OK, will ask once I had felt fear and anxiety myself, first hand,....ELSE I would not know what he is talking about when he told me .

i guess the reflection does not need to happens now under such dire mkts situations...unless the current reflection about is about how one felt about the current losses.
maybe after this current storm is over, one can reevaluate his fund selections and switch into those that has the risks and investment objectives that are suitable to one emotions of fear one felt under current situation.
FSM did encourage one to reflects upon what one had and the achievement status of what one had periodically...there are many articles on rebalancing, so that one can investing globally with profitability under higher probability.
*replace the word "reflection" with "review" if one does not want to feel so spiritually.

with no end in sight yet......IRR is already < 3%

to be honest...it could have been a lot worst, if not by luck i sold off Hw Jpn Growth and HSAO on 4 Jan and reentered on 18 Jan (combined total is about 20% of portfolio value)

This post has been edited by yklooi: Jan 20 2016, 08:25 PM


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I think this is more relevant....
How Does One Predict Equity Market Returns?
In this article, we highlight the 3 key components of equity market returns, allowing investors to estimate the potential returns one may expect from an investment in the stock market.
Author : iFAST Research Team

http://www.fundsupermart.com.my/main/resea...t-Returns--1385

Boring day eh?... for a little bit of "Tahi lembu jantan".

i made 6 out of 10 transaction into these TOP sales fund last week.
did i have so much money to move the ranking or there are alot of people doing that?

Titatn and India are in top 5....
China and ponzi 2.0 ...wei...i did moves some it them too leh




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i think too late already...mkts already down too much. further more....

"The cavalry might be coming to the rescue in terms of the central banks starting to sound more dovish," Shane Oliver, head of investment strategy in Sydney at AMP Capital Investors, told Bloomberg TV.

"There’s a little bit of light at the end of the tunnel. We’ve probably seen the worst and by the end of the year things will be a lot brighter than they are now."

After a rout that has wiped several trillion dollars off global markets so far this year, the prospect that two of the planet's biggest central banks were ready to step in finally gave investors something to cheer about.

On Thursday, European Central Bank boss Mario Draghi highlighted concerns about the impact of plunging equity and oil prices on already weak inflation and pledged to reconsider its monetary policy at its March policy meeting.

Japan's Nikkei Asian Review reported that the head of the Bank of Japan, Haruhiko Kuroda, is weighing up his own plans to fend off the threat of deflation caused by the oil crisis.

The latest developments spread some much-needed confidence around trading floors, sending Tokyo shares surging 3.6% by the break.

Hong Kong was 2.5% higher, Shanghai gained 0.7% and Sydney added 1.3%, while there were also gains of more than 1% in Seoul, Taipei, Singapore and Manila.

http://www.bangkokpost.com/news/asia/83584...-stimulus-hopes

what if they did not act with shear force?
or will the cavalry being ambushed by the Oil cartels and the communists....

This post has been edited by yklooi: Jan 22 2016, 02:59 PM

just for the "Fun" of it.....go update your portfolio performance as at 21 Jan ....

I think many would
my XIRR is 2.08%

on the consolation....it is still higher than my lowest (since data captured) which is xirr 1.85 in 25 Aug 2015 (Global Rout) and xirr 1.99 at 1 Sept

This post has been edited by yklooi: Jan 22 2016, 07:53 PM

just wish you did not lose much...
hope you will remember this incident and your reaction to it emotionally before your next investment.

maybe b'cos of this.....?


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I think this is timely and may helps many that are still pondering as to what should they do at this junture.....

What Should You Do If You Invested At The “Top”?

Given that a -20% decline is no trivial matter, investors might be seeking ways to reduce overall drawdowns and potentially recover their losses quickly given what has been one of the worst starts to a new year in financial market history.
iFAST Research Team ..... January 22, 2016

https://secure.fundsupermart.com/main/artic...-The-Top--11233

from 12 jan to 23 jan, your IRR just dropped 1%
but the variance of yr 12 months returns comparing 2015 is

I think I will use portfolio data captured as at 21 Jan NAV as a mile stone to see how 2016 faired from it....
(I think 21 Jan NAV will be the lowest this year)(don't ask me why I think so...b'cos I just think so )
unless the CHINESE devalue its YUAN again later this year which I think they will too.

This post has been edited by yklooi: Jan 23 2016, 07:08 PM

I understand how you felt...but with 5 years at less than FD rate,...you still stick with it?
what is your ratio of FI:EQ?
what is your expected ROI pa you seek when you planned your initial portfolio that are suitable to your risks?
Don't just focused to much on the returns...have a bit of consideration about the higher risk for higher return.....
in short...can you have a peace of mind for a good nite sleep

didn't you ask FSM CIS for assistance?

or try to consider a locally back tested portfolio by "lukenn" at 10.92% CAGR on last 10 yrs (2004~2014) at 50% FI : 50% EQ
page# 37, post# 723

mine at 2.5 yrs at about FD rate...already BEH Tahan liao


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very good idea. ....

from your simulation...what is the expected CAGR for this 5 yrs for that portfolio?

no-lah.....when they called upon to review,....they will ask some personal info/details and if one is ok with the risks and returns of the current holdings.
when one said,..i wanted higher ROI and can stomach the volatility....then they will review .
they would then would make some suggestion....to change the holdings
it is up to individual to follow thru with it...

yes, b'cos it is our money.....
I think this also applies to paid consultant services too....
unless one go for ASx - FP and say,...I don't care what or how you invest...I just want some dividend to be paid annually and when I had enough I sell it back to you at the same value as I bought now....

if that someone can simply take deposit and guarantee just 5.5%.....i think that some one would make a lot of $$ by just take your money and buy into these.
the money he had make by giving you 5.5% pa is just too good.....
yes history may not repeat, but a least it is a good guide.

I "just think" your 5.5% pa can be "easily" achieved if you just put 50% in FD at 4% and 50% buy into these funds



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I just want to have an IRR of 7~8....preferably can be maintain for 6 months at any 1 time.
not sure if can be done or not....

me, me, me.....one of that some one is me
hope my definition of monitoring is of the same page with others.
my monitoring is capturing and recording the data. that is it....nothing else.....as to why?...for the fun of it and b'cos I am free.

btw,...this routine is not suitable to everyone even though they are as free as me....b'cos sometimes the sights of the captured data is so "not good" and that may lead them to do something that they would not do in normal time.
But sometimes I too wished that I had taken action earlier from the sight of the data.


This post has been edited by yklooi: Jan 25 2016, 10:43 AM

Really? that is GOOD...

isn't it just last week they said OIL and EQ mkts related??

Oil prices fell 4 percent on Monday as Iraq announced record-high oil production feeding into a heavily oversupplied market, wiping out much of the gain made in one of the biggest-ever daily rallies last week.
http://www.thestar.com.my/business/busines...ing-oversupply/

will this 4% dropped be reflected in tomorrow Eq mkts?