QUOTE(LonelyHart16 @ May 18 2018, 12:04 PM)
How to know if my accounts are performing well or bad?
NAV value end of year? Negative or positive value of total returns?
I know if the amount I invested is less than the market value, definitely bad, right?
I invested back in
January 2016: PB SMALLCAP GROWTH
Then July 2017: PB ISLAMIC SMALLCAP, PB ASEAN DIVIDEND SEQUEL
To gauge how well is the fund performing against its benchmark, see the Performance chart.
https://www.publicmutual.com.my/Home/Fund-PerformanceThe chart only shows the fund and its benchmark. So to know how well it is performing against its peers, you will have to display the chart to show the other funds one at a time… or read the quarterly review… or go to the MorningStar webside which ranks the funds in the same category.
What is shown in the attachment is:
1) Name of the fund
2) Type of fund (equity, mixed asset, bond, money-market, etc. etc.)
3) Risk level of the fund
4) Cash or EPF scheme investment
5) Total number of units
6) Total value of the fund in ringgit.
7) ROI (return of investment)... it is either profit (positive) or loss (negative).
8) Date of the NAV price.
9) NAV price.
- The NAV price is the NAV price per unit. Multiple it by the total number of units to get the total value of the fund.
- The invested amount in ringgit is not shown. Anyhow, it does show the ROI. If the ROI is negative, it means that the invested amount is MORE than the current value.
And now, the big question: Is the investment BAD?
Though currently the investment is at a loss, it cannot be said for certain that it is a bad investment. It depends on what was your objective in buying the funds.
If the objective is to gain some money in one or two years time, then obviously it is bad as the investment has failed to reach its objective.
If the objective is to invest for the long term – say to gain some money by year 2040, whether the investment is good or bad, its faillure or success is still unknown.
In every investment that was made, this is true: No risk, no gain.
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PS.
- Whether the fund was in one purchase or in several purchases, it is not shown. All the purchases will be grouped into one line. This is the reason why it is necessary to keep track of the purchases on your own using Excel. Only with the transacted or purchased dates known can the IRR be calculated.
- FYI, the small cap index drop since 1st Jan… YTD of small cap funds is about negative 10-12%. In end-March/early-April, it was about -15%.
Cheers.
This post has been edited by j.passing.by: May 18 2018, 07:21 PM