As from their latest data 23th October 2015 list, eUT showed AHSIF and AHSBF (not sure still available for purchase or not)

https://www.eunittrust.com.my/pdf/OnlineFundList.pdf

How is eUT environment compare to FSM, is it a good alternative to invest UTs that are no longer or not available through FSM?

Anyone here recently experienced with both eUT and FSM to share and compare each side?


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Haha, correct wor the GEYF one, I supposed I don't trade my funds so I won't see such numbers other than for CMF. basically the ROI is meaningless since the base is supposed to be much higher but you sold it

Rubbish in rubbish out lor. I noticed something, your data for switch sell you directly key into the columns with formula. You are supposed to key in column F following the type of transactions


OCD is like that

Same sales charge as buying from UTC... somemore can squeeze for extra advisory service
Buy value....

I think some other taikors do buy from eunit trust, but I really don't like the website la... doesn't give me much investor confidence, that's why 0% SC also I won't buy

Which loser play report post again? Go get a life.

if one thinks that frequent simultaneously lock in profits and dollar cost average into lower priced assets will provide better returns,...then this is interesting...

Mythbusting: Frequent Rebalancing Improves Portfolio Returns...... April 28, 2010
You might have heard this one before: Frequent rebalancing to simultaneously lock in profits and dollar cost average into lower priced assets will provide better returns. We examined the myth and here's what we found.
Author : iFAST Research Team

https://www.fundsupermart.com.my/main/resea...lio-Returns-566

For RM3-5m you can choose your manager, through a private mandate.

Sounds like someone is trying to sell you an equity fund, when what you really need is a bond fund/MMF....

Anyway, thats a bit of an over generalization, to say the least. If you really understand how UTs and asset classes work, portfolios can be maintained from overnight, or till the cows come home. It really depends on what the goal/purpose is. Sometimes UT is the correct tool, sometimes its not.

I'm guessing you read this in an article written by someone who lives/invests/retired in a mature economy?

Give chance a bit lah, I wanna be a well respected otai here on LYN, like you, Xuzen and Pinky.

I didn't choose private mandate
Instead, I choose d default Fund

Anyone here use FSM mobile ? Firstly when look up a fund, cannot see the fund sales charge and annual management charge and so.

Secondly, is there a way to persuade it to chart for 3 year period? It seems to chart every other period as PC except 3 year.

also sharing an article

Try to Turn Down the Noise
The attached note takes a look at the obsession with doom and gloom, the information avalanche we are now subject too and what it means for investors.
......Author : AMP Capital Investors Limited
https://www.fundsupermart.com.my/main/resea...-the-Noise-5234

Hi all, happy holiday everyone

Learn a lot from this forum and i really appreciate all advises from everyone here

Would like to let sifu-s here see see my portfolio as below:

Fixed Income
Libra Asnita Bond Fund 11% (ROI: 4.5%)
RHB Asian Total Return Fund 9% (ROI: 13%)

Balanced (Asia ex Jap)
RHB Asian Income Fund 8% (ROI: 1.2%)

Equity(Global)
Aberdeen Islamic World Equity Fund 8% (ROI: 2.8%)
TA Global Tech Fund 9% (ROI: 9%)

Equity (Asia ex Jap)
CIMB Asia Pacific Dynamic Income 17% (ROI: 5.4%)

Equity (Developed Market)
CIMB Global Titans Fund 14% (ROI: 1.75%)

Equity (Malaysia)
Eastspring Investment Small-Cap 15% (ROI: 6.3%)

Equity (Single country)
Manulife India Equity 9% (ROI: 7.4%)

Also invested in KGF via PRS & EPF.

Started invest in these funds in FSM since early of 2015, been doing DCA on & off.
Can any sifu please comment on m portfolio? Anything to add into my portfolio?

Thank you in advance !

when the "Grand Master JEDI" said "Looks OK. At least you have got the basic asset allocation theory right. "
I will "TAK Mahu" says looks OK to the below allocation....
Both looks almost identical.....
DAMN...I believes many investors wished to have the wisdom & knowledge to starts something like these when they started out.
The next difficult part is emotional pull to tweak or "pull out" when the corrections happens, which happened quite frequently for the past 2 years...

