this was published in early Jan....
it uses the term correction.....
These stock markets are in correction
http://money.cnn.com/2016/01/07/investing/...orrection-bear/

I may be wrong, but I think he measures ROI from May 2013 at 9% and XIRR at 3.5%.

The only person who can clarify is yklooi

What are you using to track global equities?

yes, looking at his chart....he started in May 2013....
I was referring to the ROI growth from END Jan 2016 till now....which I think is >4% which is better than FD.

nothing to track...there was a nervous wrecking tension in early January.....
just after the new year....for few weeks there was a never ending slides.....look at yklooi chart to see how it goes...

After few day rally now reaction again 2 day straight 😣

FSM MY/FUNDS INFO/CHART CENTER
has charts for FSM indices for Global Equities and MSCI World

hope that is what you seek.

Roller coaster ride is here again. I am comparing the performance of the 4 FSM accounts that I have.

For now, the account that is giving me the less heart attack is the one with the highest exposure to bond funds. The equity exposure is only 25.22%.

This account has among others, Eastspring Bond, Libra Asnita Bond and RHB Islamic Bond Fund. Smooth sailing. No stress. ROI from 3.32%, 5% and 4.48% respectively.

It also has RHB Asian Income Fund which just turned green with ROI at 2.22%. I just sold off RHB Asian Total Return Fund (too volatile for this particular FSM account). But in the long run, I suspect this account will lose to my other FSM accounts with more equity exposure.

Note : In the current market, for middle aged investors like us, maybe it is time to have a balance of 50/50 in equity funds/bond funds or 60/40?

I'm waiting for FSM promo!

hmm, interesting. What is the driver behind the different allocation strategy for the 4 different account? Can share a bit?

Perhaps an option would be now when market is volatile keep in FI and later on switch to EQ? Since you have credit ninja trick it doesn't cost that much $$, just a bit more time

It's not quite fair for you to only consider the rebound without considering the sharp fall right? It's like saying gold and general fund is a great fund with the 1 year returns without looking at 5 years annualised returns still negative

Even looking at XIRR from May 2013 till now is also 3 years only, a bit too early to say sure will or won't work. I respect uncle looi for being direct and honest with his portfolio returns, and hence returning a direct and honest comment that maybe he really look at his strategy if it's the right one when the result is less than desirable

Investors fearing ‘summer shocks’ are hoarding the most cash since 2001
http://www.marketwatch.com/story/investors...2001-2016-06-14

Snippet from article to think about:
"..Still, despite the gloomy tone of the report, there is a reason to be optimistic, Hartnett notes, citing the average cash level above 4.5%. That move tends to serve as a contrarian buy signal for stocks whereas when it drops below 3.5%, it is a contrarian sell sign, he said..."

No special strategy. I am just a layman.

Account 1 - My own account. Major in equity and alternative investment funds. Recently I diversified some into bond funds.
Account 2 - My son's education fund. Combination of equity and bond funds. Doing monthly DCA.
Account 3 - PRS and combination of equity and bond funds. Doing monthly DCA.
Account 4 - My wife's money. So majority in bond funds. This account is capital guaranteed by Vanguard. Any profit she take. Any losses, I will absorb.

Technically I am not pumping fresh money into Account 1 and Account 4.

I agree with you. It may not be a bad idea to switch some money into F1. This is what I did for my Account 1. For the equity funds which overlap with each other or which I don't like anymore, I switched out to bond funds. But I don't think we should switch out completely from Equity Funds. Maybe at the worst case, still maintain at least 20% in Equity Funds then do quarterly VA or monthly DCA to buy more at low prices?

This post has been edited by Vanguard 2015: Jun 15 2016, 04:05 PM

Yeah, don't think 100% FI is the way to go, similarly that 100% EQ also not the way to go

Wish someone would capital guaranteed my UT investment too

Haha, I also wish I had the same guarantee for my own UT investments.

I can help build you a "capital guaranteed" structure, but not 100% pure UT. 😉😉

at the end of last year I posted (boasted) about the unexciting IRR and its projected IRR% for the next few years if my portfolio remains as it is,..., thus self targeted my self to jump start my IRR growth......HEAVY on Small cap....in the beginning of the year.....
DAMNED....Mal EQ corrected in Jan 2016 and stayed flat for the next few months....

will keep to my current composition as per Jan portfolio.....keep it till end of the year to see how it goes....(with minor changes when needed between now and Dec)

yes,...current IRR is not interesting....but what can be done; when 2 weeks after the buying in...both EQ and FI corrected at the same time in May 2013 for many months?
luckily made a litttle from China boom in 2015
unlucky changes is having 20% allocation in GTF for 10 month with mearge ROI from Jan ~ Oct 2014...days after throwing it out in Oct 2014...it boomed 30%

no use crying over spilled milk...thus just do whatever within my risk appetite to pull up my ROI....(bcos...very difficult to pull up IRR when the duration is long already)
currently still following my "illusion" targeted IRR of 8%...(guess it will be very difficult to get 2.5% growth continuously for the next 6 months).......just waiting for ahjib to do the magic on FBMSCAP.....

doing abit of self comforting...like what T231H mentioned......6 month ROI is >4% ...yes better than FD
IRR of 3 years is 3% ...is better than S/A....

to be honest, sometimes I also

Expected returns? Can beat amanah saham or not? What the hell was it reported for? I am asking a genuine question.


This post has been edited by Ramjade: Jun 15 2016, 08:46 PM

It's around that region...

So what are u doing to pull up your ROI?

A lot of index are still down YTD.. So still randomly topping up on all region? Or focusing on some particular region now?

I guess every dog has its day.....just focus heavily on some downed regions.....asia pac and m'sia...
just buy, wait and see...