Already invested in Asia ex-Japan!

Stocks end worst quarter in 4 years on positive note

http://www.thestar.com.my/Business/Busines...note/?style=biz

Sifus , newbie here.

Assume I purchase a unit trust with nav 0.8 with RM1k
Out of sudden the next day it drop to 0.6. So my 1k now prev I can hold 800 shares now become 600 shares? Is it that mean?

Buy UT A today at NAV RM 0.80 per unit for RM 1K. Total number of units (not share) bought = RM 1,000.00 / RM 0.80 = 1,250 units

If tomorrow UT A NAV drop to RM 0.60 per unit; the total value is RM 0.60 x 1,250.00 units = RM 750.00, i.e., you lost RM 250.00.

Xuzen

Wow noted. Thank you very much.

BTW I read that the salary for the fund manager is 1% from the fund I'm holding which means if it up to 0.9 from 0.8 for nav that means I am not getting full profit of 1250 x 0.9? And also have to deduct the agent fees of 1%?

for the mgmt. fees and etc....
read post # 1
point # 4
4. Annual Management Charge, Trustee Fee and NAV pricing...

some funds has "redemption/exit fees", which is stated in the fund fact sheet...
Sometimes referred as repurchase charge. This fee represents a deduction by the UTMC from the proceeds of disposal of an investor

Does it mean that the nav that we can see is already deduct the salary for the fund manager? If yes then I get it. That means we don't have to separate out to deduct ourselves. But for the UTMC is exception right?

what is displayed as NAV is NETT....

Q: What kind of charges do I have to pay?
A: There are 2 types of charges. One is the sales charge and the other is the annual expense of the fund.
The normal sales charge for most equity funds are around 7%. However, at Fundsupermart, the advantage is that most equity funds are sold at around 2% sales charge. The sales charge is applied at purchase.

The annual expense of the fund is what is charged to the fund. This includes the fund manager's annual management fee, and other administrative fees that are incurred in the running of the fund. You do not really need to fork out additional money to pay for the annual management charge to the fund manager. They will actually deduct it from the Net Asset Value of the fund daily, and the published price will take into account of the pro-rated annual management charge.

http://www.fundsupermart.com.my/main/faq/faq.svdo?id=1083


This post has been edited by T231H: Sep 30 2015, 11:08 PM

Be honest, this is giving me a huge headache. But it is really very informative.Thank you I am taking many days to digest it now,IRR and NPV and still digesting

However, I have some questions now.Hope someone can clarify.

1) Concerning IRR/XIRR, when I read articles online, they give me example of anticipated income/earnings. In real life, we only start calculating IRR/XIRR after we have invested, is it?

2) For investors who top up irregularly(regardless of the amount) should opt for XIRR whereas for investors who top up regularly(regardless of amount) should go for IRR in excel calculation?

3) I have opened polarbearz excel file and seriously, it is really superb duper confusing . I look at the instructions I also cannot make sense of it.Eg:"add new set of fund" vs "add new row of fund". Is it linked to fundsupermart directly because I see a tab "update current fund price"?
I just want to start investing and this file is like killing me.or should I learn to make sense of it later?

4)As mentioned above, I just want to start investing. I know sifus here must be sick of hearing it" What funds should I invest in" but this is really my question. I look at the past performace of Ponzi 2.0,RHB Asia Total Return and GTF, the performance chart is a very good one(maybe too good in the current market?) and the NAV is very high also. If I invest in them now,advisable?

5)What are the things to look at when it comes to selecting funds? Some says past performance unequal to future potential.and some advises to look at the portfolio,so what part of the portfolio?

Really very blurred now...

This post has been edited by larisSa: Sep 30 2015, 11:49 PM

In our case (as in Polarzbearz's file), we are using the "lump sum returns" example but instead of the anticipated date being a time in the future, we just move it back to today. Like this:


Nah, both XIRR and IRR Excel functions will give you the same result if your top-ups/dividends are regular (see the second example "Periodic Returns"). They are just different "methods" of calculating the Internal Rate of Return (IRR). You can think the difference between the two methods like this: XIRR tries to be as accurate as possible by asking you when you received dividends and when you invested, IRR assumes you always get dividends/perform investments at the same day every week/month/year.

You don't need to worry about the file, it is only used for tracking your investments in greater detail because FSM's website has the information scattered in different places after you've logged in. It is also not live linked to FSM; the "Update Current Fund Price" button is just a convenience feature that will go to FSM's website and get the latest NAVs of the funds you put in the Excel file.

