I'm new to FSM/funds and am thinking of going in anytime. May I know what 0% fee in 30days you are talking about?

If you don't mind, I saw your portfolio ROI was around 5+% but may I ask what is the XIRR or CAGR?

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

I was thinking too. Why you guys call it Ponzi but some recommend buy?

It's not necessary to learn in detail but you need to be able to calculate your return rate in order to know if it's a profitable investment or not right unless you are lucky enough to have PA or accountant to calculate for you. For me, XIRR is most useful in property investment where you have first 30% in cash and at different dates and then the interest payment kicks in and later rental income and expenses (maintenance, cukai pintu etc).

1) Property = I consider them medium risk, medium return in current market.
2) EPF = I consider them almost risk free with capital and 2% returns guaranteed.
3) US Bluechip = I consider this one low risk, low returns.
4) KGF = High risk, high returns but with a ~10 years horizon, any short term losses can be even out.
5) Cash = should I leave this cash in my loan account and for KGF (average down) or should I dump into Global Titan and RHB Big Cap China