I really envy you Cybermaster. Everytime you pose a question, sifus will come out from the woods or from their hibernation mood to help you. I have never even seen some of the sifus here before.

What is your secret ah?

They know im a noob la. U sifu class ma.

Are some of your investments still "hanging" in cyberspace? i.e. still in switch mood or buy mood?

Or you are suffering losses on some of your current investments but overall you have made profit from day one since you invested in FSM as shown in "analyse my portfolio".

No pending investments. I think overall ive made a profit since my I started my UT journey in July 2014.

But why would FSM have two different dashboards that show different P&L?

Ur snapshot only shows ur current holdings. If U have sold and profitted before, it will not be reflected in ur current holdings. Nice investment value btw =D

I don't have HSAQ and HSAO in my portfolio so I can't comment much. I would prefer to add/include the following as part of my core portfolio:-

(1) GTF;
(2) Aberdeen World;
(3) KGF;
(4) EISC;
(5) Ponzi 2; and
(6) One of the Asia Pacific (ex Japan) from Kenanga or Eastspring fund houses (optional).

I think your supplementary portfolio can be spiced up a bit if you can take the heat. See for e.g.:-

(1) Libra Consumer and Leisure Asia Fund;
(2) Franklin US Opportunities (I think you will qualify); and
(3) RHB-OSK Asia Financial Funds.

Best of luck Mr. Looi.

This post has been edited by Vanguard 2015: Apr 27 2015, 05:18 PM

One last note Mr. Looi.

I think we need to aim higher. 8% ROI seems a bit too low compared to the risk that we are taking. I mean we are talking about potentially 20% to 30% of our investment being wiped out on paper within 1-2 years.

A 10% ROI will only translate effectively into a real return of 6.8% (after taking inflation into account). Therefore a 8% ROI will translate into a real return of....?

Therefore although it may sound ambitious, we need to aim for a ROI of 10% to 12.6% a year. Is this possible? I think so. But can it be guaranteed in a short term investment? I don't think so.

How does UT investment compare with ASB I wonder. Clean 7.5-8.0% interest minus the considerable risk.

Analyze includes everything since day one. Current is only current (what you are still holding.)

Yes that's what I figured.

The 'view holdings' page reflect your profit/loss based on your current holdings while the 'analyse your portfolio' page gives you a profit/loss number by comparing your total investment against your current total fund valuation.

If you qualify to buy ASB with unlimited quota, then no need to buy UT in Malaysia. It does not justify the risk and the time spent.

I only started investing back in unit trust since December 2014 with FSM. Before that, it was a rigged game with sales fee of 5% to 6% for UT. When you bet against the casino, you want to improve your odds of winning. But with a sales fee of 5% to 6%, sadly, it was a loser's game.

Retail investors will only win when the sales fee drop to 0% or 0.5% permanently with all equity funds. Wishful thinking? Perhaps. But I thought they have zero sales fee for FSM Singapore?

This post has been edited by Vanguard 2015: Apr 27 2015, 05:53 PM

ASB has a limited quota of RM 200k, but in my opinion, it is better to invest in unit trust rather than ASB if you are investing in the long term.

ASB only provide a consistent return of 7-8% while unit trust in long term is very likely to outperform this return as long as you pick out the right funds. Even the difference of 1-2% return per annum is actually a huge difference in the long term.

ASB is great for short-term savings or investment (below 10 years), but for me, taking some risk in unit trust is much more worth it for long term investment.

Also, you can actually get lower sales fee if you take advantage of discounts or negotiate fees with your licensed financial planner.

World shares hit new high but Europe rally fades on Greece

LONDON (Reuters) - World shares hit a new high on Monday, led by China, though the global rally faded in Europe as investors looked ahead to central bank meetings in the United States and worried over Greece.

URL: http://finance.yahoo.com/news/asian-shares...-040957832.html

But how much Sensex has dropped? LOL

Sensex Sheds 1,867 Points in 9 Days; Nifty Turns Red For 2015





http://profit.ndtv.com/news/market/article...for-2015-758514

Taiwan Dollar Jumps Most in 15 Years as Stock Inflows Boost Won

URL: http://www.bloomberg.com/news/articles/201...flows-boost-won



First HK, now TW.

Japan Rating Cut by Fitch as Budget Fails to Offset Tax Delay

Fitch cut the nation’s long-term default rating by one step to A, with a stable outlook, it said in a statement released Monday in Tokyo.

URL: http://www.bloomberg.com/news/articles/201...ffset-tax-delay

NIKKEI and TOPIX will torpedo downward tomorrow?

Today's closing is 0.18% lower for NIKKEI 225.

So what funds now are Taiwan focused?

There's no single country fund for TW.

You need to find those Greater China fund.

CIMB-PRINCIPAL GREATER CHINA EQUITY FUND has 18% at TW