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

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SUSyklooi
post Jul 28 2016, 08:02 AM

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after having the prophecy being provided by the prophet and the readings from the crystal ball, it is still very important for one to really understand his/her own risk appetite, reasons for selecting that funds to be in the composition of his/her portfolio of a reasonable expected ROI returns within a reasonable time frame.

...It is not only important to understand the risks of the investments you are looking at, but also to understand your personal risk appetite. Sometimes, it is not a matter of what kind of risks you want to take, but a matter of what kind of risks you can take given the circumstances that you are currently in. And the best way to do it is to assess your actual experience in investing.

For instance, you might have thought that you are an aggressive investor who can cope with a high level of risk based on the results of the risk profiling test. However, in practice, if you find that you always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments are not so suitable for you because they are likely to cause you to lose money.

https://www.fundsupermart.com.my/main/resea...?articleNo=2266

This post has been edited by yklooi: Jul 28 2016, 08:34 AM
xuzen
post Jul 28 2016, 11:51 AM

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Go go India!

Go go US!

Go go Asia Pac!

Time to tambah nilai.

Xuzen
em0kia
post Jul 28 2016, 01:05 PM

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Guys, could anyone kindly attach the link of FSM where all the risk ratings are displayed? I once opened it before but couldnt find back already. I remember when I pointed my mouse on the risk rate, it shows the risk scale with 0 being no risk and 10 being highest risk.
em0kia
post Jul 28 2016, 02:52 PM

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user posted image

Manage to find an article showing the asset allocation and geographical diversification of our EPF.

Does anyone know why our EPF fund manager purchase more bonds in US and EU than in Asia? And why they purchase most of the equities in Asia?
T231H
post Jul 28 2016, 03:43 PM

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QUOTE(em0kia @ Jul 28 2016, 01:05 PM)
Guys, could anyone kindly attach the link of FSM where all the risk ratings are displayed? I once opened it before but couldnt find back already. I remember when I pointed my mouse on the risk rate, it shows the risk scale with 0 being no risk and 10 being highest risk.
*
try FUNDS INFO/FUND SELECTOR...it will display...no need to mouse over it to see the risk rating value
https://www.fundsupermart.com.my/main/fundi...fundSelect.svdo

QUOTE(em0kia @ Jul 28 2016, 02:52 PM)
user posted image

Manage to find an article showing the asset allocation and geographical diversification of our EPF.

Does anyone know why our EPF fund manager purchase more bonds in US and EU than in Asia? And why they purchase most of the equities in Asia?
*
I have no idea why the FM do the allocation...
but, just look at the % allocated for them....so little % (just 10%) compared to what is NOT shown.....like the % in Malaysia alone? ever think of the "concentration risk"?
just 10.4% , you mentioned "MOST" equities in Asia? rclxub.gif

This post has been edited by T231H: Jul 28 2016, 03:45 PM
em0kia
post Jul 28 2016, 03:57 PM

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QUOTE(T231H @ Jul 28 2016, 03:43 PM)
try FUNDS INFO/FUND SELECTOR...it will display...no need to mouse over it to see the risk rating value
https://www.fundsupermart.com.my/main/fundi...fundSelect.svdo
I have no idea why the FM do the allocation...
but, just look at the % allocated for them....so little % (just 10%) compared to what is NOT shown.....like the % in Malaysia alone? ever think of the "concentration risk"?
just 10.4% , you mentioned "MOST" equities in Asia?  rclxub.gif
*
Well according to the graph, thats the most allocation isnt it? I wonder where the rest of the funds are allocated hmm.gif
T231H
post Jul 28 2016, 04:04 PM

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QUOTE(em0kia @ Jul 28 2016, 03:57 PM)
Well according to the graph, thats the most allocation isnt it? I wonder where the rest of the funds are allocated  hmm.gif
*
is it stated in that article? if not, try query the published of that article?
ask him/her why the chart details are not complete?

but I suspect the Balance of it is allocated in Msia,.... tongue.gif
just wondering is there any % of it being "indirectly linked & seized" in US, SG, HK & Luxzumbour..... biggrin.gif
lukenn
post Jul 28 2016, 06:02 PM

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QUOTE(yklooi @ Jul 28 2016, 08:02 AM)
after having the prophecy being provided by the prophet and the readings from the crystal ball, it is still very important for one to really understand his/her own risk appetite, reasons for selecting that funds to be in the composition of his/her portfolio of a reasonable expected ROI returns within a reasonable time frame.

