I topup ponzi 2, ta global, reits (HK market have been red for few days hopefully it will force reits down)

KGF and eastspring SC. KIV. Waiting for more xdb issue/some local issues. - No local issue will just redirect the money into ponzi 2 + reits (as what xuzen said, direct money elsewhere first).

Rhb gold. Let it run a bit further. Will buy later. I believed it still can go lower. Waiting for price to go below usd1250. Am going for rhb gold as required less holding (min rm100 only compare to precious need min holding rm1k)

Not if your topup is small amount like rm100-200.

This post has been edited by Ramjade: Oct 12 2016, 09:08 AM

Look at MSCI AW Technology index (it's benchmark).

AIYH Let's see if I am right that TA Global and asia pacific will drop today.

This post has been edited by Ramjade: Oct 12 2016, 09:33 AM

AIYH I was right. TA Global Tech + AP drop.

Already did yesterday morning itself. Now keep money for next drop.

Btw, can we ask FSM spy to introduce auto IRR calculator?

This post has been edited by Ramjade: Oct 13 2016, 09:31 AM

How do we key in unit split into the excel file?

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

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

Food for thought.

Guys, please help with filling up this excel.


The units are not showing. Did I do something wrong?


AIYH Ponzi 2 increase on Oct 12 but TA Global and REITS decrease So looks like Asia Pacific drop doesn't really play well with Ponzi 2

This post has been edited by Ramjade: Oct 14 2016, 08:48 AM

Looking at the bright side if the fund manager can generate good returns when market is down,

I highly doubt it. 6% holdings won't do much.

Sales charge 0% or 1% (I still have the new customer benefit)?
NAV = 10/10/2016 NAV?

Same thing during dividends right?

This post has been edited by Ramjade: Oct 14 2016, 10:06 AM

I have a few queations regarding RHB ATRF
(i) can the return be (-)/at FD board rate after holding say 1 year?
(ii) can it give min 7% or it will be less? (I am using rhb islamic bond fund as a benchmark for stable yearly returns)

Actually I am looking for bond fund which can give min >=7%. No point buying one if it can give lower returns than the proven rhb islamic bond fund which can give 7% p.a when both are bond fund. Who cares about where/how it invest. As long as the returns match one's expected return (in this case RHB IBF). After all, end of the day, it's all about making money.

Returns not bad, but have the returns dim below 7% p.a (the table shows not) but I would like to hear from fellow forumers.

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.

It will rise. The question is this year or next year?

I read the discussion already. That's all I need as in the long term RM will lose to USD (auntie kangaroo + unker dreamer words + you know ) All I need is something which will outperform RHB IBF on a yearly basis.

That's the reason I don't want to get another Malaysian fund (already holding KGF and Eastspring Smallcap). But if no bond fund can match or exceed RHB IBF yearly, maybe I will just stick with RHB IBF. But still thinking.

Already few years giving 7.x%. That's pretty consistent.

This post has been edited by Ramjade: Oct 15 2016, 12:17 AM

I think it's wise to compare against FD. Why? If after 3 years a fund give you board rates FD rates, it's better to just chuck the fund away and give your money to the bank. For what you pay service charge and end up with FD rates. It's very illogical.

Not for me as I have no problem in holding the money for > 1 year.
Anita Mui return is too low for my liking.

This post has been edited by Ramjade: Oct 15 2016, 12:56 AM

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?

This post has been edited by Ramjade: Oct 15 2016, 08:28 AM