Mine slightly above 5%...

IF only I had this diversified portfolio which included EQ and Bond funds
my IRR for 2 full years investment would be easily > 20%

IF only.......I knew....
should I start one now?


Attached thumbnail(s)

guess it depends on what types of bond funds...not all are created equal

3 Strategies for Bond Investors
With the Federal Reserve holding interest rates at the September 2015 meeting, we offer three strategies for bond investors to consider.
iFAST Research Team September 18, 2015

1.Maintain a shorter duration approach when choosing bonds
2.Increase exposure to high yield corporate credit
3.Look out for selected opportunities in the 2-year to 5-year bond segments

https://secure.fundsupermart.com/main/artic...Investors-10846

It's nvr too late to replicate the portfolio if u bliv they can sustain the performance

Actually... if you have a fairly balanced portfolio, with bonds and equity, is it reasonable to expect IRR to go above 10%? And UT is a long term game, can reach 8% IRR and for it to weather through stormy days is consider very good already right?

Yes, long term 8% IRR is consider good. Just that these few years market is considerably "good", I expect more that what I am getting with 90% EQ in my portfolio...

Yo portfolio more towards Bond fund?

90% EQ bro...

Hmm. I don't think I calculated my XIRR wrongly la.

I mean, there's no way la. It's just a simple =XIRR(Date:Value)

And I haven't top up in >6 months, so that won't inflate my IRR figure. Should be normalize already.

That's why I am very skeptical with IRR figure I'm getting. I haven't been paying attention to my UT, and yet I get a double digit IRR figure. Hmm

Best action is no action sometimes?

Oh and to add, I am 100% in equity.

This post has been edited by TakoC: Nov 19 2015, 10:18 AM

Assume yo calculation is correct, is all yo funds > 1 yr?

All >1 year, expect my Eastspring Small Cap which I invested since March 2015. Oldest must be my Ponzi 1 - 3 years of holding.

In tis case, the IRR may not represent a true picture

Because of my Eastspring Small Cap?

Well, even if I exclude that out of my calculation I'm still yielding a double digit IRR.

Wow, IRR competition today?

75% equities here
12-months total return: 16.2%
IRR from commencement (Aug-08) to-date: 7.5%

This post has been edited by Pink Spider: Nov 19 2015, 12:49 PM

It is the last mile that can pull the average to above average. Exclude the 10% in MM or bond, and consider it as part of your total asset in FD and cash. Maybe then you could see the reason of having money in equities instead of having it lingering in lesser risk MM and bond funds; and having every dollar set aside for investment in UT to work harder.

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The culcalation in IRR needs only 3 pieces of info: the date and value of the capital outlay (including any service charges/commissions), and the total current value of the portfolio.

One can make switches and trade as often as he likes, and not affect the IRR. (As mentioned above, the IRR needs only 3 pieces of info.) The switches can only affect the IRR if the switches can change the total value of the portfolio.

The million dollar question is how to time the switches. And if the timing is right, how bold one must be to make HUGE switches such that the total value of the portfolio will be GREATLY affected.

Get the timing wrong, the total value of the portfolio (and the IRR) will be negatively affected. When switches are done over a long term, maybe sometimes getting it right, sometimes getting it wrong... which is same as not doing any swithces.

So it all goes back to the basic of regular investments and putting money that was set aside, for the purpose of UT investment, into Equity (not MM or Bond) funds...

(Getting the first several steps correct is important... if one begins on a wrong footing, the next money/purchase will need to work extra hard to craw back and pull the IRR up and above average.)

BTW the numbers are still 'alive'. This is akin to the old phrase "never count chickens before they are hatched."

Enjoy the moments when the markets are up. Don't get too dismay when they are down.

Just keep on investing....

Wah. Possible or not wor. I replicate your portfolio and started since 2012 and my IRR higher than yours.

Hello, my IRR is for my investment since Aug-08, it borne the impact of my initial beginner's mistake of buying "spicy" funds and switching out into cash during the bear market of 2010...

And my portfolio changed greatly since then...

Try "resetting" your worksheet to 17-Nov-14 (take holdings as at that date and delete off all earlier transactions) and recalculate your IRR, this will give u your 12-months IRR, for a more fair comparison with mine

This post has been edited by Pink Spider: Nov 19 2015, 03:22 PM

Did u obtain external auditors to verify yo calculation?

Okay. Breakdown for reference.

My current holding (excluded realized gain from completely sold off fund) - 11.85%
My current holding (excluded fund <1 year old) - 11.39%
My current holding (excluded crazy Global Titans + fund <1 year old ) - 9.62%

My Global Titans fund alone (bought in once in August 2014) - 25% IRR

Bro, how can you calculate your investment since Aug-08. Assuming you sold off a few funds, you cannot take those into consideration ma.

You drag 2 column (one is the dates, one is the buy/sell/switch amount. Cannot compute one la. Because end value is RM0 as you sold off the fund.