which fund?

and which state?

anyhow congratz

This post has been edited by nexona88: Oct 9 2016, 04:43 PM

thanks bro, it's at kt again.

AS1M 8
ASW 1
ASM 1

its' small amounts but largest (in single day) for me since I started invest in asnb.

can't forget how hard for me to "open" 3 new accounts and those small amounts of top up in ASW..

A poor non performing unit trust.

Every things we discuss here us UT.

remembered I was trying to buy this before? and you fortunately you told me it's a unit trust so I didn't naik kereta and change my boat into "real fp funds".. thanks bro
but many aunt unker naik this ASG because of the ridiculous high interest rate of FD that bound with the ASG package...

sry what I trying to say is variable price funds hehe

My 2 cents here as some are wandering which ASX to hunt for.

Rather than on gut feel, look at past performance and then throw your money at it! Ha.



AA First graph

To me, the 3 ASX are about the same visually.

What stands out for me is, these ASX were BETTER than EPF till the last 2 years.


BB Second graph

Standard deviation is a measure of variation/dispersion. Std/avg gives a better comparison.

For the past 6 years return averages, the order is

ASW
ASM
AS1M
EPF

In terms of variation, EPF & ASW have the highest, then ASM & AS1M.

Using std/avg comparison, EPF and ASW are the worst, then ASM and AS1M is the most consistent one.


So, if you want highest return, go for ASW. If you want consistency go for AS1M. Ha.

P/S I am not liable for your decision based on the above analysis! Ha.

Cheerio.

no wonder why a lot people are hunting for ASW beside sentimental value

very very well studies / analysis...
no wonder it's so hard top in ASW

Thanks for sharing the analysis
Take note tat past performance doesn't guarantee future returns

Below is my analysis:-

ASW
Returns since inception - 7.383%
Average returns for 5 yrs - 6.520%
Average returns for 10 yrs - 6.675%

ASM
Returns since inception - 6.793%
Average returns for 5 yrs - 6.560%
Average returns for 10 yrs - 6.633%

AS1M
Returns since inception - 6.469%
Average returns for 5 yrs - 6.480%
Average returns for 10 yrs - N/A

U guys are GOOD ! Doing analysis on your investments !

ASW2020 "Returns since inception" is highest because the first year dividend rate is 10.10sen. 2nd year is 9.80sen

compare with ASM & AS1M, which is way lower

we needed to look at 5 year average. then only correct..

Yes, agree that past performance does not guarantee future returns but I view it as a guide.

Say, X is very good in primary and secondary schools while Y is very poor in his studies.

X has a higher chance of doing well in uni than Y, though there is no guarantee that Y cannot do better than X later.

It does not guarantee but it is a good indication, provided the fundamentals are there and maintained.

Just my 2 cents ...

Good point on the liquid asset. Are rented houses considered as illiquid assets? If yes, then a landlord with many rented houses will give a false higher expenses/asset ratio than 0.03 as his houses are not counted.

I am thinking along this line. After using up all the assets except the house, one can still sell the house (if situation requires one to) and live in a rented house or hotel. Sell the house for RM1 million, stay at a hotel at RM150 per night with RM150 daily expenses, that can still last for 1 million/300 = 9 years!

Cannot remember whether the A thing is mentioned in the book. I read that some time ago. Likely yes as I think he explained the origin of 0.03 and that a 0.04-0.05 might be more suitable. Maybe that was from another book/article?

Sorry, sorry, sorry! Ha.

P/S OT here. So I better stop here.

I have registered AS1M via m2u by using old a/c no last yr
Can I top up AS1M now since ASNB have changed the old a/c to New a/c now?

Yes, very good point!

I think it is possible. I only updated my daughter's AS1M passbook a few days ago. Before that, I still managed to buy some online for her.

Maybe they have automatically corrected the online account? Hope so.

Will find out.

Thanks for enlightening
I will try to top up RM100 tmrw

online top up of AS1M is entitle to Labur Online 2016 contest.

non bumi winners would be given units in ASG or AS1M while bumi can be ASB, ASB2, ASG or AS1M