yklooi reporting in, boss

(something to remind myself in V8)
Rise and Fall of the KLCI Index (1984 - 2014).
RM100k invested in 1984 till now 2014 is now worth RM500k....what is the IRR/XIRR? = 5.51% IRR
page 24 post 464
more units Better?
Page 53 post 1060
what to buy any recommendation?
Page 67 post 1328, page 68 post 1355
I am a High/moderate/low risk person, what to buy?
Page 69 post 1371
portfolio construction
Page 108 post 2145
Distribution or Dividend (the correct term)
Page 124 post 2466 and reason for that page 125 post 2494

Currently im able to save around rm XXX per month from my salary. I know just saving in bank is no use. So my question is what is the options for me to invest?
read post #6 and post #8
https://forum.lowyat.net/topic/3493626/+0#entry73266937

AMP Capital: 21 Great Investment Quotes
http://www.fundsupermart.com.my/main/resea...?articleNo=5564

The price of KGF fund just dropped alot....should I enter now?
what caused it's dropped?
did it dropped because of income distribution or because the market(s) in which the fund invested in had corrected/crashed thus causing underlying stocks invested by the fund undervalued?
Based on "PAST" performance of KGF......I think anytime is ALSO a GOOD time to invest........buy when market dips (not NAV dipped due to income distribution) is always better.

".....investors should never solely judge if a fund is cheap or expensive based on its fund price. Instead, investors may find it more helpful if they are aware of the valuation (or estimated price-earning ratios) of the underlying equity market which the fund invests in. It is also useful to observe how a fund has performed over a period of time rather than just for short bouts of time. "
http://www.fundsupermart.com.hk/hk/main/re...?articleNo=2690

Lipper’s Head of Research Shares Fund Selection Tips
http://www.fundsupermart.com.hk/hk/main/re...No=4017&lang=en


How do I know which Unit Trust to buy?

Before you jump in, there are several things which you need to find out about yourself. Your risk tolerance, investment goals, time horizon and so on. Go to FSM Getting Started section to find out more. After doing that, you should find the fund whose investment objectives match your own. Make use of FSM Fund Selector and read our fact sheets to compare and contrast the unit trusts available. You may also read FSM Funds' recommendations. Soon you will find one which you are comfortable with. Start with that first. As you gain more confidence and understanding of unit trusts, you may then invests more.

What is risk in investing?
The bottom line is that risk can mean different things – volatility, the risk of capital loss, the risk of not having enough income from your investment and the risk of not having enough in retirement. Each of these risks can be of greater or lesser importance depending on your stage in life, how much capital you have and your tolerance for risk. What’s more risk is perverse. The risk of capital loss is often highest when you think it is low (ie after good times) and lowest when you think it is high (ie after a bad patch).
http://www.fundsupermart.com.my/main/resea...?articleNo=5688

FUND FACT SHEET USER’S GUIDE
This guide will help provide a glossary of terms and benchmark definitions commonly found on fund fact sheets
https://www.nctreasurer.com/ret/401k%20Plan...etUserGuide.pdf

This post has been edited by yklooi: Apr 10 2015, 09:59 AM

from my own perspective ONLY....
what's the reason for bolehland stocks n UT going up?
without the resources to have latest financial economic reports, like FDI, Foreign institutional fund flows etc, etc...
(even if those data are provided, I does not know how to interpret them....even if I know how to interpret them, I really cannot tell why the market go against it at times...guess mkt is just too unreliable or too unpredictable)
can only GUESS....
1) Oil prices stabilized and had nudge abit up
2) announced Malaysia development projects are on going...
3) Monthly TH, EPF, KWAP, financial institutions monies collected had to go somewhere (30 out of 900+, can change the index and the perception of many......)

Else use the (as at Mid to End January 2015) data & monthly reports provide by the FHs....
https://www.kenangainvestors.com.my/KIB/KIB...SummaryNote.pdf
http://www.eastspringinvestments.com.my/do...sight.final.pdf
http://www.affinhwangam.com/fund-managers-views/fundamentals

This post has been edited by yklooi: Mar 1 2015, 08:20 AM

GOOD Morning to you too and wishing you a safe and enjoying day to you and your family.

This post has been edited by yklooi: Mar 1 2015, 08:18 AM

China cuts rates again
•28 Feb 2015 at 18:09

BEIJING — China on Saturday cut interest rates for the second time in three months, adding to signs that Chinese leaders are worried that the economic slowdown is deepening too sharply.

