Dump all UTs...sell all shares...let's all shift to this thing...

So, after 150k invested whats your IRR and time invested? Help us see into the future man.

I'm approaching 1yr with 15k invested and having 2-3% IRR.

Caveat emptor!...
IRR "may" not be a good indicator of how your current basket of funds in your current portfolio performed....
a few pages ago... forummers did bring it up regarding the "BAD" of looking too much into IRR....

btw,..thre are some forummers just managed to get < 4% IRR after > 3 yrs...

This post has been edited by T231H: Sep 27 2016, 03:59 PM

do note that my total investment includes my PRS funds too. my investment journey in FSM started with 30k, around mid 2013, dca monthly. portfolio +12%.

worst fund is Rhb Kidsave, invested and topped up 3 years, now still -3%. looking to dump by jan 2017...

kidsave trust?.....really so BAD?...it was sort of a good performing fund in 2013....when i took notice & interest in it ....
luckily i did not buy it then....

yes damn bad.. if u bought in 2013 and leave it there, until now still negative return

Wah boss..... later the newbies don't understand your sarcasm

Post la your IRR as comparison

6.1 sen tu is DISTRIBUTION. How much is the TOTAL RETURN? I think I don't read it anywhere at the ASx thread.

My IRR for portfolio started since 2008 (and changed face many times since then) is now at 6.9%.

IRR for a personal portfolio is NOT a good indicator of how good is the choice of funds in the portfolio.

Mr A and Mr B could have the SAME FUNDS in the SAME ALLOCATION %, but if
- they started at different times
- they invest/top up different funds at different times
- etc etc etc
they will have totally different IRRs.

just realized that after chasing it for about 9 mths.....

Vanguard,....now i am about to chase after you for the 3 pockets...and i wanted to have a safer SEX like what you mentioned earlier....

Aiya, no need so complicated la, for fixed priced funds distribution = annual returns la; although strictly speaking effective rate would be lower if capital was added during the year since the calculation of the dividend is based on some lowest amount of the month or something

Anyway, bean counter geeky talk below
The dividends declared is out of realised profits. The equities held by the fixed priced funds are not marked to market like EPF or Tabung Haji, although they do impairment on some of those really hopeless stocks like FGV acquired during IPO

So the "reserves" built up over the year from the increase in share price of the counters held may or may not be there anymore depending on how well the counters are doing. But you see, liquidity is not an issue since everytime someone sells the fund others would be queueing to pick it up regardless of it underlying asset value. What a perfect scheme

Of course, precautions apply but I suppose in the long run when your time to retirement runs out......



Ops, my bad IRR is closer to 3-4%

This post has been edited by lee82gx: Sep 27 2016, 04:40 PM

I believe that answers the question of many...

Many come here moaning about the returns of many so-called "star funds" after invested just for a short time...

They scream "scam!", saying that the published HISTORICAL returns are not achievable...

Anyone with basic statistics, math and/or finance knowledge will know that the HISTORICAL returns is premised on "IF" u had invested from date of xx.xx.xxxx.

In the same manner, a fund that made zero or even negative returns since inception may not be a bad fund at all. Let's say u launch a Banks & Financials fund during 2008 right before Bear Stearns event, that fund will be underwater for quite a while. But if the fund manages to outperform it's benchmark and peers, it IS a good fund. You could invest into the fund at the bottom and ride on the recovery of banking stocks and profit handsomely, while those who invested in the fund from Day 1 will be cursing all the way.

Exactly what I was saying above, KidSave IS a good fund, just happened that pisces88 invested at the wrong time, hence still having negative return.

This post has been edited by Pink Spider: Sep 27 2016, 04:35 PM

What is TVM?
how you get 7~8%?

he invested from Mid 2013 till now (about 3 1/2 years)
portfolio +12%
i think IRR is 3.X % only

Yes, I'm so sorry my calculator (head) was broken. Its more like 4%

But but but...

Ppl your age can reach gold status, very geng already...

just for discussion .....many time, many SIfus / experts and FSM also did mentioned about TIME in the Market NOT timing the market....
isn't what you you mentioned contradictory...

btw,...i also believes a bit of luck in the entry points can helps the ROI...

vanguard 2015, can show MUM what is in your pockets....MUM wants to see Boleh tak?

So, 6.9% is considered good or bad?

U try invest in IT/Tech fund at peak of tech bubble see
U try invest in Oil & Gas fund when Crude at >USD100 see
U try invest in China fund at peak of Shanghai index see

That is where DCA/VCA comes in

Acceptable, decent to me.

Considering my portfolio started at 2008 when Bear Stearns fall
And I bailed out during 2010-2011 crash

^
Perfect example of buy high, sell low

Yet after all this, still can achieve 6.9% IRR. Imagine if I enter after the Financials-induced crash has bottomed and/or did not bail out during 2010-2011? I think easily could get >10% IRR.

This post has been edited by Pink Spider: Sep 27 2016, 05:09 PM

or wait 25 years - TIME in market ma, statistically correct heheh