Note - i assume you're not asking for DCA since if one DCA, one just "do it" rather than asking valuations
how about sector?
Energy - though be prepared to hold for 1 yr+ at least

Go in in 2 to 3 chunks / punts

Caveat emptor neh

This post has been edited by wongmunkeong: Jan 10 2015, 07:14 PM

Pink - methinks by succumbing to such URGES,
one "buys high" leh.

Shd move when MYR strong against USD or AUD or SGD last few years.

I'm currently contemplating selling or switching some CIMB Principal Global Titan Funds heheh (matter of how much only -urgh)
Just a thought

U? VietDong lar

eyes on WHICH "ball" bro?
distracting as U said

anyhow, seriously - one can use CALENDAR in google or yahoo or Outlook to do reminders ma.
similar to agents' reminders + less "distractions"

This post has been edited by wongmunkeong: Jan 14 2015, 08:09 AM

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..

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

AmCommodities looks better VS Manulife for 3, 2, 1 year(s) & 6, 3mths


Attached thumbnail(s)

one obvious one only gua:
the SERVICE-ing agent

one is DIY (hand-job on computer)
VS
the other is call-in and she/he does it for U

must lar - that 0.xx% difference means got honey or not that month

Joking Pink, joking.
U ultra-optimizer lar (i ultra-miser only )

ahem.. if her service is good + attractive investments/trades offered, U know what to do lar hor Pink gor

huh? someone called? whoa... lightning!
joking joking - stop poking needles into that voodoo doll

anyhow - YKLooi
eh.. just logic yar, haven't translated to google sheet or Excel yet to prove the point (which may be moot):
Clarifying your Q:
U are asking when more units (due to distribution reinvested):
a. impact of NAV going up
b. impact of NAV going down
AFTER the reinvestment?

If so, using Pink's moon cakes (yummy ):
1. no matter how many slices (units), after distribution is still 1 moon cake
2. Now, after (1.), price of moon cake goes up +20%, gain +20%
3. OR, after (1.), price of moon cake goes down +40%, lose +40%

that's it right?
didnt dive into the details & spreadsheet coz it may get lost in details the above big pix
Just a thought

This post has been edited by wongmunkeong: Jan 19 2015, 12:10 PM

Personally, i DID (past tense) both as:
1. Mutual funds was programmatic - die die, every quarter or every 4 mths sure value averaging or DCA (no fear / no greed)
2. Stocks - coz "value" spotted

However, personally, moving forward, i won't be doing MY stocks as
a. my mutual funds via EPF A/C1 $ is already covering MY equities
b. i've too much % in MY equities, thus using cash to get into non-MY equities
c. i may be buying foreign stocks that are held by my foreign equity mutual funds though - again, due to my personal valuations.

just a thought

yeah, from my understanding post #912 is getting into number of units and NAV
number of units * NAV = price of moon cake (looking at it as a whole value holding)
If price of moon cake down 33%, i lose 33% whether or not 100 slices or 10 slices of 1 moon cake, right or right?

either that or i'm missing something here

Yes of course - buy more units to get more profits OR losses

Pls dont mix 2 items together neh
a. If get MORE units via distribution, your moon cake value still the same
VS
b. BUYING MORE units via cash/EPF = your moon cake value = old moon cake value + new extra pumped in value


Thus IF (a.) no difference coz your moon cake value up/down 20% doesn't depend on the units added via distribution (NO ADDED VALUE)
VS
If (b.) - U gain / loss the EXTRA value U added via cash/EPF (INJECTION OF CAPITAL)

tiok boh?

This post has been edited by wongmunkeong: Jan 19 2015, 12:36 PM

aiya - not fight lar - clarifying. i may have understood wrongly
based on understanding, YKLooi's Q is in fact 2 very different Qs, thus can't compare
a. additional units received via distribution
VS
b. additional units PAID FOR

reason:
for (a.) - something happens first, called drop in NAV, thus bottom line still the same value / moon cake held
VS
(b.) - he bought additional moon cakes, thus gains or loses MORE if the market moves up/down big time

This post has been edited by wongmunkeong: Jan 19 2015, 12:41 PM

i think Guy3288 over simplified.
Keep in mind:
1. How much cost one paid
2. Value held

Based on (1.) & (2.), even with distribution, same result at POINT A right? (after distribution)

Then move forward 1 year, POINT B - goes up/down 20%
Thus at POINT B, one's net profit/loss also + or - 20% from POINT A right?

Thus, no matter what, look at (1.) and (2.)
If (3.) add more units via adding more cost - that must be taken into account lor (into 1. & 2.)

yar?
Step in/out (sorry - software developer here heheh) - U'll see the sequence and logic impact.
again - have i missed something crucial (hoping i did, thus learn something new)

This post has been edited by wongmunkeong: Jan 19 2015, 12:51 PM

die die must spreadsheet this hehe (to be clear and hope didnt miss anything logical)
https://docs.google.com/spreadsheets/d/1CSg...dit?usp=sharing



Hope this helps U (clarity) or me (learn something new)

Free & easily shared ma.
no upload upload issues

Let the entire thing load THEN save/export to Excel no issue.
the last time I tried, on/off issues coz I too impatient

Burn the k-pop & kurung (baju) heretic!!
sorry.. caught some zealots-stuff there

aiya - it's good for the heboh-an of investing mar...
at least attracts other forumers that have been "if-ing" for years
some of my own team members, after YEARS of sharing, last year or so only started "properly" (planned) instead of greed in, chicken out