Really depends on the individual. No one size fits all. The behaviour and the strat of the portfolio should be customized to fit you. So if you're taking ideas from everywhere sure rojak. ngiam ngiam ngiam ....

Iif you're interested in my services you can PM me directly. My rates are very reasonable

Actually this happens to a lot of ppl. Its just a matter of whether they realize, and do something about it.

This post has been edited by lukenn: Jan 24 2016, 11:34 PM

dasecret is mutli diamond studded platinum status. Min AUM is RM10,000,000.

Vanguard, are you in the same category as dasecret ?? RM30K loss no feeling...

This post has been edited by lukenn: Jan 24 2016, 11:35 PM

There are at least a few good ones in town, and after a conversation with them, you'll know if they're worth your time. If you look at my previous (non sarcastic/bullshit) posts, you can tell where I'm at.

Malaysia has been in one of the longest bull runs ever (2009-2014). 5 very good for UT. If anyone has been invested during that time, and not doing well, I think they should PM me for professional services lor !

This post has been edited by lukenn: Jan 25 2016, 02:11 AM

I dont work for FSM ...

Not sure who is who, but for dasecret RM30k is wet wet water. less than 1% drawdown.

Good sales/people skills? FIMM license college kid also can pass la.

I really don't mind giving my RM0.02, some of the forumers here can attest to that. I just got a little annoyed the when one fella was demanding this and that.

Paper loss is not yes realized its a loss .... ??

high correlation and high overlapping coverage is not necessarily a bad thing. Just remember to adjust the allocation..

eg :

local equity allocation 40% ==> KGF 20%

- or -

local quitey allocation 40% ==> KGF 20% + EISC 20%

Dunno wor... never spoken to them before.

The premium banking ones, some are good, but depending on where you go to the choice of funds may not be what you want.

You try first and see lor. Then let us know. Doesn't cost anything right ?

Share your questions and their feedback. Then let the forumers have an idea of how it works.

This post has been edited by lukenn: Jan 25 2016, 01:18 PM

Did that conversation help you ?

I can absolutely, certainly, 100%, confirm and reaffirm, unambiguously, absolutely, perfectly, confidently, concretely, explicitly, directly, genuinely, inarguably, kon-l@n-firm beyond a shadow of a doubt that I cannot get a CAGR of 20% and above. That is beyond my ability. Am-kong once every few years, maybe.

I know 2 fellas who maybe can la. One American, one British. Mr. Buffet and Mr. Harding. Forgot to mention they dunno who I am la.

Actually my clients must be the old uncle and aunties who dont know how to use the internet these fellas are talking about. Their portfolio down less than 2% since 01/12/15 they are very, very happy already.

This post has been edited by lukenn: Jan 25 2016, 10:19 PM

guy3288 I'm not even reluctant. Like I mentioned earlier, for 3Y to get CAGR above 20% is beyond my ability. This is simply because I would never recommend that my clients take on so much risk. Why? Here's the math.

10% loss = 11% gain to break even
20% loss = 25% gain to break even
33% loss = 50% gain to break even
50% loss = 100% gain to break even

The larger the loss, the harder it is to recover. In lay terms, a portfolio with good risk management will eventually outperform a volatile high yield portfolio.

As for 5Y and 10Y, even with a 100% allocation in the top performing fund would yield less than CAGR 20%.



Having said that, my primary goal is to manage down side risk. The up side will take care of itself. My secondary task is to keep the clients discipline. Making the hard decisions to keep them on track, and preventing any emotional knee jerk reactions.

This is probably why my views and strategies differ from the rest of the consultants/forumers/individuals.

Even my clients with the highest risk profile I would cap stddev to 10~12%. I'm guessing if I hit 20% losses, I'd be out of the business. Since I started, I have only had 1 full redemption due to illness, 1 full redemption due to the client leaving the country, and 1 partial redemption during rebalancing for profit taking.

I don't know what your life circumstance is, so it's difficult to comment further.

This however is probably not a good idea.

IMO, RHB ATR is not going to do well in the medium term. Most of the recent performance are FX gains. When the MYR (eventually) swings back its going to be painful. The coupon rates are going to be dwarfed by the FX.

MY MYR0.02.

bro, i think you need to rebalance your entire portfolio. You're holding 100% equities, mostly foreign. Your risk is kinda through the roof right now.

My feeling would be about the same. Bond tenures are a bit long for my liking, but the yields are not bad. Size is good too. Unfortunately I'm too lazy to read the annual report to see what else they holding. HAHA

Have a read and see what conclusion you come up with lor.

Feeder : http://www.fundsupermart.com.my/main/admin...eetMYOSKEMB.pdf
Mother : https://secure.fundsupermart.com/main/admin...sheetUBGEMS.pdf

No clue, but I hope its layered with a lot of cash and FI. Some (conservative) local equity exposure would be good too.