Hi bro, thanks for the reminder. I forgot about this service. I will check it out.

Many years ago I started invested in Public Mutual funds. After reading up more on unit trusts, I decided to stay away from buying more in "silent protest" over the high sales fees.

Somehow I missed out Fundsupermart when it was launched in Malaysia a few years ago. Obviously I also did not know that Low Yat has a FSM forum lead by the TS, Pink Spider.

Life is full of ifs and buts. IF FSM had existed 12 years ago and IF this FSM forum had existed then and IF I had started invested then, I should have a tidy sum of money by now.

BUT hopefully it is not too late for me to start again now.

This post has been edited by Vanguard 2015: Nov 5 2015, 10:07 AM

Eh sorry. I also did not know about the existence of the Edge newspaper then.

The first 7 years of my adult life was spent working mostly 7 days a week. Just trying to keep my head above the water.

How time flies.....that was about 18 years.

Dengan sukacitanya saya menganugerahkan kepada saudara Xuzen A+ untuk kertas ujian Bahasa Malaysia SPM.

All my funds are green. My top 5 performing funds:-

(1) Eastspring Investments Small Cap 14.73%
(2) RHB Asian Total Return 13.60%
(3) TA European Equity Fund 13.60%
(4) Kenanga Growth Fund 12.36%
(5) CIMB Global Titans (?) income distribution declared.

P/S: This is partly the effect of window dressing on my part. All my China linked funds and Japanese Growth Fund which were in the red have been sold off.

This post has been edited by Vanguard 2015: Nov 5 2015, 04:46 PM

I just topped up the RHB Asian Total Return Fund.

I also switched out the remaining balance from my Affin Bond Fund into the Affin Hwang Select SGD Income Fund. Go Singapore go!

Speaking of tower......I had a good long lunch just now. About 6 glasses of beer and 3 glasses of whisky.

I am really feeling the after effect now. I don't really understand all this talk about calculation of distribution. Sounds a bit....anal? All I know is.... everyone is making money with the current market. Happy, happy.

Have a good weekend everyone.

I starting buying the Eastspring Investments Global Leaders MY Fund on 27.8.2015. It is really performing well. To date, my fund is up about 7.52%.

I am not sure why it is not very popular compared to CIMB Global Titans. With a Sharpe ratio of 1.63 and an annual expense ratio of 0.22%, this is a global fund worth investing in. Of course it is also part of FSM's Lists of Recommended Funds.

If you are looking for a global fund with a risk rating of 7 and a reasonable return, this is the fund for you.

At present, the ROI for my overall portfolio stands at around 7%. It is still better than FD rate. Hopefully the ROI will continue to increase until year end.

Funds which I plan to top up gradually until the end of December 2015/ January 2016

(1) TA European Equity Fund (Priority No. 1)
(2) CIMB Global Titans
(3) CIMB Asia Pacific Dynamic Income
(4) Eastspring Global Leaders
(5) RHB Asian Total Return Fund

Funds which I have topped up last week:-

(1) Eastspring Small Cap
(2) Eastspring Global Leaders
(3) RHB Asian Total Return Fund

Current bullets / cash level : At about 30%

How will our Malaysian economy and share market perform for the 4Q of 2015 and the 1Q of 2016? Will it still continue to trade sideways? With the current low oil price and depreciation in RM, the Government need to increase its revenue. If you were the Finance Minister, what would you do?

(1) Increasing the toll for PLUS highways

PLUS aka the Government has confirmed an increase of about 5% for 2016. It is only a question of timing. Possibly before the CNY holidays in February 2016 to maximize the income?

(2) Increasing the GST

VAT in Europe ranges from 15% to 27%. It may be political suicide for the Government to increase the GST to 7% or more before the next general election in 2018. But gradually the GST should go up to more than 10% in the mid term to long term.

(3) Increasing the personal income tax

Already done. Maximum tax rate for the wealthy (i.e. earning RM1 million and above) has been increased from 25% to 28%.

(4) Increasing the sin tax.

Already done. Over 40% increase in excise duty for cigarettes. Current price for a packet of Dunhill is about RM17.00.

(5) Reducing the remittances by foreign workers to their home countries.

In the pipeline. The Government is proposing a scheme requiring foreign workers to pay a part of their monthly salaries into a fund. Alternatively, their salaries could be deducted directly as a remittance to the fund, in a manner similar to the Employees’ Provident Fund (EPF) contributions.

(6) Any other possible revenue?

Yes I remember attending the FSM exhibition at Mid-Valley sometime in January 2015. Promo rate 1% sales fee for all funds.

But currently I am still using my free credit points. I still have some points to spend after selling off my China equity funds.

This post has been edited by Vanguard 2015: Nov 16 2015, 02:02 PM

No, unfortunately that is not an option.

Malaysia has one the largest civil services in the world, with a 1.4 million civil servants accounting for 10 per cent of the labour force. It is a civil servant to population ratio of 4.68.

We have to maintain or increase the civil servants. Otherwise the unemployment rate will go up.

No, I think our Government is greatly misunderstood. Our Government cares about the rakyat in employing so many civil servants. See how they have also increased the BR1M from RM500 to RM1000.

If we invest the RM1000 into Fundsupermart, with a 10% annual return for the next 20 years, it will grow to RM6727.50. This is more than enough for our retirement fund. What more can we ask for?

Ponzi 2 is the laggard in my portfolio. All my other equity funds except for China funds have double digit returns after 6-8 months of investment.

Maybe Ponzi 2 has become a lumbering dinasour? Fund size is more than 2 billion RM, I think.

Anyone got appetite for AmPrecious Metal? It fell more
than 17% in one month.

I just realised from my account that the TA European Equity Fund had 2 unit split exercises this year, on 14.4.2015 and 23.11.2015 with the usual statement,


Looks like I have to hold on to the champagne first.

What a roller coaster year. Without some asset allocation and re-balancing, I would have been wiped out by the China market rout in August.

My current ROI is down to about 4.91% from about 7% previously.

The Fed may increase interest rate in December 2015, the RM may continue to strengthen and the China economy outlook for 4Q may still look weak. I can't think of a better time to top up my existing funds. I am also planning to re-start my supplementary portfolio in December 2015. I have short listed a few candidates...

May we all continue to prosper in the year 2016.

I have a noob question. All the markets are turning red now.

So is there any difference if we top up now or top up after 3 p.m. (i.e. Monday's price).

The usual candidates which I have posted here previously...

(1) TA Global Technology Fund
(2) CIMB Greater China Equity Fund
(3) RHB-OSK China India Dynamic Growth Fund
(4) Libra Consumer and Leisure Asia Fund

Note : I give you some bonus info. Beware of the Correlation Matrix of the funds...

(1) Libra & CIMB China = 0.76
(2) Libra & RHB China India = 0.80
(3) CIMB China & RHB China India = 0.79

Therefore you should choose either one of the above China linked funds only. OR if you are feeling kamikaze like me, then you can choose CIMB Greater China and RHB China India together.

Bro, maybe my question not clear enough...

My question is would we "profit" more if we top up before 3 p.m. today since the markets are red or would we "profit" more if we top up after 3 p.m. (and get valuation as at next Monday).

Could you clarify?

I tried to grab Xuzen's balls but he said it is not for sale.

I topped up quite a bit wor just now. I managed to put about 1/2 into Fund A at 3 p.m. sharp (today's price) and the other 1/2 top up into Funds B & C after 3 p.m. (Monday's price).

So I will look at the effect next Monday and next week once the prices are confirmed. As usual, I owe you a beer. Thanks