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 Fundsupermart.com v14, Happy 牛(bull!) Year

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dasecret
post Aug 14 2016, 11:31 PM

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QUOTE(xuzen @ Aug 14 2016, 11:00 AM)
For people like you stick with ASX.... Sharpe ratio = infinity.

Xuzen
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QUOTE(Ramjade @ Aug 14 2016, 01:24 PM)
Thank you for the sarastic remark.  sad.gif  sad.gif

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If you assume that ASx funds are risk free like FDs, the sharpe ratio being infinity is actually mathematically correct...

so I don't think it's intended as a sarcastic remark

dasecret
post Aug 16 2016, 04:51 PM

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Both has its merits really. I don't have a GIA acct, seem very convenient for emergency fund purposes

But what I put in CMF is not the first level emergency fund.
First level I keep in flexi loan account. Saves 4.6% interest, but features macam savings account

Money I put in CMF is what I plan to invests. If I put it in GIA, whilst the interest is higher, I think I may end up investing less. Cos leceh la, have to make FPX payment everytime instead of just place order and then deduct from CMF and it's same day transaction.

So sometimes it's not just the higher interest, but also the behaviour and habits
dasecret
post Aug 16 2016, 10:02 PM

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QUOTE(lukenn @ Aug 16 2016, 07:42 PM)
Since this this conversation has gone OT, I'll just add to the mix with this :

[attachmentid=7337554]
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Wrong thread la. Here people debating rm1k split 2 certs n u post something minimum 60k

Post this on FD thread la. Then they would debate on no PIDM n petrol, toll n parking to get to kenanga in downtown KL
dasecret
post Aug 19 2016, 09:58 AM

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Heard on BFM this morning that the heavy sell down on these small cap stocks are due to local fund managers selling. Sounds like they r cutting loss
dasecret
post Aug 19 2016, 10:46 AM

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QUOTE(Pink Spider @ Aug 19 2016, 10:30 AM)
Affin Quantum@Ponzi 1.0 has been strong performer lately thumbsup.gif
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It's been doing well since beginning of the year, much better than ponzi 2.0 .... so glad I switched SOF into ponzi 1.0
dasecret
post Aug 19 2016, 02:47 PM

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QUOTE(pisces88 @ Aug 19 2016, 01:55 PM)
ouch ulicorp
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http://cforum.cari.com.my/forum.php?mod=re...0&pid=129195510

The FSM rep posted the small cap funds with high exposure to the counter. Just bear in mind it may be different now
dasecret
post Aug 22 2016, 11:00 AM

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QUOTE(xuzen @ Aug 20 2016, 12:03 PM)
This brings back our discussion previously about diversification along different fund manager but on the same asset class.

When Malaysian small cap index drops, all the small cap UTF also drop in tandem. So what sort of fund manager diversification are we talking about? There is no diversification at all....

Hence fund manager diversification is a false assumption.

Xuzen
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I thought the topic of risk return ratio/relationship is more relevant with what happened in the malaysia small cap market in the past week

It's quite clear that the Eastspring funds despite having as much exposure to United U-Li was hit less badly than the RHB funds. Doesn't that demonstrate that EI is a better fund manager, at least in this particular segment. So when we want to pick 1 fund in this segment, should go for EI instead of RHB

I think RHB has some pretty solid funds too, maybe just not in this segment
dasecret
post Aug 22 2016, 01:59 PM

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QUOTE(Pink Spider @ Aug 22 2016, 01:31 PM)


Small-mid cap...why everyone forgot about Ponzi 1.0?
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Not exactly MY small cap la.... Only hold 35% MY equities

While you were away I was the only one singing praises for ponzi 1.0. Everyone seem to have abandoned ship on this. Its 2015 performance was not that great... but 2016, definitely above most of the asiapac funds. So are you topping up?
dasecret
post Aug 23 2016, 10:01 AM

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QUOTE(Ramjade @ Aug 23 2016, 09:05 AM)
Guys want to ask a few questions.
Recently eunittrust having 0% SC. So say we bought x amount of UT A at 0%. At the same time, we are holding y amount of UT A via FSM. Will that amount in FSM inceease by x amount?

If no, can we transfer that amount to FSM and vice versa seeing that they are the same fund?
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You really have no intention to let anyone earn your money one hor....
Not the bf/husband material puke.gif

Anyway, answers to your questions
1. No, you buy on which platform that would be where you can see your holdings, FSM wouldn't know you bought the same fund from elsewhere. Otherwise mana ada privacy doh.gif The technical details I malas to explain, see if got any experts bother to add or not la

2. Yes, FSM has transfer promo, no charges for any transfer in of the funds currently available on FSM

Bonus answer - The spreadsheet in post#1 is good to keep track of all your funds bought on different platforms.

Credit ninja bonus answer - Transferred in equity funds can do credit ninja trick... now... that's potentially saving you lots of money from switching fees. But I can't expect a free meal from you for sure shakehead.gif

This post has been edited by dasecret: Aug 23 2016, 10:03 AM
dasecret
post Aug 23 2016, 11:06 AM

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QUOTE(Ramjade @ Aug 23 2016, 10:50 AM)
Thanks. What I am looking for. No need explaining. Can test that out in the future. Will keep that in mind. ph34r.gif ph34r.gif
1% of rm10k = RM100
1% of rm100k = RM1k already liao.

