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 Fundsupermart.com v8, The MS Excel Masterclass version!

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SUSyklooi
post Jan 19 2015, 12:20 AM

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QUOTE(guy3288 @ Jan 19 2015, 12:06 AM)
yklooi, dont worry, i know what you mean.

as the general impression is -> with dividend distribution, people  get more units, so when price up they will gain more.

you are trying to show the opposite, you tell them dont be too happy, you can also lose more when the price drops.

but i disagree with that argument. dropping 1 sen from RM0.50 surely is not the same as dropping 1 sen from Rm1.00. It is a 20% vs 10% drop.
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rclxms.gif Yes that was the idea,...but seems like got stuck for 1 hour liao.
hmm.gif any idea how to show the opposite?
guy3288
post Jan 19 2015, 12:28 AM

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QUOTE(Pink Spider @ Jan 19 2015, 12:09 AM)
End of the day, I just want to say this to those who don't understand the complex mechanism of unit trust NAV pricing...

Don't even look at the NAV price or the no. of units u have, just look at this - TOTAL VALUE OF HOLDING

Any other thing just doesn't matter at all.
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i dont know how to put it, but i know you are very much against what i am about to say..
.... No one can time the market, so just buy at any time , any price, does not matter how many units you get?

Fo practical purposes, not academically, I feel NAV and no of units are important. They are the product what total value is.

"Cancellation off" effect (as in distribution/dividend where NAV down, No. of units up) aside, a person who gets more units for the same amount of money put into the same UT is in better position to profit.

Give RM10k to A and B - to buy the same UT.

If A managed to enter at lower NAV, he gets more units.

B enter at higher NAV, he gets less units.

When distribution time comes, A's gain will be further amplified. he will get more than B.

So in this sense, the no. of units matter. The NAV we enter too.


polarzbearz
post Jan 19 2015, 12:36 AM

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QUOTE(Pink Spider @ Jan 17 2015, 08:05 PM)
With so many posting their portfolio asking for opinion...

Rather than giving opinion which may or may not be helpful, I'm gonna teach u guys how to really see how your portfolio looks like...

Go download the latest fact sheet of your funds
Then see what are the countries/sectors/asset classes that it invests in

E.g. CIMB Global Titans as at Nov-14 fact sheet has 51.8% in US, 35.7% in Europe, 11.8% in Japan and the remainder in Cash. U have RM10,000 worth of holdings in CIMB Global Titans.  Your total portfolio is RM50,000.

Thus, RM10,000/RM50,000 x 51.8% is exposed to US

Do this for the other funds.

Then u can construct a picture of the allocation of your portfolio.

U don't have to do it 100% the way I did it, improvise and find a way which suits u.

Attached is mine:
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Created a new spreadsheet based on your advice so that I can visualize my freshly started portfolio laugh.gif
Attached Image


SUSyklooi
post Jan 19 2015, 12:42 AM

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QUOTE(polarzbearz @ Jan 19 2015, 12:36 AM)
Created a new spreadsheet based on your advice so that I can visualize my freshly started portfolio laugh.gif
Attached Image
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rclxms.gif Bravo...soooo nice the charts.
seems like no US, Japan & Europe...need Cimb Global Titan Funds???
polarzbearz
post Jan 19 2015, 12:44 AM

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QUOTE(yklooi @ Jan 19 2015, 12:42 AM)
rclxms.gif Bravo...soooo nice the charts.
seems like no US, Japan & Europe...need Cimb Global Titan Funds???
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Haha, no bullet liao. I only dare to touch some extra funds to invest sweat.gif

Next bullet will be the monthly RSP, but still haven't decide on a fund yet laugh.gif
SUSPink Spider
post Jan 19 2015, 12:52 AM

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Wow...nice charts! wub.gif
SUSyklooi
post Jan 19 2015, 12:58 AM

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QUOTE(polarzbearz @ Jan 19 2015, 12:44 AM)
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just 1 question..on the "by Country" chart
the 45% Malaysia is include both the EQ and bond?
if yes,...I think better separate as I "think" your "by country" charts is cater for EQ.
seems Malaysia % not tally between "by Types and Country" and "By Country"
I maybe wrong...have a review. notworthy.gif
also why the vertical % lines in the "by type and Country" not tally?
ex..the FI is 41% but the vertical is about 39%
SUSyklooi
post Jan 19 2015, 12:59 AM

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QUOTE(Pink Spider @ Jan 19 2015, 12:52 AM)
Wow...nice charts! wub.gif
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rclxms.gif setting new benchmark!!
polarzbearz
post Jan 19 2015, 01:16 AM

