KGF fact sheet mentioned on 31 Oct...." A year-end rally or window dressing is possible especially on the back of the disbursement of funds to ValueCap for investment into under-valued companies".

Lee SY

just wondering what is the correlation to DJIA?
US drop x%...KLCI drop Y%
i think all linked to a certain extent...

i loves angels........don't you loves angels?

btw,...found this...
LOWEST PROMOTION AT THE EVENT!

Good news for investors who will attend our event on 9 January 2016 and 16 January 2016! Fundsupermart.com is offering 0.5% sales charge for all unit trusts from 10 participating fund houses at the event, on both dates only. This means, 160 unit trusts are at 0.5% sales charge on 9 and 16 January 2016 from 10 participating fund houses which include Aberdeen, Affin Hwang Capital, AmInvest, Amanah Mutual, CIMB-Principal, Eastspring, Kenanga, Manulife, Pheim and RHB Asset Management. Investors can place a purchase order on these event dates and ensure that payments reach us latest by 15 January 2016, 3pm (for Penang) and 22 January 2016, 3pm (for KL).


get your BULLETS ready...
http://www.fundsupermart.com.my/main/resea...-1-Jan-16--6668

This post has been edited by T231H: Dec 31 2015, 05:04 PM

by that time...the NAV may have gone up > 0.5% already.....

from his earlier post at page # 5, post# 86, I think [yklooi] is looking for a quantum leap to jump up his IRR from his simulation of expectation.....
post#94 , he mentioned of what he had tried and post # 96, what he will be trying...

and from his post at page # 35, post# 700, he mentioned about FSM comments of small cap index....

therefore, I think he would not be so gung ho,...when the small cap index is higher.....
so I think he will reorganise or do his "portfolio transformation plan" again when that time comes....
he already mentioned in post # 693....."2016 will be the year of either make it or burst".

just hope that he can achieve his "portfolio transformation plan" in < 9 months....

looking at his planed portfolio allocation.....at 28% FI (AMB ITF), 21% M'sia Small cap & 11% KGF and 23% in Ponzi 1.0 (Ponzi 1.0 has 30% in M'sia).......
I think the chances of AMB losing 10% NAV which would affect his portfolio by 2.8% to be very slim compared to the chances of his M'sia coverage dropping 10% which would affects his portfolio by a large numbers to be MUCH higher.

This post has been edited by T231H: Jan 1 2016, 07:39 PM

YES,..i know you meant well, I think readers felt your good intention too....
I am sure, he will have to seek to "pay" for a managed portfolio...if his new transformed portfolio failed to achieve his intention this time....and after the free one from FSM-CIS also cannot erect his IRR/ROI to his desired level...

we can see how his portfolio is doing when he posted them in the beginning of each month (usually).

btw, yklooi,....this new portfolio composition ...you buat sendiri or FSM-CIS assisted/suggested one?

"From what I have been following (few months of stalking this thread), PRS does not match up to the expected returns compare to the normal UT funds".
I just wanted to clarify as not to let the mind of others misunderstood...
may I suggest those interested, go read the fund fact sheet of the PRS funds.... because for some PRS funds, eventhough it has the word Growth stated...it is actually a Balanced fund, because it consisted a combination of both EQ and FI funds.

"One can use the normal UT fund as a form of PRS also".
Yes, it can be a form of PRS also, but bear in mind...Normal UT fund cannot have tax relieve, be subjected to SC but got no lockin period.

I would say, can buy a number of PRS to form a portfolio....
ex...if only wanted a PRS fund
can try...
(a)CIMB Principal PRS Plus Growth....with it, it has
38% Asian EQ fund
28% Asia Pac Fund
30% Bond fund
PLUS a non PRS fund like GTF

if want a combinations of a few PRS funds...can try...
(b)CIMB Principal PRS Plus Asia Pacific ex Jpn ....min 95% in Ponzi 2.0...no bond fund
(e)Affinhwang AIIMAN PRS Syariah growth...min 95%% in Hwang Aiiman Growth...no Bond fund
(d)AmPRS – Conservative Fund .....FI and MM
PLUS a non PRS fund like GTF

can buy a combination of funds at no SC and still enjoy Tax relief
ex
yr 1 RM 3000 in (a)
yr 2 RM 3000 in (b)
yr 3 RM 3000 in (d)
yr 4 RM 3000 in (e)

or any other combination of your choice of funds or amount (pls note that...RM8 applies per contribution)

above is just a suggestion...

This post has been edited by T231H: Jan 6 2016, 09:07 AM

so it
2.5% + employer contribution will definitely give returns of > 10% right?

can take employer contribution into the calculation?

2.5% is EPF must gives out mandatory.....
the number used is to shows that if you add in the employer contribution.....it is large.
don't use to invest is also like you said > 10% already....

Like I said PRS should be NOT utilised for income tax only..the tax saving and the lower SC and the youth Incentive scheme are some small actions the Govt can helps to jump start one into the abit of financial planning process....
ever wonder how many started investing because of that?