Why waste good money? whistling.gif whistling.gif Never turn down cutting cost wherever possible (somwthing I pick up from crystalball master) Will belanja you free lunch if I really can get 0% SC in the future.
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It's ok, I don't need the free lunch, the credit ninja was not even my original idea, just improvising from what others discovered.
When you get a bit older, hopefully you will realise that sometimes it's good to lose a bit, or let ppl earn a bit. It's all about balance and sustainability. FSM is a great platform, and an alternative avenue, if we don't let them earn some money, they chaplap then we have to go back to banks and agents which cost even more and give you less sweat.gif

And if there isn't people who's willing to give, then this thread would not be lively with ppl sharing predictions, nice charts, ninja tricks, what not to do in investment etc, or explaining difference between dividends and distribution for the 1000th times

I sound like grandma liao doh.gif

QUOTE(Pink Spider @ Aug 23 2016, 10:56 AM)
I wonder itu peminat Dreamer and Suara Hebat have he started to invest anything in FSM or just tokok here hmm.gif
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Ppl need time to get away from the capital guaranteed more than FD mindset la.... some ppl sampai 50 years old still cannot get over
dasecret
post Aug 24 2016, 10:53 AM

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QUOTE(MNet @ Aug 23 2016, 07:45 PM)
FSM will not give u 0% sc transfer frrom eUT to FSM.
Don't believe? u can ask FSM.
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QUOTE(joylay83 @ Aug 23 2016, 10:33 PM)
FSM WILL give you 0% when u move from eUT to FSM. However, if you move from FSM to eUT, there might be a charge. How do I know? coz I have done it before.

buying 0% from eUT and transfer to FSM is a risk because during your transfer period (a few days), there will be movement of the NAV. However, your number of units remain stagnant. if the NAV move up, then you untung a few cents. if the NAV moves down, then you pay way more than 2% to an unknown party in thin air.

IMHO, it is safer to giv FSM the 2% for the work that they have done for us. After all, their services are excellent no matter how much you invest, even if its Rm1000.  thumbsup.gif
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hmm.gif So whose info is correct ni? I hope FSM do not allow free transfer in from eUT because this is cannibalising the already very small DIY market.

I've not bought from e-unit trust before. Basically their website is such a big turn off that I would not consider buying anything from them

I don't understand what do you mean by transfer has a risk actually. Before and after transfer you would have the same number of units and therefore the net value of the fund is the same no matter where the funds sit with (eUT or FSM)

This post has been edited by dasecret: Aug 24 2016, 11:06 AM
dasecret
post Aug 24 2016, 11:03 AM

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QUOTE(Ramjade @ Aug 23 2016, 07:00 PM)
Knowledge should be share. But if can get free SC why bother paying? 
If I open now, not entitle to 1% SC liao. Open when I am really back in malaysia and when FD mature. Why pay extra 1% when you can pay only 1%?

Yes. My FDs are all above rm5k.
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Study the recent sharp fall in some of the Msia small cap funds in the past week. Imagine if you lumpsum (>5k to be entitled to the 0% sales charge) invested before the sharp fall, how would you feel about the hit? Even the darling EI SC also kena 4% drop, some of the RHB funds kena like 10% hit.
RSP has its benefits n value way above saving the few % sales charge

But seriously, may be you should consider other low cost options instead of funds if you don't want people to earn your money

QUOTE(lukenn @ Aug 23 2016, 09:14 PM)
It's unfortunate how the people who chase after it have no idea how they're structured... Heh
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Lol, see quote below yawn.gif

QUOTE(mois @ Aug 24 2016, 09:19 AM)
My Eastspring SmallCap also took a nose dive.
My ASM return % way better than this UT stuffs. Beat 6.5% also difficult nowadays.
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How long have you invested in EI SC? If less than 1 year, wait la.... or, buy more rclxs0.gif
dasecret
post Aug 25 2016, 10:11 AM

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QUOTE(wongmunkeong @ Aug 25 2016, 10:05 AM)


Painfully stupid - thus, sometimes, the less we care, the less pain is felt - unfortunately.
Try once, twice & if we just can't help steer them logically - bugger it. Some people "choose to be" & "deserves to be" where they are doh.gif
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thumbup.gif
That's so true. Has to repeatedly remind myself of that. Very often I try to hard to help those who don't want to be helped, end up sakit hati sendiri only
dasecret
post Aug 25 2016, 10:29 AM

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The RHB AM's ex-CIO is so powerful that after he left all the RHB MY eqt funds become worst performing funds? confused.gif

http://www.theedgemarkets.com/my/article/r...-mid-cap-stocks

Attached Image

So anyone gung-ho to pick up some of the funds that fell >10% already?
dasecret
post Aug 25 2016, 12:50 PM

