"Your IRR will slowly rise with your 10% annual ROI"
looking at my chart/data....it seems that the RATE of IRR movement from year to the next is getting less as the year goes by...even though the ROI rate is at 10% pa.....
have to think of a way to max the investment, at a risk reward pattern that i can take.
will be thinking of how....will post result here as usual...

YES...if you screwed up your youth...you will get harder at later stage of life......same philosophy as investment? ha-ha.....if your IRR are screwed up the first few years of your investment life.....your better investment IRR will be harder to achieves later in the investment life..

have to try to convince myself of your post about....
"if can get 10% pa annually, IRR does not matter"...
i know it is true...just that.........

thanks


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First dating, cost of getting marry getting higher, my salary cannot catch up..
Come to a point wanna date a good girl, but target 1 - 3 years dating, maybe 4x of salary dowry then marry..
But kaboom or don't work out could happen, sound unsecured..:
all daters got any brilliant idea?

Xuzen

This post has been edited by xuzen: Dec 17 2015, 02:21 PM

Fed rate up, US equity rally... Titan up, you win some

Fed rate not up, Emerging Mkt rally... Ponzi up, you win some.

Titan down, Ponzi down.... your CMF up.... you win also.

Diversity rulez!

Apa lagi lu mau?

Xuzen

Ngek! Not too right..
there may come a "storm" to wipe out the basic financial instruments as we know them
BUT...
when that happens, i think our stocks/mutual funds/cash will be the least of our worry
(think food, water, easily defend-able shelters, weapons)

---
oo.. btw, on the Luxemburg / Ireland domiciled feeder funds (eg GTF, ESIGEM, etc) - 2% service charges, 0% withholding tax & capital gains, 1.8%pa mgt fees
VS
US-domiciled ETFs - 0.6%+/- brokerage fees. 30% withholding tax on dividend, 0% on capital gains on non-resident aliens, 0.5%pa mgt fees

assuming dividends contributes to the total returns averaging 44%-48%
+
based on responses from FSM,
=i think i'll do ETFs only when there's extreme fear / blood.
The differences, give 100 years, 75 years and 30 years holding... less than 10% variance per year average on an assumed 8%pa returns for ETFs.

However, to me, specific US-domiciled stocks still looks good going directly.

Shared Excel (zipped):  Total_Returns___Price____Div_.zip ( 181.43k ) Number of downloads: 15

please do highlight if i've mis-assumed / miscalculated some stuff, impacting the bottom line greatly ya

This post has been edited by wongmunkeong: Dec 17 2015, 03:48 PM

Putin vs Obama

End of Days™

Fitch keeps Malaysia’s rating at A- with Stable outlook

http://www.thestar.com.my/business/busines...ting/?style=biz

I thought we have ValueCap

but wait ...

Delay in ValueCap’s RM6b injection?

KUALA LUMPUR: State-owned investment fund ValueCap Sdn Bhd, which was expected to start buying up underperforming stocks on the local bourse this month, may see a partial delay in its first tranche of funding of RM6 billion.

A source familiar with the matter told The Edge Financial Daily that there had been a delay in the funds coming into the market.

URL: http://www.theedgemarkets.com/my/article/d...medium=facebook

I tried TA before, in stock investment.

But whether it's stock market or UT, trend, momentum and sentiment are all short term. Since I invest in UT for long term, I don't bother to do TA lah...

TA, if we get it right, we may save a few percent of capital. But I am eyeing 8% annual return

And, if we get it wrong, we may miss the boat...

This post has been edited by river.sand: Dec 17 2015, 06:06 PM

I wonder which party delay the funding?

Not all TA are short term. It depends on your time frame. If you trades on weekly or monthly chart, they are not short term. What happened if you don't use TA in 2000? US market was moving sideway for 12 years before breakout and in the bull for last 3-4 years. Imagine your money going nowhere for 12 long years.