...It is not only important to understand the risks of the investments you are looking at, but also to understand your personal risk appetite. Sometimes, it is not a matter of what kind of risks you want to take, but a matter of what kind of risks you can take given the circumstances that you are currently in. And the best way to do it is to assess your actual experience in investing.

For instance, you might have thought that you are an aggressive investor who can cope with a high level of risk based on the results of the risk profiling test. However, in practice, if you find that you always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments are not so suitable for you because they are likely to cause you to lose money.

https://www.fundsupermart.com.my/main/resea...?articleNo=2266
*
So true Mr Looi. biggrin.gif biggrin.gif

Everyone thinks they are an expert. bruce.gif bruce.gif

Until they take a 15% loss.


twhong_91
post Jul 28 2016, 08:21 PM

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hi xuzen, your india fund is manulife india equity fund?
SUSDavid83
post Jul 28 2016, 09:01 PM

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QUOTE(twhong_91 @ Jul 28 2016, 08:21 PM)
hi xuzen, your india fund is manulife india equity fund?
*
Got other pure direct India fund under FSM platform besides that one?
kimyee73
post Jul 28 2016, 10:29 PM

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QUOTE(Vanguard 2015 @ Jul 26 2016, 12:16 PM)
If I were timing the market, I would call the current global rally a dead cat bounce before it resume its volatile downward trend.

If I am proven wrong for the second half of the year and the markets continue to rise, I would be happy. My equity portfolio would still make money.

If I am proven right and the markets crash, then hopefully I would be sheltered by the bond portfolio that I am currently holding.
*
Dead cat bounce do not make a new high, it will just bounce a little and went down. Current market made a new high and some investment consultant refers to this as the 3rd inning, the last dash before great fall. The time to make the lots of money before crash. Nobody can predict how long is the dash but I think current bull run is the 2nd or 3rd longest in history.
Vanguard 2015
post Jul 29 2016, 10:07 AM

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I topped up Ponzi 2 and EISC today.

FSM just launched the new wholesale Private Equity Fund - RHB Private Equity Opportunity Fund 1. Geographical location is US. Minimum investment is RM100K. Estimated maturity date 10th September 2023.

I am not sure how popular this new fund is going to be. Investors are still licking their wound from the RHB Pre-IPO & Special Situation Fund 3 which was launched previously.


cybermaster98
post Jul 29 2016, 10:17 AM

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QUOTE(Vanguard 2015 @ Jul 29 2016, 10:07 AM)
I topped up Ponzi 2 and EISC today.

FSM just launched the new wholesale Private Equity Fund - RHB Private Equity Opportunity Fund 1. Geographical location is US. Minimum investment is RM100K. Estimated maturity date 10th September 2023.

I am not sure how popular this new fund is going to be. Investors are still licking their wound from the RHB Pre-IPO & Special Situation Fund 3 which was launched previously.
Yeah not sure how many ppl will be willing to have RM100K stuck in a fund for the next 7 yrs with no guarantee of a good return.
wongmunkeong
post Jul 29 2016, 10:19 AM

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QUOTE(cybermaster98 @ Jul 29 2016, 10:17 AM)
Yeah not sure how many ppl will be willing to have RM100K stuck in a fund for the next 7 yrs with no guarantee of a good return.
*
yar.. especially when one can DIY with US stocks & options easily at that amount
j.passing.by
post Jul 29 2016, 02:53 PM

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okay, this is out of topic, and a thought to share with you guys who are all familar with IRR and what it means...

This news on how lucrative the Ah Longs business are...
http://www.thestar.com.my/news/nation/2016...-in-their-debt/

"... at interest rates of 0.5-1% per day which works up to 15% to 30% monthly."

Let's think out of the box here... this is good business as there is a market... which should attract new entrants.

More entrants => more competition => consumer gets better services at better rates.

===> BNM should allow more money lending licenses to more new entrants into this lucrative industry.

How lucractive is it, even if giving a very reasonable deal to the borrower?

Let's say the offer is:
a) consumer borrows RM5000.
b) pays back 10% each month.
c) pays back in 12 months.
d) based on flat rate of 18% per annum.
e) 5000 x 118% / 12 months = RM491.70/mth.

Sales pitch: "Borrow RM5000. Pays back RM500 per month."

This is how it looks if put into Excel...
(RM100 deducted from the loan money as admin charges, and monthly payment rounded to RM500 to includes service and admin fees.)

01-01-2016 -4900
31-01-2016 500
29-02-2016 500
31-03-2016 500
30-04-2016 500
31-05-2016 500
30-06-2016 500
31-07-2016 500
31-08-2016 500
30-09-2016 500
31-10-2016 500
30-11-2016 500
31-12-2016 500

And the IRR is 47.3%.