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QUOTE(yklooi @ Jan 19 2015, 12:58 AM)
just 1 question..on the "by Country" chart
the 45% Malaysia is include both the EQ and bond?
if yes,...I think better separate as I "think" your "by country" charts is cater for EQ.
seems Malaysia % not tally between "by Types and Country" and "By Country"
I maybe wrong...have a review.  notworthy.gif
also why the vertical % lines in the "by type and Country" not tally?
ex..the FI is 41% but the vertical is about 39%
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Let me check the autosum value and table values tomorrow laugh.gif
polarzbearz
post Jan 19 2015, 01:17 AM

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QUOTE(Pink Spider @ Jan 19 2015, 12:52 AM)
Wow...nice charts! wub.gif
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I just combined both the chart shown by you and yklooi's table posted few pages pack tongue.gif
JAIDK23
post Jan 19 2015, 01:22 AM

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QUOTE(polarzbearz @ Jan 19 2015, 12:36 AM)
Created a new spreadsheet based on your advice so that I can visualize my freshly started portfolio laugh.gif
Attached Image
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haha we're in the same boat dude whistling.gif
cappuccino vs latte
post Jan 19 2015, 01:54 AM

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QUOTE(guy3288 @ Jan 19 2015, 12:28 AM)
i dont know how to  put it, but i know you are very much against what i am about to say..
.... No one can time the market, so just buy at any time , any price, does not matter how many units you get?

Fo practical purposes, not academically, I feel NAV and no of units are important. They are the product  what  total value is.

"Cancellation off" effect (as in distribution/dividend where NAV down, No. of units up) aside, a person who gets more units for the same amount of money put into the same UT is in better position to profit.

Give RM10k to A and B - to buy the same UT.

If A managed to enter at lower NAV, he gets more units.

B enter at higher NAV, he gets less units.

When distribution time comes, A's gain will be further amplified. he will get more than B.

So in this sense, the no. of units matter. The NAV we enter too.
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From my point of view, 'A' has taken a longer investment horizon so that achieved higher gain compared to 'B' with shorter period.

It doesn't matter whether a fund distribute dividend or does not practice such distribution policy.

[attachmentid=4306805]

This post has been edited by cappuccino vs latte: Jan 19 2015, 02:03 AM
Kaka23
post Jan 19 2015, 05:50 AM

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Haha.. I knew it. Another distribution discussion here...
SUSPink Spider
post Jan 19 2015, 07:25 AM

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QUOTE(Kaka23 @ Jan 19 2015, 05:50 AM)
Haha..  I knew it. Another distribution discussion here...
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salah Unker Looi! mad.gif vmad.gif
river.sand
post Jan 19 2015, 08:25 AM

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QUOTE(Pink Spider @ Jan 18 2015, 09:24 PM)
CIMB Asia Pac Dynamite Income? brows.gif
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ya ya icon_rolleyes.gif
yeowhock
post Jan 19 2015, 08:44 AM

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Nice efforts explaining a clearer picture of nav, no.units n distribution, a better understanding for me, i like the mooncake explanation smile.gif
SUSPink Spider
post Jan 19 2015, 08:56 AM

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QUOTE(yeowhock @ Jan 19 2015, 08:44 AM)
Nice efforts explaining a clearer picture of nav, no.units n distribution, a better understanding for me, i like the mooncake explanation smile.gif
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And market crash = Biawak shit laugh.gif
SUSDavid83
post Jan 19 2015, 09:57 AM

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China market plunges. Shanghai bourse drops > 4%

URL: http://www.bloomberg.com/news/2015-01-19/c...uspensions.html
adamdacutie
post Jan 19 2015, 09:59 AM

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QUOTE(yklooi @ Jan 18 2015, 09:58 PM)
rclxms.gif yes, this I agree...this is before and after distribution...
what about months later....RM 0.1 drop....

this is assuming comparing with another exact fund (Impossible to have, but just for comparing sake) that did not give distribution is also dropped by RM 0.1

Fund A I lost RM 2000, fund B I lost RM 1000
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Kinda agree with looi ... Its a double edged sword
SUSPink Spider
post Jan 19 2015, 10:01 AM

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QUOTE(David83 @ Jan 19 2015, 09:57 AM)
China market plunges. Shanghai bourse drops > 4%

URL: http://www.bloomberg.com/news/2015-01-19/c...uspensions.html
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Dragonland stocks have been very unpredictable and volatile lately

Nvm lar, its 3-months, 6-months and 1-year returns have been Ponzi-like laugh.gif

Kangarooland rallying 1%

QUOTE(adamdacutie @ Jan 19 2015, 09:59 AM)
Kinda agree with looi ... Its a double edged sword
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I ask biawak shit on your mooncake vmad.gif

This post has been edited by Pink Spider: Jan 19 2015, 10:04 AM

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