That is building on your advanced knowledge of investment, also resulting from your active monitoring, restructuring of funds portfolio from time to time. Most importantly, you have the interest and passion to do it ---> active approach

A normal retiree, a housewife, or a layman on the street still take the easy way out for the ASx --> passive approach.

Therefore, like someone said, both can co-exist.

This post has been edited by cheahcw2003: Sep 27 2016, 05:18 PM

I will be waiting for you.....

thank you.. anyone can do it, just a matter of 'when'. put your mind to it


agree on this. definitely no luck when i enter UT in 2013.. bad timing as pinky pointed out, if i enter 1 year earlier or 1 year later, the irr will be very different

Wooi, apa nak tengok dalam poket? Sounds a bit gayish.

When I 1st started I was VERY gung-ho, sai-lang on a property fund and a banks/financials fund. God knows how much I lost back then. Later only I learnt about the portfolio approach to UT investing.

If I were to help a friend now, I'd get him to mirror the stocks in portfolio, invest lump sum and then top up periodically and don't do anything else.

This post has been edited by Pink Spider: Sep 27 2016, 05:25 PM

Actually unit trust is considered passive, active is those trading equities and derivatives directly
And why shouldn't retiree, housewives and layman learn about managing their own investments? In the 90s when shares boom they have no issue talking about which share to chase
And these days the taxi drivers and wet market vege sellers also property investment experts can talk this n that project.
Just because the crutch exists people won't want to learn how to walk without it. That, to me is the biggest problem in this country

Erm.... why do you think it's timing issue? I also started in 2013... ok ma at the moment, of course you don't talk about feb'16, that time teruk la, IRR worse than FD board rate

Yeah agree that unit trust investment is considered passive as you do not decide what shares to buy.

Among the UT investors, some are active investors, like most of the forumers here, update what they switch, top up and sell down.

Some others are more passive, they mostly buy and hold, especially the fixed income investors.

I believe only Penjaga Van and Pemain Bola Kristal can be truly considered "active".

Ya... exactly... your when is rather early... I need to start improving my income and asset...

Btw, when you entered in 2013, you also dca right? So, should be able to smooth out the up and down? Or was it lump sum?

example already given like if u enter right after 2008 financial crisis ur portfolio will have very positive return.. if u enter 2007 i think not so good return liao

back to kidsave, i think it was heavily affected by Ulicorp's share price ( it has 9-10% in its holdings). if not i will have + return on Kidsave by now.

i started with roughly 30k+, bought into 6-7 funds (including prs) lumpsum - very unfortunately the biggest amount i allocated was for KIDSAVE

then i dca over the years i do my dca manually, so i may have skipped 1-2 months, but overall im quite consistent. DCA amount also quite consistent, unless got promo, then i pump in x2/x3 of normal top up.

were u the one with japan fund? i hope u hvnt sell it yet

I am guilty as charged.

I am so active that I have stopped posting about what I am buying and selling anymore.

This is the curse of modern technology where you can buy and sell at the click of a button.

Trader is the more accurate term.

is it just me or RHB Islamic Bond dropped 3.80% today?

Edit: Oh wait, distribution? Didnt announce on FSM page so didnt notice lol

This post has been edited by _azam13: Sep 27 2016, 08:28 PM

Yep... NAV price dropped to 1.3661 according to their website. WTF?
EDIT: ah damn, late September... distribution time

This post has been edited by ROSS_Solar: Sep 27 2016, 08:32 PM

yes most probably distribution time....



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almost gave me heart attack lol. this happens when you dont really keep track of distributions. panic first then check later

Masuk freezer u don't care what will happen. Pray hard the Fund manager do their work.


Lousy one can blacklist .

anyone registered FSM in the InvestSmart event @ Midvalley a few days back?
Have you received the email to notify that the account has been activated?

wait for the dividend announcement tomorrow