May i know......
How long have in been investing in ut?
What is the est IRR till now?

Ok.....noted
Tks for responding.

There will also hv other charges beside the annual mgmt fees. Ex... trustee fees. See the fund prospectus for more info.
To me, these fees r too minimal for concern....as it had been reflected in the nav.....
The funds frequent changing of stocks holding will incurred more cost...n the skill of fund selection n luck in the mkts timing will be my concern

while waiting for value added responses....I found this while googling...
How to calculate NET annualized returns ( ie. after deducting Fundsupermart sales charge)
note the responses from "weiji"....
https://www.fundsupermart.com/main/communit...d=000981&page=1

https://www.fundsupermart.com/main/communit...d=001626&page=1

select well my friend.....
top 3 are "recommended funds"
for the past 6 months....
"they moves like EQ funds"


Attached thumbnail(s)

I think Mr Ramjade will do this when he read tis....

The stock market has traditionally swung from periods of euphoria into bouts of pervasive panic, with the most recent crash in China's equity market, which has seen a spectacular rally since the end of 2014, still fresh in our minds.
While it is important to determine the right assets to invest in during times of uncertainty and heightened market volatility, gaining a basic understanding of your own investor profile is also equally important in attaining your investment objectives.
At this current juncture, when markets remain volatile, it may be a suitable time to give it some thought. There are as many types of investors as there are instruments to invest in.
Do you know what your profile is?


http://www.fundsupermart.com.my/main/resea...-1-Apr-16--6957

just allocate to your desired % of a diversified allocation.....(add another 5% to that market that is lowest on valuation)

wow...that is some serious money you got there.....
may I suggest you use the Polarzbearz worksheet, downloadable from page # 1
read and understand how to use it....
after you had keyed in the required info....
wah-lah...a great view to see how your countries/region of allocation are.

from your current FSM a/c view...now much details of how and where yr money goes...
need to some calculation and reading of each fund fact sheet to see how it goes....

with that money....try talk to FSM CIS?

Downgrading US, Europe and Brazil!

We are downgrading three markets on the back of sharply higher prices and stagnant or deteriorating fundamentals.
iFAST Research Team April 28, 2016



•Equity markets have staged a strong rebound since we upgraded the markets on 12 February 2016 ◦Market Performance: US +12.4%, Europe +11.5%, Brazil +36.9% (in local currency terms)

•While equities have moved sharply higher, underlying fundamentals have either remained the same or posted slight deterioration for the three markets
•Higher prices with lower earnings estimates have resulted in higher valuations for all three markets, leading to lower forecasted returns for investors ◦Expected Annualised 2 Year Returns: US -0.6%, Europe +1.2%, Brazil +4.1% (in local currency terms)

•We are downgrading the Star Ratings of the markets as follows:
◦US - From 2.5 "Neutral" to 2.0 "Unattractive"
◦Europe - From 3.0 "Attractive" to 2.5 "Neutral"
◦Brazil - From 4.0 "Very Attractive" to 3.0 "Attractive"

•Investors should not chase prices or performances, consider seeking more defensive strategies for US and Europe, relook their portfolio allocations

https://secure.fundsupermart.com/main/artic...d-Brazil--11467

guess one never knows.....
like 2015...m'sia got hit by falling RM, 1MDB issues, Ahjib incident and lack of confident issues......yet some M'sia funds had performed pretty well......

I think it is just a reseller of funds......it is an online platform where it provides an avenue for UTs selection.
(sort of an agent that represent a wide range of FHs)
think of it like ...ebay, amazon or lazada......that provide added info like UT investment education, current insights and etc

This post has been edited by T231H: Apr 30 2016, 01:28 AM

you got 2000 unit at initial investment = initial value (IV) is RM 400
today how many units you got in total?
multiply that total avail units with the current NAV = current value (CV).
CA-IV = x value...do the maths with IV to find the % of gain or lost.

try use this tool?
input / select required input...then wa-lah....
Fund Returns lets you derive the performance of a fund over the specified period.
Fund performance is not available for funds with a history of less than one year
http://www.fundsupermart.com.my/main/fundi...undReturns.svdo

This post has been edited by T231H: May 2 2016, 06:06 PM

sorry...I cannot confirm as I don't do serious maths.
I just calculate
(current NAV x current unit available) - invested value, to get the profit or lost value in RM
than if I want % I do another simple maths cal.

yes, it can works in any investment.....just that you are not sure how efficient is your investment.
ex,..a quick glance the ROI (previous calculation) can gives you a very high ROI of lets say.....100%...but it is just part of the story.....for one does not know how long had the investment be......if that 100% ROI is 2 years or 50 years.....the IRR will tell you which one is more efficient (based on historical returns)...

yes, me too before I joined this forum....

the answer is not so straight.....for simple estimated calculation...can use that.....
in post # 1, FAQ # 5...got a simple chart that explains and also there is a formula.

see a very well explained post by forummer idyllrain in post 2377 about IRR things.
https://forum.lowyat.net/index.php?showtopi...&#entry76580122

This post has been edited by T231H: May 2 2016, 09:04 PM

yes

Seminar: Asian Equities - Down but Not Out
In this seminar, we have invited Manulife Asset Management Services Berhad and Pheim Unit Trusts Bhd to share with investors on Asian equities market outlook, opportunities and risks, and how to make good investment decisions in current times.
Author : Fundsupermart

http://www.fundsupermart.com.my/main/resea...ut-Not-Out-7066




Attached thumbnail(s)

normally they would advise people with that age to be more on "conservation"/ 'preservation" of asset value...thus less on growth or small caps which are more volatile....
but what the hack...unknown to your risk profile, the amount of money you wanna invest in relation to your asset value and etc....I would say...invest a portion in to them at an amount that cannot affect your emotion or sleep for a few years of down trends (if that happens).

This post has been edited by T231H: May 8 2016, 09:06 PM