ahem - akauntan
need 1 more check/track to keep in check reality heheh
tri-angulate ma

a. running IRR (gives since dawn of time)
VS
b. rolling 12-months (gives latest)
VS
c. running (median or 50th percentile, lower 10th percentiles, higher 90th percentiles) %pa leh?
thus, can compare consistency, this run how good/bad & whether to zoom into what did/didn't do ma

<from an** retentive fler> to each his own

This post has been edited by wongmunkeong: Oct 6 2016, 02:49 PM

If assuming i have a "solid/good" portfolio...but due to the mkts...it just did not performed as per "usual"...thus it may not be a good measures of my portfolio composition.....
Will be "beating" a benchmark like FSM portfolio be better? Is that a good/ better measurement?

This post has been edited by MUM: Oct 6 2016, 03:07 PM

Haha. My bad. Sorry mr vanguard. Im new here.

In banks, maybe CMF also a good option.

That's why I said...

I went thru storms of 2008/09 and 2010/11...
Started off being overly gung-ho and bought into some very aggressive sector-specific funds (banks & properties, 2 worst affected sectors during 2008/09)...no proper diversification at all...
Sold off and went cash during storm of 2010/11...when holding on would be a better move...
And my IRR managed to beat EPF (latest IRR: 7%). Why should I complain?

This post has been edited by Pink Spider: Oct 6 2016, 03:19 PM

Maybe this article would help you. I learnt something today from your short conversation.

https://www.thebalance.com/short-term-bonds...et-funds-416961

if you want to maximize your potential and balance your portfolio's volality you invest into fixed income funds?

if you want the most stable fund while parking your funds to buy into funds in the future you get CMF?

am I correct?

Depending of what FI fund......for some FI funds has the volatility ratio as high as some Eq funds.....having that in the portfolio may add to the portfolio volatlilitty

so I have seen when I wrongly invested in the rhb Asian total return fund which has a high volatility even as it is considered as a fixed income fund. I right the wrong switching it to libra anita.

that said I read on the benefits of CMF in fundsupermart. how many of the investors here are currently using it to instantly purchase their unit trusts?

I usually fpx the amount into CMF monthly prior to the RSP date, is convenient compared to filling several direct debit form

but in my case I fpx through Maybank2u which has been alwaus a quick tap or two. so I am still thinking why the need CMF

Contrary to your experience, this fund is the BEST performer in my portfolio.

This post has been edited by Pink Spider: Oct 6 2016, 03:56 PM

I keep 1 year of expense in CMF, can use to instantly purchase funds.

instant as in 2pm purchase and tomorrow it shows up in your portfolio rather than me waiting almost a week for it to move from pending transactions to my portfolio.

pink spider my goal to invest into a fixed income is the beauty of its low risk and steady returns abeit a measly one. I rather feed my hunger via equities and BF. Regards brother

Seems like CMF interest is quite attractive....but I have not try yet . Still using fpx

Sorry you mean RHB Asian total return is the best performer in your portfolio ? I just want to make sure I got it without ambiguity.

if he is saying it is the best performing Fixed Income fund then I would believe so. before I traded it it was giving a good 8% in roi

looks like I need to do more research but if it's true the instant purchase then I have been bought.

This post has been edited by Avangelice: Oct 6 2016, 04:19 PM

If you do regular top up instead of RSP, fpx won't differ much compare to CMF

However fpx do need 1-2 hours to reach FSM

There was one time when I do fpx to libra asnita around 13:50 but they only received the fund on 15:10 and processed on next working day instead of the same day

Have not tried invest to others using CMF, as I normally use CMF as a bridge for RSP, but seems instant to me

This post has been edited by AIYH: Oct 6 2016, 04:23 PM

Yes, I getting >10% IRR from my investment in this fund.

That's quite terrible. FPX is supposed to be instant, no ? The time of transaction should be whatever time recorded in fpx.

It suppose to be, but normally when I perform fpx, the time I got from fsm order confirmation email, fpx transaction email and fsm payment receipt email are different.

In total they usually gap 1-2 hours, which kinda be a problem if I transact via fpx near the cut off time.

So I usually perform it early in the morning