The People's Bank of China announced a rate reduction on one-year loans by commercial banks by 25 basis points to 5.35%. The interest rate paid on a one-year deposit was lowered by 25 basis points to 2.50%.

Rates were last cut on Nov 22. The new rates will take effect on Sunday.
http://www2.bangkokpost.com/business/finan...uts-rates-again

try this
http://juristech.net/juristech/impact-mala...ring-singapore/

my say is...read from the web....many countries had experienced slight domestic downward consumption pressure for the first few months.....then back to normal....
but since we are in UT (more diversified in sectors) and not so much of local targeted stock picking....I guess the local FMs with all their "xpertise" "SHOULD" know where to move "MY" monies...

just a note of caution...NOT all local FM are the SAME....
goto FSM website....funds info/fund selector/select Equity under Main Categories/under Geographical Sector...select Malaysia....

look at the annualized returns of over 5 and 10yrs.....you will see what I mean.
(yes, past performance may not be an indicative of possible future performance)

yes,..that is correct....
I know that there is tis1 guy that had been so "Super Super unlucky"
ROI from May 2013 to Dec 2013 is -0.1%
ROI from Jan 2014 to Dec 2014 is + 2.3%
Definitely MUCH less than FD rate
super unlucky you will probably end up beating the FD rates
super super unlucky you will probably end up beating LESS than the FD rates
that guy is me....

thanks for the optimistic encouragement...
had been 1 1/2 yrs laio
can't wait for next 10 yrs liao...

in the meantime...I liked the first 20 seconds of this video....
my luck is changing....
https://www.youtube.com/watch?v=aU0kJYDd464


This post has been edited by yklooi: Mar 1 2015, 01:55 PM

another 10 yrs will have to leave them to the beneficiaries...

good point.
jus googled and found this
What is the Difference Between Gambling and Investing?
http://www.investorguide.com/article/12525...-and-investing/
Investing Vs. Gambling: Where Is Your Money Safer?
http://www.investopedia.com/financial-edge...oney-safer.aspx
Are You Investing Or Gambling?
http://www.investopedia.com/articles/basic...or-gambling.asp

always prepare with an END point in mind....the REST is "Bonus"

what ever YOU want me to be....

Ringgit falls, leading retreat in Asian currencies on China rate cut
PUBLISHED ON MAR 2, 2015 10:10 AM
KUALA LUMPUR (Bloomberg) - The ringgit fell, leading Asian losses, on concern China's latest interest-rate cut will spur weakness in the yuan and hurt Malaysia's exports. - See more at: http://www.straitstimes.com/news/business/...h.Fi2nQcb9.dpuf

mine is ok...
Can't Login? Just Follow These Steps! June 23, 2014
Now, we’re fully aware that many account holders have been unable to login to their accounts. If you’re one of them, we sincerely apologise for this issue. However, there’s good news. The solution for this issue is a no-brainer. Just follow the guide below....Author : Fundsupermart.com

http://www.fundsupermart.com.my/main/resea...?articleNo=4740

hope that helps...

EPF already in KGF...Cash to use for investment out of M'sia BETTER?

moon0610 How many % of KGF is now in your portfolio?
Any other funds are in your portfolio?
IF your risk appetite allows, IT is perfectly Alright to be focusing on M'sia fund only.
But i think if possible diversify-lah abit.

personally i think you will be alright.
i agar agar think only....ASB+KGF+EISC is about 95% of your portfolio....
what are the chances of ALL of them (especially ASB) falls >15% and stayed there for > 12 months?
(you know how much this 15% losses be? OK for you?)
how long has this ASB fund been launched? based on Historically results not possible?..
if you think that there is a possibility,..then do plan for some contingency where you don't touch this monies..

MOST of the time i see this on the news....
US markets surge on signs Federal Reserve will keep rates on hold.
Equities received a lift from central bank comments which investors thought indicated the Fed would keep its interest rates low for longer.
US markets received a boost from the Federal Reserve on Wednesday, buoyed by signs that the central bank would not move to raise rates any time soon.

i think it is because EI is only 3% where else KGF is 13%
3% would not make much impact on the performance of overall the portfolio..i quess.

then as i've said...you will be alright....

SC is already PAID....why in a hurry to sell??