This post has been edited by T231H: Sep 11 2016, 03:26 PM

Thanks! That's the magic Vanguard pulled a couple of threads back I think. Very cool idea indeed. Yea I have been stalking this thread since I started investing FSM. Way better than the boring textbook. Hahaha

Sorry I think I am a little lost here on what you mean. Do you mean I should be increasing my % in EQ since Asian Income Fund is a balanced fund is that right?

I dropped RHB ATR in favor of Asian Income Fund since the latter has FI effect and more stable than that ATR bond fund. That way I need not go to heavy on my dedicated bond funds and still get to decrease my portfolio's risk level akin to EQ60%:FI40%. Although technically is is EQ75%:FI25%. I hope that's how it works out.

Hi, thanks for the reminder and input. I appreciate it. I am aware of that part. Just needed some sort of guideline from the simulator since past good performance could mean better FM and more effective management which could *crosses fingers* translate to future gain. Hopefully. It's all a gamble anyways. As no one could predict the market nor the future.

Very good point there. Thank you for your kind input. Will need to plan very carefully. Learning lots here thanks to everyone being very helpful. I am very grateful for this thread.

Another reason I need start doing VA and not DCA a fixed amount each month is because it is about time for my rebalancing. To sharpen my aim. As I noticed my portfolio isn't very effective at the moment and it has been almost a year. So time to CSI it a bit. Hahaha. I will shift back to DCA once my portfolio is balanced once again to brave the market.

I am going to note down your comment here for reference. TQ

Thank you for your input. Really appreciate it.

I am glad to know at least now the asset allocation is correctly done.

Yes that is true. Portfolio holding duration is really up to the investor's aims. Mine is 7 years at least.

I hope switching out from RHB ATR to RHB Asian Income Fund would give me a smoother jounery. I really don't see how ATR can be called a Bond Fund at all. Its volitlity is worst than many other EQ with higher risk rating.

Yup. Very glad I finally got that down. Haha.

The portfolio by moon0620 seems almost like my initial portfolio aka too many global funds. And rather heavy on it for current climate. Is that right? Hmm it is also heavy on overseas funds. Pretty high risk taker here I think. Well then again, everyone has different goals and horizon to look at. And I am no sifu. Just a small fish. UT nooby.

The mobile app it's more of a snapshot of the current price. want more details should go to the Web version. you can suggest to fsm to add this in

my total profile from my portfolio is 5.94%. made a few blunders along the way but I want to thank all the guys here for being so uber helpful.

nice pick, i will follow suit as well~

don't follow me with my two rhb. xuxen always see my portfolio and scold me for having two funds that roughly correlates to each other. that was the time I made a mistake without doing a research and now I'm "stuck". donno should switch or sell so just keep it status quo

Hi Sifus, how much credit points can be earn for intra switch from equity to money market? Does fund supermart got penalty for switching within certain period?

That was a few versions before wor.... nvm, late better than never. Comment more la, sure there'll be times that you can help others out too

Anyway, I tried using credit ninja trick recently to pick up some EI small cap... too slow, the fund went back up quite a bit jor....
Lesson learned, want to save 0.57% end up making less

Yea that's why I said a few threads back. Or maybe I used the wrong word here. I should say versions instead? Sorry

That credit ninja trick is good if you don't have the need to rush the switch/transfer. Anyways best not to get distracted by the FSM sales since main focus should be on the market condition (thanks to the kind reminder by a senior here a few threads back when everyone talks about FSM sales and what to buy). I fell into that FSM sales trick before and buy in when fund is at high price. That's why this round I have decide to be more careful and take my own sweet time gauging the right time to move my funds around for the rebalancing. I am going to do it gradually whenever right opportunity hits. Go into new funds I wanted to switch to by nibble it bit by bit. Rather than making a sudden jump.

This post has been edited by yuatyi: Sep 11 2016, 11:48 PM

Actually ATR is behaving as expected. Unfortunately, for most investors, diligence stops at performance tables, without knowing the how and why.

I did my own dd early this year on ATR here, if you're interested. The diagrams will answer your question.

Also, your making it sound like volatility is a bad thing. It just needs to be managed, not avoided. 😁😁