i been doing it without even realizing it. Sigh. Sometimes i feel i am just cruising with UT.

And get lower effective management fee ratio

I was tempted to write a simple yes / no on the bond fund as part of the portfolio but my educationist in me compel me to write a longer "cheong-hei" piece for educational purpose.

I) Inveesting is an art. In art first we are taught to draw a line. A line is one dimensional. In investing, the first line / dimension we learn is Return of Investment (ROI) =



II) Once we are good, we learn to draw a the width and length to make a simple diagram, e.g., a rectangle (two dimension object). In investing, the second dimension is time. ROI per annum also called Compounded Annualised Growth Rate (CAGR) / Internal Rate of Return (IRR).

III) But in real life, object are 3D, never 2D. So in art we learn to add depth to a drawing to produce drawing and the outcome is a 3D drawing that create realism. In investing, the 3D is risk. The conventional way of measuring risk is taking the standard-deviation (Std-Dev) of a series of measurement over a defined period of time.

---- to be continued ---

Any idea why the sudden drop in Global Titans? NAV price 7 Oct

Ringgit strengthening against USD.

yeap as expected. =(

MYR strengthen from 4.4X to 4.1X but still above 4

well if that "someone" step down & his darling company solve the problem. then we might see 3.80

Can lend some to me?

Anyone top up RHB AIF?

Why still high at 3.8?

how much u want?
even the so-called "expert" say 3.60 is the "actual" value of MYR

Back to 3.2 level..

to reach that level, I think crude oil needed to be at least USD80/barrel

slowly lar bro. the climb only started this week isn't it (this whole week everyday climb). 4.4 to 4.1 in 1 week is around 8-9% in a week ler. tak kan you want 30% in a week?

Yes of course it has to be calculated but why I'm asking is because most tools out there simply ignore this SC cost including the FSM mobile (without login, I don't have an account never login before). example 100K investment with 2% SC. they simply take 198k as your capital and calculate your returns. the 2k is simply unaccounted for. the same thing for my KGF with login (actual portfolio).

my very 1st unit trust bought from a bank in oct 2012. now return +30%

60k also might not be enough.. pray hard the wedding banquet can break even

Pump big her belly...

Then u are in control...u hold the chips...

Honeymoon wedding can setel