United Healthcare Fund lost about 14% YTD .... good time to top up?

too bad I hold healthcare reits only.

Too bad or luckily....?

So what's your investment strategy amidst of the global rout?

My portfolio IRR drop to 1.05% only since first purchase at Jan 2013. Will continue with my plan to do DCA monthly or even Value averaging when i think is the time to add more etc __% drop from my initial purchase.

Recently I just build my warchest and slowly add on to my stock portfolio with sgx. For UT, I just continue let it to run and hopefully can ride out the storm. what's your take then?

I wish I have an answer to that and hence why I'm asking.... my portfolio is in deep red So I guess I'll just do the ostrich thingy... no eye see for now

After factoring-in the exchange rate (converting into the SGD) and offsetting with the dividends collected all these years, my portfolio is still slightly green as of now.

If only talking about the nav alone, and after factoring-in the exchange rate by converting into the SGD, my portfolio is 20% down.

I think it makes sense to include the dividends in assessing IRR because you have the option of reinvesting the dividends, but should disregard the forex impact. Means instead of RM250k initial layout to convert SGD100k and now the SGD105k total is worth RM310k @2.95 should be disregarded. Instead, you gained SGD5k

what about your stock portfolio return? (after factoring all dividend in) I notice most of the forummers in LYN hold more Reits than growth stocks.
;

Can top up First State Dividend Advantage and United Global Healthcare ?

First State Dividend Advantage still a hot pick, top volume by sales no.1 based on FSM SG website.

But Asia is still looking very gloomy.... Anyway, I've overweight on Asia already, so I didn't go for it. Added a bit of Global Healthcare, not sure if it's the right thing to do

The forex impact to me is not between the SGD and the MYR, instead it's between the denominations of the foreign currency bond that I am holding and the SGD. The SGD has been strong against the developed country currencies, hence, I tend to lose out after the conversion. If I should disregard the forex impact, I would be quite deep in the green, overall.

I stop counting my IRR for my Bond Funds in the SGD, and not converting into the MYR anymore.

Stocks and REITs portfolio,.. without factoring-in the dividend, I am now = 16.85% up. Don't know up by how many percent if factoring-in the dividend collected over the years too,...did not count.

Be careful,... if you talk to the investment advisors at FSM Sgp, all of them will tell you that Emerging Mkts are undervalued now, and should go for them. To me,.. it's still risky to try Emerging Markets now. FSM articles are all talking about the good side of EMs now,...

Hansel, what bonds fund can i consider? Mind sharing some in your basket. I plan to keep some in my basket for long term.

Hi Prince, the bond funds that I go with are all bond funds that buy into high-yield bonds. High-yield Bonds are also known as Junk Bonds, typically at ratings below BBB. Junk Bonds are considered as high-risk by many. But to me, I've been holding my bond funds for almost 10 years, have ridden through the GFC, the Euro Crisis and other crises too. The DPU has dropped, but throughout the years, the funds have been paying me a dividend, on a monthly basis.

It depends a lot on your risk appetite.

https://secure.fundsupermart.com/main/artic...Exposure--11267

Promotion: Zero Percent Sales Charge, Maximum Investment Exposure!
To assist our investors in taking advantage of opportunities offered up by the recent market correction, we are currently offering all investors 0% sales charge on ALL funds from now till 29 February 2016. That means you get maximum investment exposure on your capital!

who utilize this promotion to top up/lumpsum?

Why FSM MY dont have 0%sc?!

Maybe coming soon?
I have zero holding on FSM MY already. last sold my Ponzi 2.0 by December with total profit of RM1.5k since first buying on Apr 2013..
Now focus on FSM SG and move to SGX

This post has been edited by yck1987: Feb 15 2016, 11:40 AM

Because FSM MY don't have platform fees for equity funds lor, if I remember correctly FSM SG currently charges 0.45% per annum platform fees on equity funds