Heed the Lessons of History—Can the US Rate Hike Benefit the Stock Market?.... December 17, 2015....Author : iFAST Research Team

http://www.fundsupermart.com.hk/hk/main/re...articleNo=10947

Money will b redy JIT for window dressing @ Bursa on 31/12

I have been looking at the PRS funds mainly for the RM3k tax relief.

The only benefits are as listed in FSM website.


But I see the performance of the funds are so, so only. I think the best performing fund is Kenanga OnePRS Fund. Am I right? Apart from tax relief and zero sales fee, I can't think of any other reasons why someone would prefer PRS funds with their lock in period compared to the normal funds under FSM.

Kenanga OnePRS Growth Fund?

It is feeding into KGF.

Yes, I know. About 70% KGF and 30% Kenanga Bond. But I think it is OK if I only put RM3k every year for the tax relief although I already have KGF in my portfolio.

I'm no expert, just thinking out loud. With IRR below 4.5%, its much better off putting that money in your home loan account (I'm assuming you have one). It's capital guaranteed and ~4.5% savings/returns guaranteed.
Do you really need to be diversified globally and in return get a lower IRR? Each fund in itself is already somewhat diversified (of course there are those special focus funds) compared to single stocks etc. If you choose any of the good local fund and only wallop them, example only KGF or Eastspring small cap or RHB smart treasure and keep a 5-10 years horizon. Is the risk really that great in this case that die die must diversify?
BTW, I'm post 1997 era so maybe those who lived thru that era would feel differently?

......
"IF" can know the outcome before hand,...then like you said,..putting it in home loan is much better....
in investment, I could not foresee the outcome of my investment (unless I choose FI/mm funds).
but now with my simulated data....I "can see" the possible outcome of my IRR......
but as Kimyee said.....IRR does not matters if ROI can be kept high yearly...

Do you really need to be diversified globally and in return get a lower IRR?
depending on the situation,...just for example.....due to Ringgit depreciation....some Global funds performed much better. I think diversification is to reduce portfolio volatility risk, to have a more stable portfolio......
yes,..because of that, it "may" reduce ROI. (because if did not diversify,....fire power concentrated on the wrong area would not gives much returns too)

Is the risk really that great in this case that die die must diversify?
depending on what one seek......better sleep or better pocket money.


yes, thanks for the suggestions....KGF or Eastspring small cap or RHB smart treasure
I had been planning on focusing on that too.....missed out on smart treasure thou...now will plan to add smart treasure on board.....
will not keep 5-10 yrs......Change, if they did not perform after 2~3 yrs.....(the more years that did not perform, they will drag down my IRR/ROI)

my preliminary new set up planning is 45% FI, 55% EQ, EQ focused on Asia pac, m'sia + 2% in global tech
like you said..."only wallop them" (the past high performers)

"I'm post 1997 era"...maybe a good thing too.....new ideas and inspiration too....

thanks again

For individual contribution, yes, that's about the only benefit

That's why I always advocate for it for employer contribution. But not many employers are willing to do it. If you are self-employed under Sdn Bhd, you should consider that

One of the popular tax planning method is to shift remuneration into extra EPF contribution as it is tax deductible for the company up to 19% employer contribution. For the extra 7%, actually PRS can get tax deduction too. The biggest pro is, if you put in EPF, when you want to take out account 1 for unit trust investment, you need to pay sales charge; the funds must be approved by EPF which means only Malaysian equities and the amount you can take out will be less than the entire additional 7%

The con however is, most HR would not do extra work paying into different asset management companies and occasionally the employees would want to switch funds or fund house

Thanks a lot for your info. I am an employer but not under sdn bhd. I am under partnership. Therefore I think I should do PRS to get the tax relief. I don't have EPF as well unless I do self contribution.

This post has been edited by Vanguard 2015: Dec 18 2015, 10:46 AM

Actually I wish they have pure equity funds like CIMB or Affin Hwang or Am for us to choose. Kenanga bond is really lousy and dragging down the growth fund performance... 1 year return of 2.3%, CMF is much better