Eyes on the ball indeed

If you think it through, EPF withdraw is only done every quarter. Not everyone is that tech savvy. Besides, she only prompt me four times in a year. Is that excessive?

Perhaps I didn't put it correctly n you misunderstood my intent being more focused on balls and reminders.

Though I check my portfolio every morning and read up on business news, there is always that gap and missed opportunity. An agent is the investors extended hand, otherwise why pay the premium and not just use FSM.

EPF is paying good dividend. Taking money from EPF to invest in Unit Trusts and paying service charge, do you actually get better return than simply leave them in EPF, no extra work, no need reminder, no hassle extra fees?

Addition:-

I just checked EPF online... This is what it had to say for dividend for year 2014



ftw?!

This post has been edited by aurora97: Jan 14 2015, 09:18 AM

If u did follow EPF for the past year, usually they only announced the dividend a lil bit later, not so early into January... probably Feb-Mar time, if not mistaken


Or just wait for them to announce it in the papers.

And it actually got mentioned that "Dividend Year 2014 (Dividend Not Yet Announced)"


This post has been edited by kabal82: Jan 14 2015, 09:28 AM

Wong Seafood,

Taxes deducted from bonus lesser than expected

Now I got a few hundred RM extra as ammo

Ada apa rekomendasi?

I know u bearish on developed markets via CIMB Global Titanic...

So, CIMB Asia Pac Dynamite Income, for more Aussie and Kiasuland exposure, ok? Or Asia ex Japan (more on ASEAN+HK) small-mid cap?

This post has been edited by Pink Spider: Jan 14 2015, 09:32 AM

yup you are right.

I just saw the second pop up when i tried and click on the 2015 statement. It's said the 2015 statement will be made available once the dividend has been declared.

Anyway, you decide whether dividend payouts by EPF are better than unit trust funds.

http://www.kwsp.gov.my/portal/about-epf/in.../dividend-rates

In the long run, good unit trusts like Affin Hwang Select Opportunity, Kenanga Growth, AMB Dividen Trust etc beats EPF hands down.

Don't see underperformance for 1-2 years and say UT<EPF

Not bearish lar - just not of value.
Asia is getting to be more value (excluding China)
ENERGY sector leh

Not bearish lar - just not of value.
Asia is getting to be more value (excluding China)
ENERGY sector leh?
Note - i'm prepared to hold 2 years or more

BTW, past 2 years or so, i was lustful for BRICS (China & India) & ETF CIMBX25 (now called CIMBC50) for China lelong..
last half or quarter 2014, up up and away..

AmCommodities look decent

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

But all the while I don't invest in sector-specific funds

Its main holdings...Exxon, Shell, Goldcorp...

I do have investment using EPF but thru PM UT funds... 1st time investor at that time, so far my PM UT funds i invest thru cash is better performer than thru EPF monies...

?
Most Consistent EPF-Approved Funds....February 19, 2014
In this article, we examine the performance of the most consistent EPF-approved Funds on our platform
Author : iFAST Research Team

BENCHMARK

Currently on our platform, there are a total of 86 EPF-approved funds (including Fixed Income, Balanced and Equity funds). You can use the fund selector function to filter these funds.

Minimum criteria: Achieved at least 6.5% every year from 2009-2013.

The results show that out of the 86 funds, 5 balanced funds and 9 equity funds successfully met the criteria.

http://www.fundsupermart.com.my/main/resea...?articleNo=4331

Some interesting chart to share



This post has been edited by Pink Spider: Jan 14 2015, 10:12 AM

correlation?
so have 1 have all?
what is NOT correlated?
to buy as counter balance?

Just to show that CIMB Global Titans tracks the 3 markets (US+Europe+Japan) quite well

Wisemen says "I change my thought when the facts / situation change"

I wonder any tools to know the funds correlation??

If have, then very useful for newbie like me.

Anyone knows this tool? I heard fund investment hoyse have this tool and very handy.

Correlation with what?

Against benchmark indices? Against peer funds?

Wong Seafood,

What u think of AmCommodities punya underlying holdings/target sectors?

FSM have another commodities/energy-focused funds, but the numbers not as nice as AmCommodities'...

http://www.fundsupermart.com.my/main/fundi...lnumber=MYML002
http://www.fundsupermart.com.my/main/fundi...lnumber=MYML002