Possible, but you can't predict it. So don't waste your time.

Yeah, I liked Ponzi 2.0 for its low volatility, which was around 8.XX% back in 2015. Now its volatility has creeped up to almost 11.0%, it has exceeded my risk appetite, hence I change it to RHB Asian Income where its volatility is around 7.XX%.

What you say about RHB Asian Total Return is purely perception and personal opinion because the numbers presented are still ok.

Xuzen

This post has been edited by xuzen: Apr 18 2016, 02:29 PM

Back in mid 2015, I bought into TA Global Tech and sold it 3 months later for a 15% gain. However, these type of trade is not easily repeatable and it happens because I so happen to be already in the market.

That is why the old adage; "investing gain is not about timing the market but the time you are in the market". Ponder on this you must.

Xuzen

Hmm.... facts vs perception
Actually I'm just parroting what the fund manager says .... http://www.fundsupermart.com.my/main/admin...eetMYRHBATR.pdf




But anyway, choice of funds and asset allocation is personal to a certain extend
Just expressing my surprise with the sudden move from a pure equity fund to pure bond fund albeit in the same geographical market

This post has been edited by dasecret: Apr 18 2016, 02:42 PM

I decided to go with RHB Asian Income instead.... mixed asset fund, the so called "middle path". RHB ATRF volatility is even higher than RHB AIF

Xuzen

Yea. Its really depend how long you in that specific market....

Take me as an example. I save myself from -8% to +6% in asx.. Some people just still stay (-). Thankfully I pull out to cut lost at the right time.

They rhb total return seems good. 3m 6m also showing good sign. 0% sc. Seems good... But I guess I will wait a little bit longer since the 0%

Does anyone know what's the differences between public mutual and Fundsupermart?

Can give some comparisons in terms of pro and con?

CHINA SAYS "NO DOLLARS" FOR NEW YUAN

Post by U.S.Reporter- Apr 13, 2016

In a shocking move likely to crush the US economy overnight, China is refusing to make its new gold-backed Yuan, convertible from or to US Dollars. The new Yuan will be introduced next Tuesday, April 19.

When the International Monetary Fund (IMF) agreed to add the Yuan to the basket of world currencies used for Global Reserves and International Trade, they wanted China to make the Yuan more reliable as a currency. Since then, China has almost un-pegged its Yuan from the Dollar, allowing its value to fluctuate on world markets.

But for years, China has been amassing huge amounts of gold bullion; some have said their appetite for bullion has been "staggering." And with a new gold-backed Yuan to be issued next Tuesday, the entire world will have a choice of a new currency to use for international trade: The old US Dollar which is backed by nothing, or the new Chinese Yuan, which is backed by gold. Which currency would YOU use?

When this new currency is issued, countries that have been forced to use US Dollars for decades, and have had to keep billions of dollars in their foreign currency reserves, will be free to dump those dollars. But they won't be able to dump them to China for the new gold-backed, Yuan!

China has reportedly decided"there can be no conversion of gold-backed Yuan to or from US dollars." What China fears is that many countries around the world will want to trade their reserve US dollars for the new Yuan, leaving China with mountains of worthless US dollars. China already has several trillion in US dollar reserves and does not want or need more.

If news of this decision by China is correct, then countries around the world may just have to decide whether or not they wish to continue trading with the USA at all?

The upheaval this could cause as early as next week, would be staggering.

https://www.superstation95.com/index.php/world/1152

http://bbs.chinadaily.com.cn/forum.php?mod...ead&tid=1844662

http://engforum.pravda.ru/index.php?/topic...ed-by-macaense/

China's big four banks, StanChart, ANZ to join yuan gold benchmark http://reut.rs/1qofAqj

public mutual are generally sold through agent, in which the sales charge is usually 6% , even though you buy through their public mutual online the service charge is the same . They only sell public mutual funds. They are pioneer in unit trust industry and thus can claim they are the biggest unit trust company.

FSM is a online platform that sells unit trust from various company like cimb, kenanga, eastspring and etc . being online they do not rely on agent and thus save on commision fee, thus their sales charges are 2% or below.

the cons is that you need to monitor and manage your own fund. They do not sell public mutual fund.

i think the 1MDB news is really shaking the faith of investors in KLCI. today's market seems to be affected by it.

Any recommendations for buying which fund?

check this out?
http://www.fundsupermart.com.my/main/resea...tormaincode=All

http://www.fundsupermart.com.my/main/resea...ober-2013--3983

I'm curious regarding index funds. Low cost index funds can be bought in malaysia ? Any platforms?

I just make up my mind to Kenanaga Growth Fund..

If such recommended funds, usually gain most of the time than loss? (based on your past experiences)

just a reminder, recommended funds are not sure win.....
their selection selection criteria are based on.....
Recommended Fund Methodology
http://www.fundsupermart.com.my/main/resea...tormaincode=All

seems like Kenanga Growth fund cannot meet your criteria this time round



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found this in FSM,
you may also check out Public Index fund from PM

but as I am just not sure it they are low cost as per your needs.



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The low cost index fund are those ETF that are available on sale in KLSE , there are several fund such ETF in m'sia

FTSE Bursa Malaysia KLCI ETF
CIMB FTSE ASEAN 40 MALAYSIA (0822EA)
CIMB FTSE China 50 (0823EA)

Equity ETF (Shariah Compliant)
MyETF-DJIM25 (0821EA)
MyETF MSCI Malaysia Islamic Dividend (0824EA)
MYETF MSCI South East Asia Islamic Dividend (0825EA)
MyETF Thomson Reuters Asia Pacific Ex-Japan Islamic Agribusiness (0826EA)

http://www.bursamalaysia.com/market/securi...aded-funds-etfs

the cost to buy is your brokerage fee which is min rm8 or 0.42% (depending on which broker you use) .

management fee is 0.5% , ETF not popular in msia yet, daily volume is low . Cost wise is cheaper than unit trust but performance wise is so so

I am having this for EPF investment...

There are no low cost funds domiciled in Malaysia. They are mainly US products.

Some forumers here open online trading with some foreign stock-broking account to buy US ETFs (DIY option).

If you like hand-holding, then seek a License Financial Planner to open an account with some offshore trust (e.g. Premier Assurance Trust domiciled in British Virgin Island) to buy into Vanguard / Spyder / IShare low cost index mutual funds.

Xuzen

This post has been edited by xuzen: Apr 20 2016, 10:40 AM

https://www.imoney.my/articles/how-to-achie...our-30s-40s-50s

This is such a badly written piece... All the expected returns plug from sky. How to consistent achieve 10% returns from fixed income and 22% returns from global funds. And I blame CIMB Principal since the article is written in partnership with them

The only good about the article is the infographic, which I wish FSM can do more *to the FSM staff who is lurking here *