Start Your Retirement Planning Early
http://www.ppa.my/getting-started/retireme...planning-early/

if SOME Uts has better returns than EPF...Why dump into EPF?
Better Returns with no locking period...
not sure?...go read page#9 post 163, 164 and 165
https://forum.lowyat.net/topic/3580942/+160

if one want to compare PRS why not I compare it with normal uts?

This post has been edited by T231H: Jan 6 2016, 09:55 AM

letter release was released in Feb 2015
so expected it to be about same time too.
http://fortune.com/2015/02/28/warren-buffe...-letter-quotes/

annual reports latest is 3rd Qtr 2015
http://www.berkshirehathaway.com/reports.html

you got invest with Berkshire Hathaway too?....

1) if you had been happy with the results of your portfolio so far
2) if the valuation is still good
3) if the geopolitical situation is still at just news stage...
4) if you still have surplus money that can be invested

then treat it as an opportunity to buy on dips....
if you want ,can top up more on diversified fund (global/balanced)...let the FM do the allocation

some would just set a sell trigger at 10%....but i think it will be very rare that UT can reach 10% NAV drops in a short few days...but if that happens...it could be a buying opportunity....reversion to mean...(unless the drops is caused by debt defaults)

the problem i think would be more acute is when the NAV just stayed there...not moving up./down much when others are moving up...then there is hesitation to top up/sell...thus would cause the IRR to drops..
(boiling frog)

This post has been edited by T231H: Jan 7 2016, 09:29 AM

Pinky use to say...allocated and diversified well and stick to longer terms.
be it Thai, India, Viet or Russian
vanguard used to says...set some allocation to the "quickies" to a little bit of trills

if you want , can try these....
Star Ratings For The Various Markets
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo

http://www.fundsupermart.com.my/main/artic...pdf_Summary.pdf

and the latest from Schroders: 2015 Review and Themes for 2016
http://www.fundsupermart.com.my/main/resea...s-for-2016-6679

Investing Through Political Turmoil
https://secure.fundsupermart.com/main/resea...SJBlog_20141002

caveat emptor

if you want can try investing into "lukenn" recommendation...RHB Growth and Income Trust fund....
balanced between Growth and Income....the FM had been doing a decent and reliable job too.
maybe can in certain % can "Removing all the dilemma, anxiety and uncertainty for the investor"

This post has been edited by T231H: Jan 7 2016, 11:41 AM

from post# 1206
cuz china market seems like going downhill and no end in sight

from post# 1208
btw,...as of 30 Nov Ponzi 2.0 has about 30% in HK & China

FSM suggest otherwise.... (think they want to make some money...)
btw the CMF sin = CMF in Singapore?? got almost 4%?



Attached thumbnail(s)

Wrong in what?
pls elaborate the Wrong spec/rules?

example
did the crystal ball spelled out...
these holdings will get x% of profits by...x months? or
these holding will NOT falls even when others will?
These holding will not have volatility?


This post has been edited by T231H: Jan 8 2016, 11:36 AM

TIP #4: INVEST IN VALUE AND NOT MARKET SENTIMENT

There will always be noises in the markets.
The important thing is to screen out these noises and focus on long-term fundamentals of your investments and the prospects of your investments.
Do not be worried about short-term market fluctuations, stay focused and keep calm. Presently, our Research team favours China, Hong Kong, and South Korea as well as Asia ex-Japan which are accorded 4.5 or 5-star "Very Attractive" rating.
Read How Value Investing Works In Unit Trusts? and Idea Of The Week: How Do You Identify When To "Buy Low, Sell High"? [12 Apr 2013].

http://www.fundsupermart.com.my/main/resea...-Jan-2016--6682

the various differences between the China A, B , and H shares, and red chips.

China A shares are shares of Chinese companies that are listed on the Shanghai and Shenzhen stock exchanges which only local Chinese investors may invest in.

China B shares are shares on these markets in which previously only foreign investors may invest in. Now, with the relaxation of regulations, local investors may also invest in these shares.

Finally, there are also H shares which are Chinese companies listed on the Hong Kong stock exchange, and

red chips, which are companies with Chinese links listed on the Hang Seng stock market in Hong Kong. Increasingly, the line is being blurred between H shares and red chips.

https://secure.fundsupermart.com/main/resea...7?articleNo=514

This post has been edited by T231H: Jan 9 2016, 11:54 PM

looks likely when the RM strengthen....then Titan performance "may not" be so good...

......For 3Q 2015, funds within the top performing list were a mixed bag of equity funds that invest in various markets, with a considerable amount of the listed funds having exposure to developed nations. For some of these funds, the returns arising from the ringgit depreciation, against the currencies of these nations (see Chart 2), outweighed the decline of their holdings’ returns, resulting in these funds delivering positive returns for investors....
http://www.fundsupermart.com.my/main/resea...erformance-6391