Oo

What can I do, I was not born rich and dont even have a sense of financial/investment awareness until now

Just started to work, that's all I am comfortable to invest

Takkan you want me save until 5/6 digits only start to invest

or pinjam 5/6 digits from banks/loan sharks to invest for now?

Just aim for long term and slowly pump in

This post has been edited by AIYH: Oct 10 2016, 04:28 PM

aiya, my EISCF entered 2 months ago still in correction stage

just hoping RSP now brings down the weighted unit and profit soon

CII enter not even 2 weeks already profit le (thanks to sales charge promo)

The IRR is annualized, so it will appear higher if less than a year of investment

ROI, just the current value of the fund/portfolio over your invested amount in the fund/portfolio

This post has been edited by AIYH: Oct 10 2016, 08:50 PM

To me, I do not consider anita mui as my portfolio, rather, a better instrument/deposit than fb/asx

Only keep about just enough routine expense in banks and cash, others dump inside there to generate better return/interest before moving some of it to CMF monthly for RSP, other significant expense and other investment opportunities

This post has been edited by AIYH: Oct 10 2016, 09:55 PM

I guess timing in entering the market is also a factor.

If I strip off my initial APDIF investment, just by same 2 RSP contribution timing for both APDIF and AIF, APDIF ROI significantly outperform AIF ROI by 2% in less then 2 months investment

Kinda insignificant but thats my experience (might need longer time to verify )

If lump sum, then it will be affected by the first half year drag down.

If one DCA/RSP instead, they will gain a lot

Of course, if you only invest lump sum when you know when it rebounce, you will earn most but is impractical

This post has been edited by AIYH: Oct 10 2016, 10:39 PM

CIMB-Principal ASEAN Total Return Fund -Class MYR (launched 1.5 years) (13.6% Thailand Equity)
AFFIN HWANG ASEAN FLEXI FUND - MYR CLASS (launched 2 years) (28% Thailand Equity)
AMASEAN EQUITY (launched around the same time with APDIF) (19.46% Thailand Equity)

YTD performance comparison with APDIF, what do you think?

This post has been edited by AIYH: Oct 10 2016, 11:52 PM


Attached thumbnail(s)

Actually still got more, can dig out, quite some fund have double digit allocation in Thailand

Affin one is balanced, but in fund fact sheet, only 4.1% bond, which is Genting SG PLC Bond, the sole bond in the fund, and is maturing within a year, balanced?

This post has been edited by AIYH: Oct 11 2016, 12:00 AM

Every fund has different benchmark to measure, like CIMB APDIF using 8% p.a. as benchmark, the comparison can mean something and mean nothing depending on the context and target.

For Thailand equity double digit allocation compilation:

CIMB-Principal ASEAN Total Return Fund -Class MYR (launched 1.5 years) (13.6% Thailand Equity)
AFFIN HWANG ASEAN FLEXI FUND - MYR CLASS (launched 2 years) (28% Thailand Equity)
AMASEAN EQUITY (launched around the same time with APDIF) (19.46% Thailand Equity)
Kenanga ASEAN Tactical Total Return Fund (launched 1.25 years ago) (17.3% Thailand Equity)
RHB ASEAN FUND (launched 7 years ago) (14.3% Thailand Equity)

YTD performance comparison with APDIF, kinda in sync, but each fund have different other allocation, just take it as a grain of salt

But from the graph, you can see that, as you and many said, if you got steel balls and DCA/RSP all the way, APDIF will net you higher return

This post has been edited by AIYH: Oct 11 2016, 12:10 AM


Attached thumbnail(s)

Mind to explain the historical reasons in naming these funds?

This post has been edited by AIYH: Oct 11 2016, 09:45 AM

Trying to understand, when we talk about better risk adjusted returns, does it apply to only one lump sum investment or including regular top up?

Because from what I understand, AIF will be a better choice if you just invest once (or top up less frequent and have a peace of mind) since it fluctuate less, less likely prone to "timing market emotion" and less prone to heart attack

If for people who do regular top up/RSP to take advantage of the APDIF volatility, does the better risk adjusted returns still applies?

I admit my mistake that when I started my portfolio, I added AIF under xuzen recommendation without realizing the similarity between them, so I plan to remove it and replace it with EMBF to enter non-asian market instead of continuing in within asian region

But come to think about it, would you recommend to go for EI GEM (but worrying about the heavy weight in greater china equity since I already have CIMB APDIF, GTF and CIIEF) or RHBEMBF to diverse more on different emerging market continent government bond?

This post has been edited by AIYH: Oct 11 2016, 10:45 AM

What I mean is that for example, KGF was named evergreen fund instead of Ponzi like quantum and APDIF, isnt all of them having high volatility yet up trend in long run (unless the fund manager was a consideration then I have no comment )

And also funds like aladdin, anita mui, titanic those, beside shortening the name, sometimes dont really understand how does those naming relevant to the characteristics of the fund, like anita mui?

Then, I would believe (and hope) my RSP could take advantage of the APDIF volatility (is somehow proved in the chart, if you RSP them within the same time frame), hopefully will go well.

I will stick my FI portion as my potential reserve into anita mui

No love for potential growth from latin america and african emerging market?
Having a lot in asia pac in my portfolio dy, plus no good equity fund for the above region, and EBMF vs ATR performed similarly too, so will go for EMBF

Thank you for your patience sifu

Not sure sarcasm or not, but there are 4 funds which have varying degree of allocation on the aforementioned market.

TA BRIC and Emerging Markets Fund
Eastspring Investments Global Emerging Markets Fund
Global Emerging Markets Opportunities
RHB Emerging Markets Bond Fund

I only started to work and have the income to invest starting less than a quarter eh

Forgive me

But that's the sort of better option for us to have exposure on that market (unless if you invest stock or mutual funds on those region elsewhere then is another story )

Already got KGF, EISCF, Ponzi 1, AmReits and Ponzi 2 covering Malaysia

Somemore having Anita Mui as cash reserve, not heavy enough?

This post has been edited by AIYH: Oct 11 2016, 01:46 PM

HMM KGF the evergreen fund is 100% home grown beauty

EISCF, good performance, although not ideal, 95% home grown, still a lot

Anita mui 100% home grown

Even ponzi 1 is 1/3 home grown, cukup makan

RHB EMBF has about 43% total in America + Afirca

Siapa Yvonne Tan

This post has been edited by AIYH: Oct 11 2016, 03:10 PM

Hoping the down trend continues until 17 so that my RSP can still take a dip of advantage

Btw for bond funds with platform fee, how do you guys deduct the platform fee?

Based on latest fund fact sheet, apple is 7.4%, samsung is 4.9%

Does the samsung incident resulting in apple surge?

If it is then TA GTF will up rather go down

Not sure there are comparable or not?

1st pic: TAGTF latest fund fact sheet holding information was based on its target fund, HHGTF as of 31st JULY

2nd pic: HHGTF latest fund fact sheet shown holding information as of 31st AUGUST

3rd pic: MSCI ACW IT index holding info shown as of 30th September

IF samsung incident made samsung drop and apple surge, the current info seems that it will surge more than it will drop

This post has been edited by AIYH: Oct 12 2016, 09:21 AM


Attached thumbnail(s)

Of course I hope it will drop since I have yet to enter this fund until 17th