Must exclude CMF portion otherwise it will be very low

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.

Pink Spider For yearly ROI calculation, how do you factor out CMF portion?

If during the year, you sold off a fund, but you only reinvested part of the capital with the remaining in CMF?

Thanks.

Btw, why you still holding DiGi? At current level DY should be below you wanted right?

Ahh, okay. Trying to hunt for some good DY stocks to invest. Just moved part of my FD into CMF to get better rates.

Haha. I know Homer is like your mistress now. Love till hangus

Well, firstly my FD is originally a place merely to temporary keep my cash until I have stocks to invest in. But I foresee myself staying out of stock market for he year (first 5 days of trading is an indication for KLCI for the rest of the year for me). Currently 2 out of that 5 is red.

I'm not sure about the promotions FDs as I do not follow closely. All my FDs are placed online to allow me to uplift them easily. 3.7% is kind of a good deal for me considering some DY stocks only give an average 4% now with potential capital downside risk. Not too shabby I would say.

Now which region can top up. Everyone still high in valuation..

Actually got la. But VERY minimal.

Chill guys

Oops. Did I brought it up?

This post has been edited by TakoC: Jan 19 2015, 10:40 AM

Cause I knew a fund manager.

So I asked him to seperate calculate the following day NAV if the fund didn't have declared the distribution.

VERY minimal la.

Not tax. More of the calculation of the units to be distributed.

For sure when they calculate the units, it won't be perfect due to decimal places.

Those that made use of the 0.5% and topped up Ponzi 2.0 shall benefit from the dropped in HSI and SHCOMP today. Win-win.

Pattern King

unker looi said u got creative way to explain

Overall portfolio return went up a lot the past 5 days.

The SC charges for Ponzi 2.0 also recovered. Just saying.. Lol

Ponzi 1 or 2?

Not keen on topping up HSAQ. I'm comfortable with my Malaysia exposure at the moment.

In terms of 2, after I topped up my China/HK only went up by 1%. So that's fine too.

Currently, my region exposure are quite balanced Malaysia. China/HK both at 13%. US and Europe at 10% and 12% respectively.

Today updated NAV should be even better. Yesterday SCOMP up 4%.

2 aunties is it?

This thread lately new wind direction. All so technical. Must discuss about regional exposure, moving forward in FY15 strategy and stuff also la. Those more value adding - where you invest, what you invest make you money

Not wanting to contribute to the already-technical topics in this thread, but I can't help but to wonder. CMF reported daily interest rate of ~3.8%.

For FD. If you put 1 month, it's 3% (assume 3%. easier to calculate).
So every month your interest is 3% * RM5,000 (assumed capital) * 1/12 = RM12.50. Easy because 3% is annual % so just monthly apportion it.

So how to calculate CMF? 3.8% * RM5,000 * 1/365 for every day. Multiple 30 to get monthly. You get RM15.xx. Additional RM3 bucks only wor.