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QUOTE(wongmunkeong @ Aug 25 2016, 10:42 AM)
give it -25% to -30%, i'll take a bite tongue.gif
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QUOTE(wil-i-am @ Aug 25 2016, 11:50 AM)
I will jump if down > 20%
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QUOTE(nexona88 @ Aug 25 2016, 12:13 PM)
Not low enough blush.gif
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If it falls 20-30% while EI SC fall 5-10%, which one would you go for? hmm.gif
dasecret
post Aug 26 2016, 09:43 AM

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QUOTE(Arvinaaaaa @ Aug 25 2016, 09:49 PM)
guys, need your opinion on the RHB PRIVATE EQUITY OPPORTUNITY FUND 1 ..any of u guys into this fund house?..planning to allocate some fund into this fund house..

thank u
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Told you FSM monitors this thread. Their take on this

https://www.fundsupermart.com.my/main/resea...-Portfolio-7432

My take? I supposed they would be retired by now and would want steady stream of income to spend for holidays or other things they enjoy doing. Can this fund provides them that instead of heart attack when they see the numbers going less than what they invested? There are lots of options out there, is this the right one for them?

Btw, this is wholesale fund, not entitled to 0.57% sales charge promo ya
dasecret
post Aug 29 2016, 01:22 PM

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QUOTE(xuzen @ Aug 26 2016, 10:00 AM)
Satu lagi satisfied customer. Sister Dasecret, you and I make good team of CIS hor....

Next time retire from our present job, we both sama-sama apply for FSM - CIS position and tokok with UTF investor hor boh?

Xuzen
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I can talk only... don't have crystal ball
Hmm, CIS position is not very exciting la.... when I retire maybe I want to trade to keep my life exciting brows.gif
Or do independent planner role since no one wants to do it now cos cannot make money one


QUOTE(xuzen @ Aug 28 2016, 11:08 PM)
Merdeka sales lai liao.... 0.57% special discount!

What to buy, what to buy? This is the most pertinent question on LYN - FSM regulars' mind.

I too am also curious on what to buy hence I have decided to throw some numbers into Algozen™ and see what she throws up.

So, after crunching some numbers, it looks like this:

She still favour Asia-Pac ex-Japan, India and US.

For Asia Pac x-Jp:

i) Reits x 35% (Can choose either Manulife REITs or AM Asia Pac REITs), if cannot decide, then half half lor!

ii) RHB Asian Income x 35%

iii) India x 15% (Can choose either Manulife India or CIMB China-India, but I prefer the Manulife pure India since RHB Asia Income is already heavy on China & HK)

iv) US x 15% (Can choose either Manulife US or TA Global Tech). Although TA Global Tech by name is global, in its FFS, more than 75% of its assets held are in US stock -  market.

Total = 100%.

Xuzen.

P/s: Currently Algozen™ no like Bolehland, Europe & Gold or Precious Metal.
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As usual gotta ask the most important but missing piece of the puzzle - FI:EQ is what ratio ar?
dasecret
post Aug 30 2016, 11:33 AM

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QUOTE(xuzen @ Aug 29 2016, 01:45 PM)
This one simple, just use 100 less current age = percentage to hold in equity UTF.

For example if auntie is 45 years old, then 100 less 45 = 55% to hold in equity UTF, 45% in fixed income UTF.

Xuzen
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Oh, so simplistic ke... I thought got some complex calculations also. Do you take the FI portion in RHB Asian Income fund as part of the FI allocation by age?

QUOTE(Kaka23 @ Aug 29 2016, 10:56 PM)
Ponzi 1 jumped 2.28% today... hahaha
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For discussion purposes, I know I advocated for RHB Asian Income fund for its stability for more than a year now. But when EQ picks up again, RHB Asian Income returns will pale in comparison compared to its pure EQ peers. Make sense to top up ponzi 1.0?

Attached Image

This is 1 year returns for some of the popular funds in this thread
dasecret
post Aug 31 2016, 08:35 PM

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QUOTE(Ramjade @ Aug 31 2016, 10:50 AM)
Guys, want to ask is there any funds which invest in private hospitals, pharmacy (practically in Malaysia and/or outside malaysia)?
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AFAIK, only few private hospital players in msia, it doesn't make sense to have a fund to buy just that few counters. If you believe strongly in their potential, you can buy those shares directly lor.... the main ones are IHH and KPJ; sime darby is a conglomerate with a small healthcare segment
dasecret
post Sep 1 2016, 06:06 PM

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QUOTE(prince_mk @ Sep 1 2016, 04:26 PM)
ok, I also go for Amasia Reits like proposed by Bro Xuzen.

I had topped up RHB Asian Income too
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QUOTE(cheahcw2003 @ Sep 1 2016, 04:39 PM)
placed the order last night, bank in the cheque to SCB account, and email the pay in slip to FSM at noon, i am not sure still can catch the 0.57% promotion?
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Today ringgit so weak and you guys go all in with foreign funds? The 1% sales charge discount (assuming you are gold member since can top up >rm30k at one go) may be less than the fund price increase just for ringgit weakening

hmm.gif

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