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 Fundsupermart.com v11, Grexit or not, Europe will sail on...

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river.sand
post Sep 3 2015, 04:57 PM

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QUOTE(ben3003 @ Sep 3 2015, 03:47 PM)
i think ppl rush in and buy during merdeka promo, even drop 1%, u still earn 0.5% if u buy at normal charge 2%. That's y those buying with public mutual manurelife agent 5.5% sc, need how long to recover? summore i got fren enter at high, then msia drop like flies, his fund negative double digit until today also cannot recover. Even u buy bond also kena charge at those agent, 5 or 3% i forget oledi. i think is also 5%.

to me, less sc mean u squeeze more value/unit out of ur investment.
*
If you invest for long term, the 5.5% SC isn't a big amount, as you only pay once.
But if you keep buying and selling, then - except in the case of free switching - the SC indeed will eat into your return. See the table attached...

For people with little knowledge on trust fund, at least they get advice from their agents.
But of course among people in this thread, Pinky and Xuzen are better advisors thumbup.gif




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river.sand
post Sep 8 2015, 07:24 PM

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Changed my siggy... again sad.gif
river.sand
post Sep 10 2015, 02:39 PM

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QUOTE(Pink Spider @ Sep 10 2015, 11:15 AM)
doh.gif doh.gif doh.gif

My credit strength allows me to borrow at FD + 2%

I issue bond at 3% + 2% = 5%
That bond matures in 10 years

Tomorrow FD rate drops to 2%
By right I can borrow at 4% now

But the holder of the bond still enjoys 5% (1% excess) interest payment for 10 years
*
How about this explanation?

FD rate = 2%
=> investors' expected yield for bond = 4%
yield lower = price higher
river.sand
post Sep 21 2015, 03:31 PM

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QUOTE(Avangelice @ Sep 21 2015, 03:18 PM)
the moment i see global titans drop. I am selling the damn thing...

oh wait. i did more research into the guy and he working with a company selling gold. so.....technically he is selling us his stuff by using fear?
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“Gold is a way of going long on fear, and it has been a pretty good way of going long on fear from time to time. But you really have to hope people become more afraid in a year or two years than they are now. And if they become more afraid you make money, if they become less afraid you lose money, but the gold itself doesn’t produce anything.”
- Warren Buffett
river.sand
post Sep 25 2015, 03:27 PM

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QUOTE(Pink Spider @ Sep 25 2015, 09:10 AM)
When there is more than one buy transaction, u have to use XIRR formula.

IRR is the name of the calculation.
CAGR means the same thing actually.
While XIRR is the Excel formula for calculating IRR.

Yeah, use Polarzbearz formula.
*
hmm.gif
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...
QUOTE
IRR(values, [guess])

The IRR function syntax has the following arguments:

Values    Required. An array or a reference to cells that contain numbers for which you want to calculate the internal rate of return.

Values must contain at least one positive value and one negative value to calculate the internal rate of return.
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
river.sand
post Sep 28 2015, 12:07 PM

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QUOTE(Kaka23 @ Sep 28 2015, 09:42 AM)
Thanks... I am betting for Japan for next 2 years..  biggrin.gif

Global Titan... so cannot buy la..  tongue.gif
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The fund manager can divert fund from US to Japan.
river.sand
post Sep 28 2015, 03:51 PM

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QUOTE(T231H @ Sep 28 2015, 12:32 PM)
hmm.gif will that deviate from their set bench mark ratio?
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From GTF's prospectus:
QUOTE
The asset allocation strategy for this Fund is as follows:
 between 50% to 98% (both inclusive) of the Fund’s NAV in collective investment schemes with exposure in US, Europe and Japan; and
 investments in Malaysian securities: up to 50% of the Fund’s NAV.


The fund manager should be able to reduce the ratio for US, and increase the ratio for Japan.

This post has been edited by river.sand: Sep 28 2015, 08:55 PM
river.sand
post Sep 29 2015, 03:35 PM

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QUOTE(wil-i-am @ Sep 29 2015, 01:30 PM)
Yo risk appetite is High despite commodities tumble  notworthy.gif
*
Commodities can short sell mah...
But... commodity trading is a zero sum game.
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