This is better than the returns from UT, no?

Crowd funding to be money-lender....

SUSPink Spider
post Jul 29 2016, 02:58 PM

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QUOTE(j.passing.by @ Jul 29 2016, 02:53 PM)
okay, this is out of topic, and a thought to share with you guys who are all familar with IRR and what it means...

This news on how lucrative the Ah Longs business are...
http://www.thestar.com.my/news/nation/2016...-in-their-debt/

"... at interest rates of 0.5-1% per day which works up to 15% to 30% monthly."

Let's think out of the box here... this is good business as there is a market... which should attract new entrants.

More entrants => more competition => consumer gets better services at better rates.

===> BNM should allow more money lending licenses to more new entrants into this lucrative industry.

How lucractive is it,  even if giving a very reasonable deal to the borrower?

Let's say the offer is:
a) consumer borrows RM5000.
b) pays back 10% each month.
c) pays back in 12 months.
d) based on flat rate of 18% per annum.
e) 5000 x 118% / 12 months = RM491.70/mth.

Sales pitch: "Borrow RM5000. Pays back RM500 per month."

This is how it looks if put into Excel...
(RM100 deducted from the loan money as admin charges, and monthly payment rounded to RM500 to includes service and admin fees.)

01-01-2016  -4900
31-01-2016 500
29-02-2016 500
31-03-2016 500
30-04-2016  500
31-05-2016  500
30-06-2016  500
31-07-2016  500
31-08-2016  500
30-09-2016  500
31-10-2016  500
30-11-2016  500
31-12-2016  500

And the IRR is 47.3%.

This is better than the returns from UT, no?

Crowd funding to be money-lender....
*
IRR is good, yes. But have you factored in risk? whistling.gif

in b4 kalau tak mampu bayar, hire killer and headshot the borrower's wife je whistling.gif
j.passing.by
post Jul 29 2016, 03:19 PM

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QUOTE(Pink Spider @ Jul 29 2016, 02:58 PM)
IRR is good, yes. But have you factored in risk? whistling.gif

in b4 kalau tak mampu bayar, hire killer and headshot the borrower's wife je whistling.gif
*
biggrin.gif hire killer cost 60k... so don't take on too much risk to be so serious die-die must get back the loan; keep it to the max of several thousands, and network it nationwide spreading the risk to the minimal.

From the news, the market (borrowers) can pay and willing to pay... just that the deal is so bad that the borrowers are forever paying the interest only.

We can't stop people from taking loans, might as well create more avernues for them to borrow... and to compete against the Ah Longs... call it public service or none-profit-business or whatever it be. (And the person-in-charge creams off a high 5-figure salary.) biggrin.gif




Vanguard 2015
post Jul 29 2016, 03:40 PM

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All this talk about alternative investment. I received a PM recently from one Low Yat forumer (not a regular in FSM forum). This sounds like a better "investment" compared to unit trusts. What say you? smile.gif

QUOTE
Hello,

Interested in an investment that returns 20% on a monthly basis ? And the BEST part is the monthly return directly bank into your account.

Maximum investment allowed is RM 4,200. Every month you get RM 760.

Can withdraw anytime at only 1% penalty. Meaning, you can try 1 month and still make a few hundred ringgit in profit smile.gif

PM me if interested to know more.

Ramjade
post Jul 29 2016, 03:49 PM

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QUOTE(Vanguard 2015 @ Jul 29 2016, 03:40 PM)
All this talk about alternative investment. I received a PM recently from one Low Yat forumer (not a regular in FSM forum). This sounds like a better "investment" compared to unit trusts. What say you? smile.gif
*
Very sure it's one of those scam trying to rope in as many people as possible.
j.passing.by
post Jul 29 2016, 04:01 PM

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QUOTE(Vanguard 2015 @ Jul 29 2016, 03:40 PM)
All this talk about alternative investment. I received a PM recently from one Low Yat forumer (not a regular in FSM forum). This sounds like a better "investment" compared to unit trusts. What say you? smile.gif
*
If the 760 payment is for 12 months on an investment of 4200, that's a IRR of 416%.

Everyone will be abandoning their UT units... fund houses will go empty... fund managers out of jobs... laugh.gif

===========

Btw the previous posts are just out-of-the-box thinking... if anyone actually makes it happen, please don't give me any credit... don't want any tai kor putting a bounty on my head for spoiling their rice bowl. sweat.gif






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