I did asked them a few years ago....the reply was....(if I can still remember correctly was)
keeping funds based on IRR may not be a good method.....for example a fund may have had 50% ROI in 1 year but "0" growth for next few years...yet the IRR may still be "GOOD" 10%

you have not answer "MUM" question as to "why"?

I will wait n see.....


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For me as a beginner, will use the performance (consistent for both short term and long term) as a basis to select.
Still learning on method "whether the market is expensive or not" for judging timing for entry/exit.

This post has been edited by David3700: Oct 13 2016, 09:50 AM

I key in under the Transection amount? Then what about NAV column? Leave it blank or follow the NAV as of 10/10/2016

....i oso not quite sure why...

seen like Benchmark is a guide/ target but the fund always can't achieve the target, so i wont invest a fund that always underperformance.....

pls correct me if im wrong..... ......wanna change my mind concept if im wrong

Amount 0, you just enter at the unit column the unit you gain from this unit split, and NAV based on the unit split date 11/10/2016

benchmark is relative, you need to understand the benchmark to evaluate the fund

for example, some fund using maybank SA rate or FD rate or just 4%p.a. or 8% p.a. as benchmark

If the fund outperform or underperform such benchmark, does it mean that the fund is good/bad?
Such evaluation wont bring much value without understanding the current market condition the fund is investing.

Not all benchmark to the funds are created equally or accordingly to their market.

I will suggest benchmark as one of the evaluation criteria, and also compare it along with its peers

Some funds might underperform the benchmark, but outperform all of its peers

Some funds might outperform the benchmark, but underperform all of its peers

This post has been edited by AIYH: Oct 13 2016, 09:57 AM

earlier you posted...."If the fund performance is always beat by the Benchmark every year, i won't invest in that fund."

Most of us here are clueless as well, we either just:

I) Wait for the NAV to drop further then whack kaw-kaw

II) Wait for distribution to happen then whack kaw-kaw

III) Blur-blur wait for some divine sign like a black crow flying across the chimney or rooster crowing at specific time or perhaps see a pregnant black cat jump across a coffin or something like that

IV) Some just whack kaw-kaw and then pray

V) Just buy all the FSM recommended funds and whack kaw-kaw

V) Some just wait for some silly crystal-ball to give some hints and then whack kaw-kaw

VI) Some just do DCA slowly and steady into FSM's recommended UTF

VII) Some come here ask tonnes of questions and stuff in the end kecut bola and end up whack kaw-kaw into ASX & FD.

VII) Most use a combination of method I) to VII)

Xuzen



This post has been edited by xuzen: Oct 13 2016, 10:03 AM

Sure i will do this...... .......then look at the consistency return, sharpe ratio, Volatility ...

last step is annual performance VS Benchmark...

Hope can learn some technique from sifu here...

i think the word u highlighted means that the fund is always under the benchmark, is still consistent with what he means

I been thinking of that instead of manually inserting it over excel every now and then. until now I haven't touched the excel sheets over on the first pages.

I think he is confused with the word "beat". Maybe "always beat" = "below the benchmark" for him. LOL.

Sorry.....i mean loose to Benchmark.......under performance.....pls forgive me.... ....paiseh

Best reply. I use I), II), V)*
V)* depends on whether feeling lucky or not

Well you could use old school, after one year, see how much money you make. Not accurate but hey, easy method.

AIYH did I key in correctly for the unit split?


This post has been edited by Ramjade: Oct 13 2016, 10:06 AM

Thanks for ur opinion....

every time u comment somethings, sure i will read it slowly and carefully......afraid missing some importants facts....

I normally use I, II and V (but i wont whack it kaw kaw, takut mati ).........DCA only for high risk UT.....

This post has been edited by ironman16: Oct 13 2016, 10:12 AM

if based only on this question....
some sifus (ada Cert punya) would do this....
refer to the methodology as in here....
https://www.fundsupermart.com.my/main/resea...tormaincode=All

for a layman like me,..i would
1) decide on the allocation of FI:EQ to have in my portfolio
2) split up the allocations into different regions/sector
3) find the funds that suit those regions/sectors...most of the time thru the use of recommended funds lists and
4) doing them with an eye of the 3 yrs volatility ratio score.

if the fund that is worth to buy, but are found to be way above my risk appetite.....I just forget about it......I got no balls.
(but some would suggest to allocate some % for this type of opportunity and trills.)

btw, how do you decide?

I suppose you need to insert in the unit column?

consistent beat BM also no invest,
not beat BM also no invest.....
apa /bila you want to invest?