wow that is "FAST".
guess that is why FSM is the leader in this online thing.
btw, the switching that i did on Sat morning can only be done on 11 Jan...and the Buy date is 14 Jan.
with 20% from HW + 20% from FSM of portfolio value "FLOATING" between sales and switches....
how the mkts performs these few days got not much impact on my portfolio performance.
Mkt down i see "gian" only.....

Noted thanks.
btw, thanks to your input as in page# 36 post# 711 and 716
I took this 0.5%Sc opportunity to switch out and relocated the "reserves" to CMF.

wooih!! don't leh...not yet leh...don't let it die yet leh...
I just go heavy into that economy and are planning to to stay till next year.

just because I will be adding another 40% into it by 14 Jan.....
I will make "any" reason to justify that it will be the right moves.....
"it has "BOTTOMED".....


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and also just because I will be also going heavy into M'sia.....I will welcome any news especially this.....

Moody’s Cuts Malaysia’s Sovereign Credit Rating Outlook: Should Investors Worry?..... January 12, 2016

Yesterday, Moody’s Investors Service revised Malaysia’s sovereign credit rating outlook downward from positive to stable, driven by a deterioration in Malaysia’s growth and external credit metrics due to external pressures, elevated macro-financial risks posed by high household debt and limited improvement in debt metrics despite fiscal consolidation.
http://www.fundsupermart.com.my/main/resea...ors-Worry--6697

This post has been edited by yklooi: Jan 12 2016, 08:28 PM

just hope you are not "seduced" by the chart...b'cos many had said TA cannot be used for UTs...
I just wanted a reason...any reason to make me happier....

wow ..that is bad...
you used to have IRR of 7.x% right?
just these 2 weeks...dropped so much IRR..

for what reason?
what did you post wrong?

NOT sure of what to buy?.....
maybe here are some tips....
Most Consistent EPF-Approved Funds in 2015........ January 13, 2016
As of end-2015, we have a total of 95 EPF-approved funds on our platform. Out of the 95 funds, there are 51 equity funds, 24 balanced funds and the remaining 20 funds are fixed income funds. 80 (84.2%) of the EPF-approved funds reported positive returns while 15 funds (15.8%) were in the red in 2015.

Just a note:...Positive returns may not be > 6.x%
just made a "rough" calculation...
about 35 funds with > 7% ROI in 2015
about 19 funds with > 10% ROI in 2015
about 11 funds with > 20% ROI in 2015

http://www.fundsupermart.com.my/main/resea...ds-in-2015-6702

This post has been edited by yklooi: Jan 13 2016, 07:08 PM

my this fund is now - 10%.....
thinking of topping up same amount to bring it to -5%.
then the total in China thru this fund will rise from 2.5% to 5%.
has it "BOTTOMED"?....
will be tossing a coin this Sat morning....


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I think it is not so simple....plan buy and hold....there are other consideration too.....(ex: change of govt policies, unexpected drastic falls of oil prices, etc, etc)
and also sometimes for some funds...it is NOT a good play to keep topping up when it is in RED.....


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lukenn
I sendiri buat (not verified) back track template.
using last few days data from FSM

at 36% m'sia SC ...I just got 13% annualised returns in 10 yrs duration
where else your portfolio as in post# 723 is very much less volatile, yet it still got 10.92%

it just make me wonder.....is higher volatility good?

btw, I attached the back track template...just in case anyone try it out and found error in computation formula...pls tell me ya....me not expert in excel...


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Attached File(s)
 Back_Track_Portfolio_ROI_Template.zip ( 21.08k ) Number of downloads: 8

if calculate total return...yes must * number of years....
I follow annualised return as in FSM data format....
I think can use.....b'cos I am calculating it as annualise.

thanks for the input...will review again to see if really can use or not.

done last week and planning to do it again tomorrow....


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I topped up Manulife China and RHB China-India....
and increased more on M'sia SC....

me too...having rearranged my portfolio for the new year for the past 2 weeks taking the 0.5%sc as bonus saved....now just wait and see for 3 mths.
also noticed my portfolio % allocation in
HK & China increased from 8 to 11.33%
thus HK, China & Taiwan from 9.33 to 13.54%
India from 1.84 to 2.39%

alright...my current holdings and % allocation after all the 0.5%SC of buying, switching and selling had settled.........
portfolio transformation plan for 2016 had been completed and closed.....
would be kicking out China and China-India into CMF when opportunity allows...

b'cos of higher Small Caps %,...expecting a portfolio fluctuation of +/- 5% ROI min

This post has been edited by yklooi: Jan 17 2016, 10:34 PM


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spreading out the risk?
was told that RHB is kind of buy and hold concept.
was thinking hopefully maybe EI or Cimb are not the same...

ex,...YTD

This post has been edited by yklooi: Jan 17 2016, 10:49 PM


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yes...2016 is either make it or burst....of UT investing
have to make a stand if I wanted to see my IRR increasing.....else have to contemplate to be at 5% IRR is lucky.

btw, T231H...I can't swim.....

This post has been edited by yklooi: Jan 17 2016, 11:06 PM

if that happens then have to ask RAMJADE for help about the ASx products and its quequing process. or dump into KWSP.....
but I think,.....70% chances my UT will perform....it is whether my Emotion fear and anxiety can take it or not...NOW I think and said I can...but in reality not sure yet can tahan until what level.

This post has been edited by yklooi: Jan 18 2016, 08:00 AM