some would also like consider this...maybe they are not up to it....eventhough they wanted good ROI...

try this?
https://www.google.com.my/#q=annualized+vol...lity+definition

yklooi, the above and your other posts on same topic of IRR and annualised rate referred...

1) Basically, annualised means 'making the rate into an annual rate or a yearly rate'.

2) If the maths is correct, it cannot be 'more accurate'. Or less accurate.

3) For example:
Start value = 10k
End value = 13k
ROI is 3k.
ROI can also be expressed in percentage: 3k / 10k = 30%

If the time taken to get the 30% growth rate is 3 years, then the IRR (the annualised rate) is:
=(1+30%)^(1/n)-1  (where n is the 'time taken')
=(130%)^(1/3)-1
= 9.14%

4) More examples:
If the fund grows 1% in 1 month, then the IRR is
= (101%)^(1/(1/12))-1
= 12.68%

If the fund grows 1% in 30 days, then the IRR is
= (101%)^(1/(30/365))-1
= 12.87%

If the fund grows 3% in 90 days, then the IRR is
= (103%)^(1/(90/365))-1
= 12.74%

If the fund grows 6% in 180 days, then the IRR is
= (106%)^(1/(180/365))-1
= 12.54%

And if the fund grows 36% in 3 years, then the IRR is
= (136%)^(1/(365x3/365))-1
= (136%)^(1/3)-1
= 10.79%

5) From the above examples, so how is that the IRR is "less accurate" when the time take by an investment is less than 1 year? As mentioned; when the maths is correct, it cannot be less accurate or more accurate.

6) Please remember that the IRR is "making the ROI rate to an annual percentage".
So, if you buy a fund today, and it increases by 0.3% the next month or in 30 days, the ROI is 0.3%.
The IRR is
= (100.3%)^(1/(30/365))-1
= 3.71%

If you buy another fund today, and it jumps 3% tomorrow, the ROI is 3%. The IRR is
= (103%)^(1/(1/365))-1
= 4848172.45%

The former fund could be a money-market fund, and the latter a volatile fund. And yes, the latter fund has a very huge IRR, since, inside the maths, it was projected to grow 3% every day for 365 days, and it was being compounded daily!

So don't blame the maths if you don't know or understand what you want but simply annualised the ROI to IRR. 

====================

Further notes:

1) IRR is the same as CAGR.
2) XIRR is the name of a function in the Excel spreadsheet.
3) IRR is a simple formula (as shown in above examples). It used in calculations with only one start value or one purchase.
4) The formula in XIRR is more complex; it is a recursive formula; and it is used to calculate the IRR in multiple purchases.

IRR = annualised rate

Simple as that

Yes

Put it simply...

E.g.
U invest RM100 in January
RM100 in February
RM100 in March

Now is August...

The RM100 in January has 7 months to "work"
RM100 in February has 6 months...
And so on...

XIRR formula is a compound/average measure that lets u know how hard they have "worked" for u

I'd top up across markets...

bond ar? not so keen

the price movement of CMF is very slow....0.0X may takes weeks/months
after the gain of RM 10....if you buy another fund...you have to pay SC+GST

click at the CMF historical pricing to have a look of how its NAV moves in the past 3 months
http://www.fundsupermart.com.my/main/fundi...tpl?id=MYOSKCMF

CMF is mostly fixed deposits

The net rate of 3.468% is the aggregate rate of all the FDs (plus some cash) CMF currently holding.

try read this FAQs on CMF
I think the answers to most of your doubt can be found there.
http://www.fundsupermart.com.my/main/faq/faq.svdo?id=9718

current value (units x price) LESS invested amount

The indicative net interest rate for CMF is just to give u an INDICATION of your future returns from CMF

FSM Merdeka Promotion - 0.57% *Sales Charge - All Funds from 27th August to 1st Sept.

http://www.fundsupermart.com.my/main/resea...?articleNo=6223

Latest update:
12-months return: 10.5%
IRR: 6.2%

Saved a bit by RHB Asian Total Return and RHB Emerging Markets Bond

RHB Asian Total Return 7%
RHB Emerging Markets Bond 20%
CIMB Global Titans 15%
Aberdeen Islamic World Equity 12%
CIMB Asia Pac Dynamic Income 12%
Affin Hwang Select Opportunity 5%
Affin Hwang Asia ex Japan Quantum 12%
Eastspring Global Emerging Markets 18%

If u wanna replicate...I suggest u increase allocation for Global Titanic, reduce Eastspring GEM.

I started out too heavy on GEM...have been gradually reducing over time...

very true for me.....
while planning my initial portfolios...concentrated on too much past records of returns....
expected to hit 10% min (if all the selected funds of my portfolio "were" to perform just 80% of their averages...)
then the taper tantrum came....then talks of QE stoppings,....then Russia Ukraine things,....then North south korea things,.... then Fed rate talks,..... then Oil prices drops,......then RM falls,....then now Fed Rate coming,...then China growth slowed,.....then China Devalued,....then...then...then....
now XIRR is abt 2%...ha-ha...

No, it is not. "Opportunity cost" is the loss of other alternatives when one alternative is chosen. And all the alternatives are equally viable and available for selection.

If we don't see the other alternatives as equally viable for selection (ie. there is no knowledge and interest to pick stocks), then there is no lost in opportunity.

"Lost opportunity is better than lost money". 

Ponzi 1.0 ---> Affin Hwang Select Asia (Ex Japan) Quantum Fund

Ponzi 2.0 ---> CIMB-Principal Asia Pacific Dynamic Income Fund

Evergreen Fund ---> Kenanga Growth Fund

Aladdin Fund ---> Aberdeen Islamic World Equity Fund

It's not in the latest file yet, it's on my personal file

Currently it only captures the snapshot - i.e. no further analysis on the raw data. Too lazy to do anything about it first

The MoM and YoY got two section, one captures the snapshot of the WHOLE portfolio, and another captures the snapshot of each and every fund individually.

However, as I said, it's just a snapshot (i.e. rows of data in the previous screenshot), no further analysis is added (i.e. chart) in the file, yet..

Surprise surprise...

I actually topped up...