Volatile is good...
I think it change a lot because of additional investment during market down causing IRR to spike higher. yes/no?


Unfortunately my portfolio has change a lot due to distributing them among 5 beneficiary accounts and doubling of portfolio size. I'm quoting just the main portfolio, the rest are quite small in size. Also need to cut down main portfolio IRR to 6.54% due to 2 of the funds NAV was actually dated 29/9 as highlighted by wil-i-am.

My IRR shoot up to 10.34%. Main contributors are AmPrecious Metal, CIMB GCF and TA GTF

I can calculate daily as well but using my own excel file as it is integrated with my weekly buy/sell signal. No fancy graph like polarbearz's one

It can swing up and can swing down as much too. My IRR is out of whack already due to too much recent top-up I think. Similar IRR effect as fund bought less than a year.

Think it will settle around 3.7

I think normal top up should not affect IRR much but mine is like doubling the amount invested in some of the funds.
As for the amateur fund manager, how much is he charging? You should ask him for more detail like his IRR volatility.

RM climb or USD drop? More like the latter.

USD has been going down as well, so may be compound effect?

Switching out my AmPrecious Metal to lock in profit about 13%. Hopefully it did not move much either way tomorrow.

Feeling same thing here, how you predict?

Profit taking is also a kind of rebalancing if you switch it to fixed income fund. I don't advocate annual or regular interval rebalancing as I've experience that some of my funds that went up a lot in value already went down by the time it is up for rebalancing. Now I switch to having a trigger level such as profit of 6% (or 10% etc.) to trigger a profit switch to bond.

Will switch out all my profits in EI Small-cap to EI Bond tomorrow. Profit at 15% as of 21/10 NAV.

Switch out profit only. If budget is good, still have the capital to ride up. If no good, I have ammunition to go back in when it crash.

I trade US stock market and the trader in me said lock-in profit is good. If I did not lock-in profit in 2008, I would not have made 50% profit at that time.

You might want to skim though as there were some good discussion back then. For example during polarzbearz development of his spreadsheet, there were detail discussion such as formula and calculations etc.

This post has been edited by kimyee73: Oct 25 2015, 10:33 PM

My experience. When my sister passed away early this year, I did ATM withdrawal at max rm5k from her HSBC account for 3 days and they made a call to my sister's handphone on 3rd day. Since my sister not able to answer the phone, the ATM swallowed her card on the 4th day. Bummer for me but it is a good protection for consumer.

As for online transfer, I made daily transfer to max of rm20k from Ambank to CIMB daily for several weeks without any question or calls from the banker. I did the same for several days from my dad's Maybank account to my CIMB account without any question. So should be no problem for your wife to transfer large sum of money to her account.

This is what I know:
AMB, Manulife, PMB & RHB - Rm25 switching fee.
Pheim - 1% switching fee up to Rm100 max

The rest no switching fee but some got condition
Eastspring - 0.5% if switch within 90 days, min fund is RM1000 per switch.
TA - 0.5% if switch within 30 days. min fund is Rm1000 per switch.

This is good only for small amount. If large amount, better transfer directly as it will double the number of days to switch and NAV would have moved away already positively or negatively. BTW, this RHB MMF is not the same as FSM CMF RHB MMF2, right? Thanks.

That amount includes 6% GST.

I've already experience with Ambank, Maybank and CIMB normal saving account. I guess others would be the similar. As for SA to FD, that would depends on e-banking facility for each bank. I know HSBC can perform everything online as I've tried that with my late sister's account and it has one account number for everything you have with HSBC including saving, FD, loan etc.

This post has been edited by kimyee73: Oct 27 2015, 04:45 PM