guy3288 in your pic, there are some which is like 20+% increase in the original value. Do you sell them or hold them for dividends?

while waiting for guy3288, may I "kaypoh" a bit
Ramjade bro....if got time pls read this
from post#1 (click the spoiler) for more info on....
3. Common misconceptions about unit trust dividends/distributions:

23053

This post has been edited by yklooi: Oct 22 2015, 08:20 AM

Bro.. The dividends are not meaning

Then how do you guys cash out the profit?

Current valuation minus your total cost

while waiting Kaka response...I too kaypoh a bit....
I am not sure about others, as for me, when I wanted to take profit, I just sell the number of units that is equivalent to the amount of profit.... (profits/NAV = number of units) ....
Q: How do I sell?
A: Selling is a simple process at Fundsupermart. Simply click on TRANSACTIONS-> SELL UNIT TRUSTS. The system will only show the funds that you have purchased through Fundsupermart. You need to select the fund that you wish to sell, then key in the number of units to sell.

This post has been edited by T231H: Oct 22 2015, 08:47 AM

if you want to cash out profit, you need to track your investment ROI.

Or.. if you know you have not re balance the fund yet in a certain period of time, you can track the fund performance say 6months, 1year, etc... if in 6months the fund return is 10%, then you sell 10% of your fund value to get the profit.

Dividend is not profit, end of the day with or without distributions your total value in RM still the same (because your average buying NAV drop with distributions). Just difference will be the number of units increase with distributions.

This post has been edited by Kaka23: Oct 22 2015, 09:06 AM

u make money when the price is up above your cost price, dividend gives u more units, but with price adjusted down, it is the same la.

I sell when i make quite abit and locked in the profit, becos market is up and down, so from making 20k can go down to zero, of course later usually climb back up la.

the 20% ROI u saw there is simple profit/cost x 100%, quite meaningless if dont take time into account.
Short term IRR also quite meaningless as u can see below.

i just bought CIMB Global Titans, and the IRR is mad 142.33%

Because i sell and buy back, the ROI also quite confusing, u see my CMF ROI -115%!! It is like each time u sell with a profit, your cost keep going down......till negative?

RHB OSK GEY showed ROI 61%, Amoasis Global Islamic Eq ROI 57%, yet u dont see the price double above my cost.
i think same reason, each time i sell with profit the Excelfile adjust my cost down??

Whatever it is,i find the Polarzbearz excel file fascinating.
Thanks to Polarzbearz for preparing a special file for me.


PS: Wanna ask yklooi and other sifus, wonder if my earlier mentioned of Summary IRR 10%
was falsely elevated due to this new purchase Global Titans?? That would be bad as it does not reflect true returns.

This post has been edited by guy3288: Oct 22 2015, 09:27 AM

IRR is not accurate for investment made < 1 year.

Does that affect your business?

Btw, when did FSM launch its service in Malaysia? And when did Pinky start his first thread?

guy3288, what do you mean by locking in profit?

So you don't hold long term? You buy and sell like doing share market trading?

David83, what's the best way to get the returns? Hold long term or sell like doing share market trading?

This post has been edited by Ramjade: Oct 22 2015, 09:40 AM

Yes i agree totally.

I wonder how much does this new purchase influence my summary overall IRR?

Earlier i was happy with summary IRR 10.11%.
deduct away this 142% IRR left how much?...



yes, buy low -sell high, the if got chance, buy low back again. if miss (UT keep going up) forget it.
if lost money i hold long term eg my AmCommodities, just keep buying , no chance to sell so far becos no profit.

This post has been edited by guy3288: Oct 22 2015, 09:43 AM

So you don't hold really hold long term for funds like ponzi 2.0 and titans unlike your ASX FP?

I don't have methodology.

You better ask xuzen.

Updated my portfolio, looking good for this month vs last month. Last month consider good already!

So you personally, you hold long term or sell when it goes up?

My plan will re-balance once a year. I am not too rigid to this methodology as my re-balancing will depends on circumstances, but definitely will do it once a yer.

I hope to hold long term and will not take out the money I put in for investment till I retire. But I never know when I need a sum of money for urgent matters (I hope this will not happen).

Assuming that you don't need the money, so you will topup, but you will sell? Can you explain what do you meant by rebalancing? How do you evaluate which funds need to rebalanced? Any criteria?

This post has been edited by Ramjade: Oct 22 2015, 11:34 AM

Yes, will top up regularly.

Re-balancing is moving the money from funds to funds. Equity to Bond. Malaysia exposed to Asia ex-Japan or Developed market or China or Japan or etc and vise versa.

I do not have a fix criteria on re-balancing bro... I will ask my own crystal ball. If you think you have too much % in equities, you can move some to fixed income. If you think China will do well in next 2 years, then you move your money to China more, etc, etc..

got these 2 answers from the web....



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