As of 22 Sept, most my funds are in green. Waiting for the next update. Eyeing ponzi 2.0

Let me hazzard a guess - home & student edition?
Or very old MS Office (eg Office 2003 / XP)?

If old - U need to add some "calculator pack" FOC, under one of the TOOLS drop down menu (sorry - can't recall, need to see to find/recall)

If home/student - maybe koyak as i've seen some "investment consultants" PC & Excel which cannot work (ie no such Excel function) with XIRR when i started challenging / testing their BS

Thanks guys. Yes, basically I'm asking about the annual compounded rate. My case is like this, I have a lot of property loans and any extra cash I have it will sit in one of my loan account saving me ~4.5% interest. Therefore, it is very important that any investment I decide to make, it has to have a good chance of doing more than 4.5% else it's better off I do nothing. I have done RMxxxK on KGF 1 week ago (not via FSM) and I have at least RMyyyK more in my loan account (to average down if required). My investment horizon is very long term, ~10 years, it is really so important to diversify? If I look at my whole portfolio (EPF, Nasdaq shares, properties) it should be quite diversified in terms of risk levels but country wise, it's not very. Any comments/thoughts are welcome.

This post has been edited by dexk: Sep 25 2015, 11:25 PM

Err...
U already have US stocks...

I'd say, u are diversified enough

US companies > Bolehland companies

Just my 1 sen worth lar

Like this difficult to comment:

List them down with percentages then able comment properly or else... it is k/tiam talk.

Xuzen

p/s My preferred diversify portfolio consist of Money Mkt (for almost risk free return), no bonds, CIMB Global Titans (Fund that feeds into Fortune 500 global large cap companies), Ponzi 2.0 (Fund that invest into Asia-Pac ex Jp dividend yielding stock) and Malaysia small cap (as the name suggest).

This post has been edited by xuzen: Sep 25 2015, 10:59 AM

Globally Diversified Portfolio: An Investment Strategy For All Market Conditions
September 23, 2015
Author : iFAST Research Team
Chart 6: The importance of diversifying your investment globally
http://www.fundsupermart.com.hk/hk/main/re...articleNo=10445

Recommend some please

Eastspring Islamic Income Fund initial investment RM 100k, additional top up RM 50k

On a serious note, RHB cash management 2 should be OK, difference with the above is 25 bps.

Eastspring is a wholesale money mkt fund, RHB is targeted at retail customers.

Xuzen

Been using that from day 1 of unit trust investing

Aiyoh! It is money mkt fund we are talking about lar... it is not suppose to be exciting wan leh! Generally money mkt ROI is around 3.5 to 4.00% p.a. Also note that there aren't many choice of money mkt fund available under FSM platform.

Hop over to eunitrust by Phillip Mutual and you get more choices. But then again, those that give better return are mainly wholesale money mkt fund where the initial entry is min RM 100K, some need RM 250K (they are targeting corporate client) not retail investors like you or me. Those additional ROI are mainly around the region of extra 25bps to 50bps and that is because of the lower MER charged by these wholesale fund.

Hence choosing a money mkt fund is like trying to go Tesco and trying to choose the best butter... which is kinda silly coz all butter taste the same anyway.

Xuzen

How does eunittrust compare to FSM?

in terms of what?
Customer service? or ease of platform use? or lots of info on website? or ...???

All that you've mentioned. Haha. And the mode of payments. Overall, what's the pros and cons of both platforms?

I'm used to be a big fan of AmIncome Plus

But CMF2 returns have caught up, so not much difference between them

One thing I know, if you use unit trust agents. You are paying 5%+ to let them go on holiday, buy new house, car.
If you use fsm, you only pay I think 1%.

1-2%

Depending on the type of fund u buy
And depending on you being normal, Silver status, or Gold status investor

Your Platinum status leh?

Aku...sliver je

If I were not mistaken, we can still use IRR formula even if there are two of more buy transactions.
The only different between IRR and XIRR is the information of date in the later.

From MS Office support...
More than one positive value or one negative value is ok.
If there is one buy transaction in Year 0, and another buy transaction in Year 1, we simply subtract negative cash flow from positive cas hflow to get a net cash flow. The value of net cash flow is entered into the 2nd cell.

Example:
Year 0: -1000 (buy)
Year 1: -1000 (buy), 50 (interest), net cash flow is -950

This post has been edited by river.sand: Sep 25 2015, 03:32 PM

oh ya la

IRR...the intervals must be fixed, e.g. every month got transaction and at the same day of the month

XIRR...u can input dates