yes,...
there are other factors too.....
the needs of one in relation to financial needs, investment objectives, lifestyles, age, income, aspirations, emotion, geopolitical influences, (the stars rating in FSM changes), etc...

nothing fancy,....just increase HJpn from 3.5% to 8.5% and reduced HSO.

to be frank, VERY frank...I know nuts about the inside working of IRR/XIRR
I just used the ready made formula available.

I think there is effects if the sum topped up is substantial and the ROI from that top up is also substantial in short period of time....I don't have exact maths but "feelings" from what had been known that IRR readings can "create" extremely good numbers if the used to calculate (extrapolate?) in short period of time and as from what had been experienced by forumer @kimyee73

I recalled reading this very illustrative comparison posting by forumer @idyllrain about
ROI, CAGR, and IRR are all general metrics that tell you the return of your investment in different ways.

very interesting....

and for those that really wanted to know about the "inside the maths" working of IRR...there is a good write up by forumer @j.passing.by in post# 1148, page# 58
https://forum.lowyat.net/topic/3633445/+1140

This post has been edited by yklooi: Oct 23 2015, 07:57 AM

I think same for any funds...there are always concerns of the stocks/bonds to buy...but I think I will leave that concerns to the FM to worry about...furthermore, if the FM thinks that there is no more good things to buy, the ATR has a wider mandate...the FM can buy from somewhere else...

yesterday's morning 23050 now 35450 views....wow > 2k views per day

This post has been edited by yklooi: Oct 23 2015, 07:46 AM

is that over the counter promo?
my IRR just managed to Break the 4.2% target....now 4.6%
have to readjust portfolio..... to make it work harder.....
with 4.6% as risk free rate....what rate would justify my UTs portfolio IRR....

few years ago, i managed to have 5%pa from HLB...lockin period 5 yrs
looking back and "comparing" my current IRR...at times i think that lockin of 5 yrs of 5%pa is not too bad...for some people

This post has been edited by yklooi: Oct 23 2015, 10:04 AM

that would make it about 6.6%pa
my current ROI is abt 10.x% IRR is about 4.3%
needed to get another 7% ROI in the next 6 mths (3rd anniversary) and maintain 6.6%ROI pa after that......


clock is "ticking" for every month not getting 0.6% ROI, the portfolio would have to work harder the next month.

This post has been edited by yklooi: Oct 23 2015, 10:15 AM

why?...just last nite, i was thinking of moving in from RHB EMopp.

sorry....
may i know what is the breakdown % of each fund in relation to your portfolio?

BRIC not there

This post has been edited by yklooi: Oct 23 2015, 10:39 AM

thanks for the highlights....just browsed the chart center...
seems like mirror..like what you mentioned....
with ATR having risk rating of 4 against 5 of EMB
maybe i should consider ATR over EMB

> 15% overnight.....i remembered this one...i wrote to query and they replied "funds' NAV increase substantially due to recovery from previous defaulted bond paper".

This post has been edited by yklooi: Oct 23 2015, 04:14 PM


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guess, we just don't know how it will goes....
just imagine this guy who took profit at 15% and the fund continue to.....for the whole year...
it can be the other way too....
just do what pleased us most at that moment in time will do...


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total % of allocation added up is 200%?

BRIC is
Brazil
Russia
India
China

go to seek each individual fund factsheet...compile the % invested in each country and add them up......are you comfortable with the total allocation in that country...example...i think your China is very heavy.....if you are happy...then be it..it is just chicken me.

This post has been edited by yklooi: Oct 23 2015, 04:42 PM

What can cause you to lose money or reduce the returns on your investments?
http://www.moneysense.gov.sg/Understanding...rusts.aspx#What can cause you to lose money or reduce the returns on your investments?

General Risks of Investing in Unit Trust Funds
Any investment carries with it an element of risk. Therefore, prior to making an investment, prospective investors should consider the following risk factors......
https://www.cimb-principal.com.my/Investor_...rust_Funds.aspx

therefore no you cannot held them responsible...unless, they gives you a black and white which state capital and returns guarantee payable within a certain time frame too.....

try AMBANK FD promo at 4.6%.....PIDM protected too...else do self EPF contribution at abt 6%

This post has been edited by yklooi: Oct 23 2015, 04:57 PM

with an average of about > 20% pa ROI in these 3 funds in the last 3 years....


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from an article for RHB-OSK Pre-IPO & Special Situation Fund 2 from FSM......I think it should be similar.....

Conclusion

In short, private equity investments could enhance the returns of investors’ portfolios and diversify overall portfolio risk with its unique approach of investing in unlisted assets. Investors should take note that the RHB-OSK Pre-IPO & Special Situation Fund 2 is illiquid in nature with its investments in off-market securities and its lock in period of 5 years, indicating that investors will need to stay invested throughout the period and are not being able to liquidate their investments during the lifespan of the fund. Nevertheless, the fund intends to distribute income received or realized profits (on a quarterly basis) during the investment period and distribute both the profit and principal of exited investments over the subsequent two years, which could be a mitigating factor for the illiquidity that investors faced. Thus, the key deciding factor here will be illiquidity and we strongly suggest investors who are interested in this fund to take this factor into serious consideration before making the decision of investing in this fund. .

http://www.fundsupermart.com.my/main/resea...?articleNo=4845

What Is Rebalancing? Does it works?

https://secure.fundsupermart.com/main/resea...?articleNo=2215

https://secure.fundsupermart.com/main/resea...?articleNo=4721

https://secure.fundsupermart.com/main/resea...?articleNo=3896

https://secure.fundsupermart.com/main/resea...?articleNo=1849

below posts shows good illustrations of relativity....did the blogger said how much he invested?

btw,
FSM frequently updates the lists of top 5 best performers.....see how much returns it has.....if you managed to get into that......lump sum....HUAT-lah.....
http://www.fundsupermart.com.my/main/fundi...formed=topFunds

FSM frequently updates the lists of top 5 worst performers......see how much returns it has.....if you managed to get into that ...lump sum....POK KAI-lah....
http://www.fundsupermart.com.my/main/fundi...orst_Funds.svdo


This post has been edited by yklooi: Oct 24 2015, 08:34 PM

YEs,....it could.....
b'cos...the price of units and distributions payable, if any, may go down as well as up
if one were to get this fund and top up monthly for > 2 years ....wondering how much is his "paper" losses and the emotional stress he had to endure, if he is not prepared or have the wrong impression/expectation of UT investment (thinking that there are "experts" to help monitor it and it "should be" safe or "from past performance track records" all the while were good)

This post has been edited by yklooi: Oct 24 2015, 09:01 PM


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What is the maximum amount you can lose?
http://www.moneysense.gov.sg/Understanding...rusts.aspx#What is the maximum amount you can lose?