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

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cheahcw2003
post Sep 2 2016, 01:20 PM

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QUOTE(adele123 @ Sep 2 2016, 12:13 PM)

we should be more objective during FSM sales.  i'm not saying don't top up. don't regret if things go south.
FSM sales, yes, i'll take an extra look, but if i don't think it's time to invest/regular top up, then i don't lo. smile.gif
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by the way, message noted and reminder taken.
So in your opinion, market still high, not on sales yet?
cheahcw2003
post Sep 2 2016, 02:15 PM

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QUOTE(adele123 @ Sep 2 2016, 02:09 PM)
does my opinion matter? i don't have facts to back me up. i'm abit sceptical about topping up now. but i've been sceptical for the past 1 year.  i did top up last week, but very small amount.
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since the decision to invest is subjective, so everyone's opinion count.
cheahcw2003
post Sep 2 2016, 08:10 PM

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QUOTE(MNet @ Sep 2 2016, 07:49 PM)
it can be support to more than 3000 post
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Let it reaches 3000 then
cheahcw2003
post Sep 3 2016, 03:23 PM

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QUOTE(iamoracle @ Sep 3 2016, 02:32 PM)
I have stopped topping up PM funds ever since I discovered FSM. Their expensive SC is a big turn off. Funds performance are so so unlike back in the good old days.
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Same here, used to be the public mutual God member. Then iI started with FSM in hk, before they started operating in Singapore and Malaysia
cheahcw2003
post Sep 3 2016, 07:06 PM

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QUOTE(wil-i-am @ Sep 3 2016, 06:15 PM)
Y no one discuss Rhb Bond Fund or Rhb Islamic Bond Fund as their returns is decent?
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i mentioned about it last week.
Nobody interested for further discussion.
cheahcw2003
post Sep 3 2016, 08:06 PM

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QUOTE(wil-i-am @ Sep 3 2016, 07:53 PM)
I bot last year
Now deliberating whether to top up further for my retirement as the annualized 5 years return is > 7% (comparable with ASB)
Wat say u?  hmm.gif
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I am a bit late, one lump sum in March, then another lump sum in June.
Now stop buying because the fund size increased exponentially from RM40mil in March 2016 to around RM130mil++ in Jul 2016, a dramatic increment.

As a result, the cash holding enlarged to > 30%, when the cash holding is large, it will affect the fund performance.
The fund managers do not invest fast enough to keep the cash holding low,
cheahcw2003
post Sep 3 2016, 08:17 PM

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QUOTE(wil-i-am @ Sep 3 2016, 08:11 PM)
They plan to keep d xcess cash in short term money market instruments or bz identifying gud papers to buy?
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Not sure, but it seems the fund size grow faster than expected, fund manager still holding > RM40mil cash uninvested.
My observation of Public Mutual, if the fund grows too fast, usually the manager will temporary freeze the fund for new subscriptions, and will reopen the fund when the timing is right.
cheahcw2003
post Sep 4 2016, 11:31 AM

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I think the RHB Islamic bond funds get recovered thereafter. Ample zones settled the bond eventually, therefore the fund still ranked as lower risk and it's average return over the 10 years (or shorter term 1-3 years) remain strong.

The current portfolios seems healthy
cheahcw2003
post Sep 4 2016, 11:45 AM

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QUOTE(T231H @ Sep 4 2016, 11:34 AM)
hmm.gif fund size increase 3x in 4 months....
yet they managed to used up the money and maintain a cash pool of 30%....

30 +/- 5 % cash pool is normal I guess
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Yeah, iIbelieve they are doing fine with the sudden exponential increase in fund size,.
cheahcw2003
post Sep 4 2016, 11:47 AM

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QUOTE(T231H @ Sep 4 2016, 11:38 AM)
if I would like to go into bond....I will use the recommended fund and also the Risk volatility index given.
at least FSM did some filtering for me and also for bond I aimed for lower portfolio volatility not so much as for FI performance.
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Good for you,
Safe approach
cheahcw2003
post Sep 5 2016, 11:37 AM

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QUOTE(wil-i-am @ Sep 5 2016, 07:57 AM)
Their recommended fund may not perform well
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It's different approaches, some people like others (the FSM) to recommend and make the decision for them, some likes to make their own judgement and decisions.
cheahcw2003
post Sep 5 2016, 02:24 PM

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QUOTE(adele123 @ Sep 5 2016, 10:30 AM)
Nope, not a good idea. Anonymity is important when it comes to money matters
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i am the subscriber to anonymity

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