I am going to increase the Asia-Pac region (30%) and US (35%). India (15%) and M'sia (20%).

Yes.

In fact I am more bullish on the Asia-Pac region than US.

US (if take away the USD/MYR factor), I would give it a neutral call.

Xuzen

So what you propose to do?

wanna ask any safeguard measures lets say if u transfer the amount to fundsupermart and it somehow didnt go through to fsm, will it automatically be credited back to our account?

Dunno what if its the fundsupermart side problem like server down n so on. Coz j never checked after transferring

can share what u having in your portfolio ?

How do you keep track of your 12-m return? Record everyday?

Can't see siggy in mobile version.
Nowadays I mostly surf LYN with smartphone.

For 12-m period, why don't you use xirr formula?

My portfolio IRR break previous high of 11.08% in Oct'15, currently at 11.18% as of 21/7.

In my opinion, Bonds are slow as f*** not worth the diversification. Yes, diversification is important but there is also over diversification and balance is key. Again, everybody is different and there is no right or wrong. One will have to experiment and get burn to find what works   Personally, I would invest in 2-3 funds (100% Equities) whereby I see potential growth in 1 years time. Hope that helps.

Don't just look at fund vs index. Indexes are not created equal.

For example, KLCI is made up of 30 largest counters in Bursa. Large companies usually don't grow fast. Dividends may be good, but these are not taken into account.

So, beating KLCI is easy. Pinky and I did just that.

Similarly, beating DJIA is easy. But outperforming S&P 500 is tougher.

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....

guys question here.

now when I proceed to add to cart, why theweb page said I haven't updated my bank account? is that necessary. Few months ago wasn't like that.

Are the "" meant to mean the opposite way? Cuz I dont see how EPF is going to support us for a few decades.

Ps. Sorry for bringing back old post. I am reading the entire v14 to learn about FSM before buying funds lol

I'm guessing the tone was somewhat sarcastic, as the numbers are for a nationwide median. Meaning if you don't mind moving to a small town, you'll probably survive. If your in a major city, you're probably SOL.

Sorry I just want reconfirmation. Because I may oversensitive when things come to online banking...