U r so luck by getting paid twice in a mth

Actually what i want to say is "greater china or india or indonesia"
Is it better to invest separately (cimb greater china + manulife india + indenoasia fund?) or just cimb china-india-indon?

I would say, it depends....most would think that having 1 fund that focused on the 3 instead of individual funds is better/easier....
but some would think that having 3 individuals funds allows the investors to "freely and having more control" to allocates more % into the country of his choices among the 3.....

I would use 1 stone...

This post has been edited by T231H: Sep 13 2016, 09:25 AM

Hang around to shoot the trolls as and when they appear is our duty.

Guess I will go for Aladdin first. RSP easier

CIMB require initial investment first to RSP later, so Titanic and china-india-indon might delay (RM 1000 initial total gasp...)

Need to save more money for them

Pinky gets angry easily of late.
Better hang around Kuchai Lama bar and be pampered by Viet girls

Off topic alert
Fireballs or acid works well on trolls - stops them from regenerating (learned from AD&D )
However, IMHO, setting traps for the trolls to kill themselves are more satisfying AND gather conclusive logic / ill-logic

Then I shall summon Wong Seafood as and when trolls show up to show us how it's done

On the contrary, dah overhung lately

This post has been edited by Pink Spider: Sep 13 2016, 10:43 AM

Troll-hunter squad

Troll-buster regiment

Trollminator

Xuzen

For those who previously kow-peh-kow-bu about the small cap fiasco:

The fiasco is so short lived! The NAV is inching up already! Somuch of much ado about nothing!

Xuzen

Yes. Fast recovering up, increase more or less 3% oledi.

people get worried easily, not dare to take any action due to afraid of catching fallen knife, yet cant stand still, what's left to do is kpkb. perhaps got to have more faith when panic?

I have read the queries here about which is the better global funds to invest in. If I have to choose only one fund, I will pick CIMB Global Titans Fund.

It is a actually "a fund of funds", i.e. holding a collection of other unit trusts. CIMB Global Titans currently invests as a feeder fund into 3 separate global equity funds which focus on US, Europe and Japan. So, you are paying 3 for the price of 1.

That I assume, explains why the annual expense ratio of CIMB Global Titans is much higher at 1.99% compared to Eastspring Global Leaders Funds which only has an annual expense ratio of 0.16%.

Bos, Global Leaders is ALSO a Feeder Fund. That 0.16% is not "accurate".

Aisey, ninja trick cannot work if you are hoping to take advantage of a few days of market madness. I believe FSM operates on forward pricing? If we really want to "play the market", then have to modify the ninja trick. If you have volatile funds in your portfolio, i.e. with risk rating of 9-10, please consider setting up a mirror image bond fund.

For e.g.

1. You have EISC with a risk rating of 9. Consider holding RM10K or whatever amount you are comfortable with in Eaststpring Bond Fund. Market madness happens. EISC drops 3-5% within 1-2 weeks time.

2. Transfer RM10K from Eastspring Bond Fund into EISC using free credit points.

3. If you are a trader, after the market recovers, switch back the RM10K plus the excess profits from EISC to Eastspring Bond Fund.

Note to forumers here : The above is an EXAMPLE of trading and NOT long term unit trust investment. Do it at your own risk.

This post has been edited by Vanguard 2015: Sep 13 2016, 12:03 PM

Boss, saya tahu Eastspring Global Leaders is also a feeder fund. Tapi it feeds into ONE global fund only and not THREE separate global funds no?

Err...why is the 0.16% expense ratio not accurate? Please enlighten me.

This post has been edited by Vanguard 2015: Sep 13 2016, 12:07 PM

Wow... The boss of credit ninja has spoken

I've not even refined my skills on the basic credit ninja yet, did more steps than necessary and took up precious days. It's ok la, precious lessons learned

I have no intention of following that though, requires way too many bond funds including some pretty useless ones like RHB money market or CIMB-principal bond fund and very inefficient portfolio for my way of buy and do nothing strategy

But TQ for sharing, really eye opener

No worries. Just sharing my thoughts. Sometimes I use this method when I need to make some quick money to buy books.

In theory one may think that he would entail greater autonomy to invest separately into three UTF from three different UTMC, namely CIMB China or Manulife India and RHB Indonesia. But consider this, each time you rebalance your portfolio, you incur sales charge. This is foolish!

If that is the case, a wiser man, would consider, suppose I buy into RHB China-India-Indonesia fund with one time sales charge and let the FM do the rebalancing without further encountering sales charge. This is wiser!

Suppose another wiser man, thinking perhaps I wish to maintain autonomy and do not wish to further incur sales charge.

Such wise man then uses the "wrap account" mechanism and writes his own algorithm to assist him to optimally asset allocate between the three geographical risky asset class.

Xuzen

mirror image bond fund as in bond fund in same fund house? so for your example, it only works between EI EQ- EI bond but not the CMF as bond fund part rite? what if the volatile fund is the same fund house as CMF, then simple switching in between will work without another mirror image bond fund? just want to know out of curiosity.

Bean counter's type geeky topic. Let me try to answer that

Previously something like this was discussed in the PRS thread on those PRS funds that feed into existing UTF

So for Global leaders, similarly the management fees was charged by the M&G fund as reflected in NAV daily, the management fee would then be refunded to EI Global Leaders and it is netted off against the management fee charged by EI Global Leaders. As a result the MER would look ridiculously low, but you obviously still pay management fee la, fund managers don't work for free

Excerpt from the accounts


CIMB GTF however, I have no explanation for why the MER is so high. Perhaps someone should write to them to demand for an explanation
*that person is not me*