but it will be reverted back to 0.5% , gonna try again next sat.

I give it a pass for last Sat as my indicator for all funds that I have is bad except HSAQF. Will check again for this coming Sat if any I can buy. The "expert" said ASEAN, Apac REITS and Japan are good, so the non "expert" tai kor say good or not?

Only 50 early birds get it and I did not get it Thought I was quite early when arrived but looks like lots of people already there.

Ok. noted. then I shall use IRR template. I heard you are an ACCOUNTANT.

Ok..noted bro spider.

I will use the IRR template you shared.

if the IRR shown is 10% (let say), it means with the money I invested, I had generated 10% per annum so far?? can i have this kind of thinking? was is nett profit or gross profit?

IRR is all about cash flows - money paid, money received, current value, and nothing else

So, it's net profit (except for funds that have exit/redemption fee e.g. AmDynamic Bond which has 1% exit fee)

To put it simply, let's say if u have invested for 6 months, and u get IRR of 10%, ASSUMING your investment continue to grow at the same rate, u will get 10% p.a.

IRR also means annualised growth rate.

ACCOUNTANT? I'm just a drunkard

This post has been edited by Pink Spider: Jan 12 2015, 02:58 PM

Oh really. Sad to hear that. I thought majority did get since the hall is not even full house.

There are more than a hundred peoples in the hall.

bro,

will you be going this Saturday? what time?

bro,

will you be going this Saturday? what time?