Highlighted in yellow is "A Row of Fund", marked with blue is "A Group of Fund"


First, determine how much risk you're willing to take in the short term. Once you have this answered you can then either use FSM's recommended portfolios or build your own. An aggressive portfolio will consist mostly equity funds, balanced portfolios are less heavy on equity funds and have more fixed income funds, while conservative portfolios lean toward fixed income funds. Diversification (i.e. don't put all your eggs in one basket) is a key concept in when building a portfolio. We try to build a portfolio that satisfies our appetite for risk and is diversified across asset types and geographic regions.

An example balanced portfolio (starting with RM 10k) will be something like this:
RM1500 - 15% Equities Fund investing in Malaysia
RM1500 - 15% Equities Fund investing in Asia (excluding Japan)
RM1000 - 10% Equities Fund investing with a Global scope
RM1000 - 10% Balanced Fund investing in Emerging markets (Brazil, Russia, etc)
RM1000 - 10% Balanced Fund investing in Developed markets (US, UK, etc)
RM2000 - 20% Fixed Income Bond Fund investing in Malaysia
RM2000 - 20% Fixed Income Bond Fund investing in Asia (ex. Japan)

As to what specific funds you should invest in, you can start by looking at FSM's recommended funds. Remember though, doing great in the past doesn't mean it'll continue doing well in the future (because the people managing it may change, market conditions may change, the fund's investment aims may change, etc).

Other than the things I've mentioned (geographic region, equity/bond mix), you should be looking at the fund's expense ratio. If you are inclined, these are some of the things that you can use to select a fund:
- Fund manager (is the fund manager experienced? How long has she managed the fund? How strong is her team?)
- The fund's investment objectives (short term? Can they shift to different investment mix when the prospects are not good?)
- Parent fund details (if the fund is a feeder fund)
- The fund's holdings by sector/country/company (Is it heavy in China? India? Another country? Is it investing mainly in technology/etc companies?)

You don't have to know all these things in #5 to begin investing in UTs; selecting funds from FSM's recommended list is a pretty safe move. If you need more specific answers about XYZ fund, there are many members here with encyclopaedic knowledge of the funds offered by FSM, so just ask

This post has been edited by idyllrain: Oct 1 2015, 08:57 AM

Private Retirement Scheme (PRS) Promotion till 25th Nov 2015
Receive a pair of free GSC Movie e-vouchers when you invest a minimum amount of RM3,000 PRS at 0% Sales Charge.





PRS FSM

wonder why they keep aggresively promoting PRS to us nowadays

Next year also better wait till the end of the year to pump RM3k into PRS at 1 go rather than dca

p.s. any good balanced PRS fund to recommend from sifus here?

This post has been edited by besiegetank: Oct 1 2015, 10:55 AM

I shall share the views by these professional fund managers soon. Please PM me your email address if you are interested.
Happy investing and take care as haze is getting worse.

To capitalize on the timing for YA 2015 ending 31st Dec

KLCI was up 12.89 points or 0.8% to 1,633.93. Turnover was 1.51 billion shares valued at RM1.82bil. Advancers led decliners 465 to 306 while 302 counters were unchanged.

Among the key regional markets,

Japan’s Nikkei 225 rose 1.92% to 17,722.42;

Taiwan’s Taiex added 1.4% to 8,295.94;

South Korea’s Kospi added 0.84% to 1,979.32 and

Singapore’s Straits Times Index rose 0.42% to 2,802.69.

For your reference :

Affin Hwang PRS Moderate Fund - 6.05% (invested for almost 2 years, top up every 3 months)

CIMB Islamic PRS Plus Moderate - Class C = 5.55% (invested for almost 2 years, top up every 3 months)


i dont expect them to give very high return, i just take advantage of the tax relief of rm3000..

Tax relief of RM3000 for PRS is available until which year?

YA 2021

My main portfolio update for month-end September 2015

Overall IRR 6.75%
Top 3 funds
- EI Small Cap IRR 17.07%, +8.97% from Aug (7.4% of portfolio)
- CIMB Global Titan IRR 13.7%, -0.54% (2.6%)
- RHB ATR ROI 12.4%, +5.8% (5.8%)
Bottom 3 funds
- AMB Ethical IRR -16.3%, +3.43% from Aug (0.9% of portfolio)
- AMB Dividend ROI -6.06%, -0.08% (0.7%)
- RHB Emerging Opp IRR -3.3%, -3.3% (2%)

Bro, they have updated NAV for RHB ATR on 30/9 as mine still show @ 29/9?

Seminar : Revealing the Private Equity Investment Strategies
http://www.fundsupermart.com.my/main/resea...?articleNo=6364