Like I said, I have no problem parking my money >1 year. Before ASX FP, my money 100% of them are in FDs for ~3 years. After finding out about ASX FP, I transferred my money into ASX FP. already coming close to 2nd year holding money in there. All this while I never performed any withdrawal.

Even this year when I had to access RM3k for emergency purpose, I didn't even withdraw from there. So again, locking up the money for years is perfectly fine with me. That 1% exit fees doesn't bother me if I were to choose RHB IBF because I know I can lock my money > 1 year as I have > enough emergency cash reserves.

So for me, the bond fund must be able to generate income when equities fail (got an inspiration from dasecret earlier post that mentioned when equities fail, RHB AIF came to the rescue)

This are my personal reasons:
Reason to go for RHB IBF
(i) consistent returns at ~7% p.a

Reason not to go for RHB IBF
(i) is only in malaysia which means I will be overweight in malaysia (KGF, eastspring, ASX FP)

Reason to for RHB ATRF
(i) Potential of higher returns than RHB IBF
(ii) Not focus on malaysia
(iii) In the long run, it will exceed RM as it was mentioned USD-RM forex affect it

Reason not to go for RHB ATRF
(i) Potential lesser returns than RHB IBF

I am perfectly fine with RHB ATRF risk or RHB IBF exit fees so those are not in my criteria.

Siapa main report some more?

see post# 1632...3rd paragraph....for his reason..

Thank you. But their 5 years return still good
Er, talking about me?
Real intention: which bond fund give the best returns? Buy that regardless of where/how it invest without looking at the volatility. For me volatility is just slightly important - I need something to generate income in case equity fail like early this year so I am perfectly fine with any risk as long as I can get better returns than RHB IBF. If the bond fund cannot outperform RHB IBF, better I buy RHB IBF.

That is where experience comes in lor! Real world data are never nice and predictable. If it is such, all the finance company would hire robot and you will be out of job even before you graduate. As you participate in the investment world, your mind is able to sieve out the noises more carefully and make better decision.

Yup! Sortino needs downside volatility. If you have the set of data for for standard deviation, you may use that same set and omit the above mean to get Semi-deviation.

Use what is available to you, if the data is not available then don't use.

Modigliani aka M2M ratio is a derivative of Sharpe ratio. And M2M-ratio can bring different classes into parity for comparison sake. Problem is that the parameters needed to compute M2M ratio are not readily available to lay investors. Perhaps if you are working for investment bank or asset management company or perhaps UTMC, you may have access to the data.

He he he.... that is the job best left to Algozen™. She can answer it better than I do

Xuzen

M2M formula bukan macam ni wor. Let me go back to my old notes and recheck the formula. IIRC the above macam tak betul aje!

No, I don't use their benchmark. For me, I choose AIF because risk / return for AIF is better than Ponzi 2.0. Next question you will ask, but AIF ROI is so low, how to carry makan right? Hence if you notice, my portfolio is made up of AIF which is stable and boring, but supplemented by a US fund (TA GTF) plus India. These are the Viagra booster. So, when one is constructing a portfolio, one needs to strategize. Algozen™ helps me in this department by finding the sweet-spot, the Goldilocks' point. The point where the risk and return are just optimized.

Xuzen

much better risk returns than TA......but just that its fund size is too small...i just scare the fund may close when there is a corrections or major pull out of funds by investor...

owch. is this one of the reasons you or was it pink spider telling me about investing in new funds? thanks for the input. I learnt something today

Yes...i think it was last year...2 rhb funds...(if i remember correctly)
Fsm rated 1 at 8 & another at 10

from. my neanderthal way of putting it. you are given a whole basket of chicken eggs but in that basket there's another egg that's a different colour. would you pick it up? lol I suck at this. xuxen does it better

Between TA & Manulife, both have similar risk adjusted performance (RAP). How do you choose? How do you choose?

AIYH,

This is exactly what I meant when I said book smart versus experience. A book smart person without real life experience when comes to this will be dumb-founded.

For me, I choose TA because although it has same RAP as Manulife, TA has more chance of giving better return than Manulife, even though its risk will be correspondingly higher than Manulife.

Why I do this?

Recall that I already have RHB-AIF which is a low volatility fund, hence I can take a little bit more risk with TA to boost my overall portfolio return. Make sense? Strategy forged from being in the field versus book smart.

Xuzen

Actually I don't know about you but Manulife US topup is pretty steep at RM500 min but if one do RSP, it only cost RM100. For me, I switching over to TA Global (will just leave Manulife US running with whatever I have inside) because of the RM500 issue.

By going for Manulife US, I am unable to topup other funds.

hi all sifu, i m new in FSM, has been investing DCA in Public mutual since 3 years...ROI is -4% after deduct all the service charges..   

Hope i wont be too late to invest via FSM.
let say this is my pocket money for investing

20% in ASNB FP Fund
30% in Public mutual (PRSF, PSSCF) - malaysia EQ
50% Matured FD

I would like to invest the lump sump matured FD, let say 100k in UT via FSM.
reading through the forum, this's what i plan
- CIMB-Principal Asia Pacific Dynamic Income Fund 33%
- KGF 33%
- TA global tech 33%
any comments guy?
currently i m in my early 30, my aim is for long term >10years, and i will invest monthly via DCA method
Should i invest the lump sum regardless the NAV price? or wait till it's relatively low..

thanks

Where I can get a chart of the historical performance of it, compare to FSM ones at least !

Hmmm this is hitting the nail on the head.

Don't see specific fund recommended

hey guys. I'm putting in 20k in libra this coming month as my fd is maturing. what do you think. is this a wise move?

Hey I wanna buy you a drink. thanks so much for this and I appreciate it. I was reading your conversations and I was lost until this post AND NOW I GET IT. facepalm moment on my part.

I think I'll look into rhb bond fund and rhb Islamic. Thank you again man

added.

just checked the app. looks like rhb Bond fits my criteria. perfect. I'll make a big pocket for fixed income which has two pockets. one for libra to lock in funds and one for rhb bond for Money you don't touch`

AIYH,

Below is my formula of Modigliani ratio:

You check whether is correct or not with your previous example?

Legends:

R(i) = return on investment of fund (i)

R(f) = Risk free rate

SD(b) = Std-Dev of benchmark

SD(i) = Std-Dev of fund (i)

AIYH,

Here is the simplified or an alternative way to express M2M ratio: