wow...reporting too to new thread

just incase someone want link to V12....
https://forum.lowyat.net/topic/3730638

this version...
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

Page 85, post 1684
returns not fixed charts. May not repeat

This post has been edited by yklooi: Jan 17 2016, 07:08 PM

many posts back,...one forummer had posted that the impressive returns of Asian Total return fund was contributed largely by the depreciation of the Ringgit....
wanna take take into consideration?

here is the latest article by FSM...hope it helps...
Fed-Proofing” Your Portfolio: 3 Things To Do...... [27 Nov 15]
http://www.fundsupermart.com.my/main/resea...27-Nov-15--6556

what i think that forummer was saying is that the Ringgit had already fallen by a large %, so the Asian total Returns fund had gained almost by that rate too.
will the Ringgit continue to fall at that rate from now?

wanna try this if you want Bond?
EASTSPRING INVESTMENTS BOND FUND FSM Risk rating = 2 where else Asian total return = 4
http://www.fundsupermart.com.my/main/fundi...d-Fund-MYPRUBON

the fund fact sheet says...."The Fund is a feeder fund that will invest principally in the United Asian Bond Fund, which is a collective investment scheme domiciled in Singapore investing in debt securities issued by Asian corporations, Asian financial institutions, Asian government and their agencies (including money market instruments) by generally maintaining an exposure of at least 70% and above in such debt securities."...

check the Bloomberg...the performance is 8.5% 1 yr return. (see image)


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yes depreciation is not the only factor...but what is the main factor?
what is the RHB ATR YTD (RM) returns compared to United Asian Bond Fund (SGD) YTD returns?
at the same time how much on YTD had MYR dropped against SGD?


This post has been edited by yklooi: Dec 15 2015, 10:36 PM

Ponzi 2.0 looks like reaching previous support level......of abt 7x past 10 months, reached this level then bounce up.....
if history can be relied upon for repeat of performance...then .....


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try to talk like analyst,...use word like "support level"...ha-ha

yes,..because of past 7x......I just entered (gambled) 1.7% into it yesterday

Then die-lor

no-lah....if this 1.7% were to drop again by 10% of NAV....then it will only affect my portfolio by 0.17%...then if calculate IRR...it will be affected by 0.05% different.....I think it is still bearable.

This post has been edited by yklooi: Dec 16 2015, 11:09 PM

just made a simulation.....
if my % of ROI since invest were to increase by 10% pa from now till DEC 2019,
my IRR is just 6.33%

what are my chances of getting 10% pa percentage of ROI since invest continuously for the next 4 years?
my guess is, it will be VERY slim....so are my chances of having IRR > 6%
is my calculation wrong or my expectation of investment is wrong...

any TAIKOR(s) can help comment?

This post has been edited by yklooi: Dec 17 2015, 08:44 AM


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yes, that is correct....
that is why my dilemma starts....
achieving 10% pa increase in ROI is very NOT easy, what is more to try to get it continuously for years....
(looking at the chart/data.....the increase of IRR rate of latter years (2018/2019) is reducing,...I guess it will get less and less after 2020...even though the figures shows a 10% pa increase in ROI)
I had try almost 100% EQ for 1 yr with no better results, currently at about 65% EQ, so what is your suggestion/advise?

This post has been edited by yklooi: Dec 17 2015, 09:23 AM

was thinking of NOT building a diversified portfolio next year......(still thinking, still have abt a month before the usual annual what and where to invest promo starts)
thinking of reducing EQ and focus that value into KGF and EISC (just an example)
maybe more % on FI like 60%, 30% in EISC, 10% in KGF only (or maybe Ponzies)
have to try to see how will the results be expected...with various "projected" rate of returns of those funds.....

The chart/data provided me a glimpse of my "would be" performance of the next many years.....
have to do something to change that, it not happy with it? .....

This post has been edited by yklooi: Dec 17 2015, 09:48 AM

"a good buy since it declares distribution quarterly"
why is that so?

YES, sir....
have the intention to do that is after he/she replied.....
need to see how he/she response....
maybe he/she just wanted to get more units?

for value appreciation?
(or depreciation)

how many funds do you already owned?
if this is the 1st want.... yes,...it is a good time
as usual....buyers beware.....don't blame me if it Kaboomed....
just keep for a longer duration of about 5yrs...can you keep that for 5 yrs?

"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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......
"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

SAME SAME, SAMA SAMA problem too...

my new year 2016 portfolio plan....
Asia Quantum
Cimb Asia Pac
Kenanga Growth
EI Small Cap
RHB Smart treasure

TA Global Tech
Amb Income trust
Hw Select Income

selling China, india and Japan focused funds

This post has been edited by yklooi: Dec 18 2015, 04:33 PM