TQ very much... feel like a dumbo

Pheim Asia Ex Japan Islamic to Pheim Income fund, thought want to learn from Vanguard's ninja trick to accumulate credits... turned out these credits cost me 1%

Pheim and RHB-OSK has switching fees

High correlation coefficient with Ponzi 2.0 ma...

Anyway, all these correlation stuffs sounded familiar to me but not exactly sure what it really includes... Now I know why, I studied them in ACCA last time Was clearing some old boxes from store room and found my notes... sei mou.. completely forgotten what I studied

As to EI bond fund, is it such a great fund? If I judge from 6 months returns of 1.9%*2, the annualised return is 3.8% which is the same as CMF. I disregarded the one off recovery of previously impaired bond that caused 1 year return of 11.7%

I hold RHB Islamic bond... but it's riskier la, 20% on a single A rated bond

Opps... sounds like I'm older I took under old regime so finance is mandatory. In fact, the last 3 papers I scored highest for finance....

Geng wor, professional level can score >80%... so at least Msia prize winner lor?

Hmm... when I tried on morningstar, I remember getting 60ish correlation between RHBATR and ponzi 2.0

OT... accountants who r better at goreng-ing exams than counting... sounds like will be good at cooking books.... alarm bells going off

Anyway... of course cannot average like that la... I logged in to morningstar again, still show me 0.72

Need to ask your con-sultan how he get his numbers

Yup, register for a free account and you can set up a portfolio and x-ray it

Courtesy of vanguard... best discovery for the year ...

TQTQ

So it's something free account can't do? Can't seem to find a button to change currency

But the Affin Hwang PRSs not yet... slow betul, somemore the distribution date is earlier, 8 Dec vs ponzi 1's 15 dec

After you x-ray it, the document has a pdf link at the top right corner, click that and a more detailed report would appear

Con-sultan is going to start to charge us soon

Thanks!

Too bad no free MYR table....

Not sure if our con-sultan regret coming to this thread... all the people in this thread same same one.... want free and good!

All the functionalities do not require you to be even have an account with fundsupermart. Try it

Wah.... free falling today

China fell 5.7%

Me... every year buy different fund
Problem with looking at rear view mirror when investing

You are looking at PRS too simplistically

I would look at it at each of its element

1. Employee contribution - compare against UTs; PRS with lock in, UT without - only differentiating factor is tax relief
So yes, contribute only up to RM3k per annum

2. Employer contribution - compare against EPF; both have lock in period
If you are self employed in a Sdn Bhd; or have some say on how HR deals with the additional employment benefit; ie company currently contribute more than 12% to EPF
I would recommend for the extra % to be contributed into PRS instead of EPF
Why?
- The additional % up to 7% would be tax deductible anyway, if contributed to EPF or PRS
- The employee does not have to pay sales charge to take out account 1 balances to invest in UTs
- The choice of PRS funds are not limited to Malaysia equity funds; you get asia pac funds as well
Cons - HR got more work to do as the employees might choose different funds in different fund house

Unfortunately PPA does not do a good job in (2) and therefore the AUM for PRS is still very low. Most banks and many MNCs contribute additional % to EPF as a staff perk. Most PRS equity funds would exceed 2.5% return or even EPF returns on a longer term basis

I supposed each of your account would be designated for a different purpose right? I did thought of transferring my current individual account to 2 beneficiary accounts for my 2 kids; but what if 1 perform and 1 doesnt?

I tried adding more flavors to that thread.... needless to say, I failed miserably

Ahem, the asset allocation within the fund is 75% or more in equity ok...
But yes, not much difference with fund you go with in terms of returns

Even after multiple reminders most still think it's FD equivalent and capital guaranteed

Thanks to our government who wants to leverage on the people's money to prop up the share market but at the same time these people will not invest in anything that may lose money

Capital guaranteed is such a powerful term in behavioral finance; as soon as people hear that word, all logic goes out of the window