deleted ... double posted

This post has been edited by AIYH: Oct 15 2016, 10:17 AM

Ram Rating : http://www.ram.com.my/default.aspx

If you want consistent performance, just stick with RHB IBF/Anita mui

Foreign funds due to forex fluctuation, you would not get consistent performance over a reasonable time frame compared to local exposure.

So is up to you whether you want to stay safe with local exposure bonds or forex influenced foregin bonds

but he is buying in to the "historical performances" data......and have full faith in it....
just like many of forummers here also have faith in buying/topping up/holding on to existing funds due to past performances and faith of more continued performances..

I would say forming a simple portfolio allocation of maybe 60EQ:40 FI would have more chances of getting 7% pa.....
I think last year "lukenn" did a simple portfolio about that....(or something like that)
(of course that performance cannot be straight line of getting 0.58333% per month EVERY month)

else can try the new FSM Portfolio Simulator (under Funds Info) to simulate one to get the past performances...

just a usual note:
Investment involves risk. The price of securities may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment. Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.

AIYH


Ah.... another student of finance. Please to meet you good sir / madam.

And did you pay any attention to it? Or were you too busy WhatsApping that cute girl / boy from the Gym class?

psst: That labah-labah merah jambu fella told me he fell asleep during the finance theory past.... don't tell him I rat on him OK? Deal?

Is finance theory so boring meh?


I use ol'skool Microsoft office 2007 Excel Old is Gold!



Good enough for the mass consumer. More complicated stuff, nanti the mass consumer cannot eat cannot sleep. Even selecting a bond UTF already so anal about it liao. Imagine if more complicated stuff = HOW?


If you follow FSM Sharpe ratio, I'd notice there is inconsistencies and I am not sure what is the Rf rate they are using. Better you use the risk over return ratio and subtract the risk free rate yourself. I think the 12mth FD rate from Maybank is widely use as the benchmark in the UT industry. If you want to be anal about it, then go to BNM website and check out the MGS 30yr yield to take that as your Rf rate. But only if you are an anal person like that unker WMK

Xuzen

This post has been edited by xuzen: Oct 15 2016, 10:55 AM

you mean he likes to do that "anal" things

Can u guys just stop bring FD or ASX into FSM thread ? Please respect others who are spending the time here.

If you feel FD or ASX can give better return, just keep them to yourself.

Just wanna a peaceful day of reading this thread.

That's why. Especially after the last few years I think the market is hay wire. So historical stuff don't hold water anymore. But it's just one of the benchmark.

I believed in the long run, USD, SGD will win.

Right now I am still undecided to add a bond fund or not. I think will experiment without a bond fund and see.

This post has been edited by Ramjade: Oct 15 2016, 02:20 PM

Haha why are you so scared of differences ? This is not talking about FD or ASX by themselves, this is talking about FD or ASX in relation with UT, so it is perfectly relevant.

Is this thread supposed to be a clean room discussion of UT ? Then make it clear in the first post and have moderator enforcing it. But I dont thing that is purpose of this thread.

I like it. Now my post got reported. So now we know who is the person keep reporting to moderator but the mod isn't doing anything about it.

This post has been edited by puchongite: Oct 15 2016, 03:22 PM

yup. the Post #5 by bryan5073 really sums up about UT

anyhow I see u seems to get all the "old thread" link whenever there's some question is up & needed answers.
keep up the good work

I'm amazed that u guys still have the patience to layan that ASx guy

I've already told u guys to ignore those trolls, they are pushing up the activity level in this thread but most of their posts are bull dung, I've stopped reading posts here for the past 2-3 days.

For the sake of those who are really interested in learning about UTs, PLEASE, stop layan those FD/fixed price UT fans here.

This post has been edited by Pink Spider: Oct 15 2016, 04:58 PM

But i am a lot more tolerant to it. I dont mind it floating around.

But what you mentioned is absolutely correct, if one finds it not worth discussing, then just dont participate. As simple as that.

Instead of layaning the ppl who keeps asking the same questions, don't ignore this poor friend here. Btw, the rest, try to spoiler when you quote long post. Improve user experience.

Fyi, actually all funds has these annual management charge, amount differs from fund to fund and companies to companies, but the charges is still there. You can always get it from fsm website.

These charges are charged daily and reflected in the unit price. REGARDLESS of how you buy the UT it will be charged by the fund managers (the company).

Other than this AMC, FSM charges a 0.05% platform fee for bond funds. This is explicitly charged by FSM, so you will get a receipt of some sort from FSM. other than that, that's all.

OT warning
what just happened here?
anal RETENTIVE lar,
check x3 then do, not the usual 2x

Back to topic
My "bet" is Fed Reserve won't raise rates till Dec - political shenanigans.
semua konekted wan - hip bone, thigh bones, etc
thus rate fears VS impact on equities are all in the mind - for me at least

This post has been edited by wongmunkeong: Oct 15 2016, 06:34 PM

the moderator is not sleeping. he/she has done his/her job by removing pinky 's bulying post yet again.
That guy does not seem to learn, all he can do is simply yelling around whenever he wakes up.......
hoping for people to support his bruised ego.....sigh.

People judge you by how you present your idea and how logical your belief is, not on how loud you can say the four letter words!

And be reminded this is a public forumn, not your private room.
so please dont embarass your so called "DOCTOR" status further.

And for once please admit you are just a diploma holder,
a paramedic and NOT a doctor.

Read Post #1 thoroughly to get a good basic grounding on UTs.

December is just two months away.
I believe all investors/traders have already considered this factor in their recent transactions. When the announcement is actually made, ringgit probably won't drop further.