Fundsupermart.com v15, 基金超市第十五章 - Rise the Dragon
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 Sep 8 2016, 05:08 PM
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#1
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Senior Member
3,117 posts Joined: Jul 2005 From: Penang  
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Hello...Take a look at my current allocations (ignore the cash management fund I suppose) Am I already too diversified? I'm 34, have about RM800 / month to invest and have a goal of 8% average by the time I retire. Should I look at China / India / Emerging markets as another avenue? I worried spread too thin based on my monthly capabilities. |
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Sep 8 2016, 10:50 PM
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#2
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Senior Member
3,117 posts Joined: Jul 2005 From: Penang
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QUOTE(T231H @ Sep 8 2016, 06:59 PM) my uneducated comment is....create & allocate > 20% in Asia Pac... Asia pac means asia ex japan or asia? Any particular reasoning behind this thought? QUOTE(Styrroyds @ Sep 8 2016, 08:36 PM) IMO, if you have rm800 to invest per month, you should look for alternatives for Aberdeen. I definitely feel the trouble of maintaining a good investment cadence with Aberdeen due to the whopping RM500 per top up.minimal top up of rm500 can cause your portfolio to be unbalanced. even if you top up Aberdeen once every 2 months, that's rm500/rm1600, 30% of your entire portfolio Assuming that once in 2 months I eke out another RM200 to top up Aberdeen, it'll still be rather sustainable, will you keep it? Thanks for the suggestions |
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Sep 9 2016, 04:31 PM
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#3
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Senior Member
3,117 posts Joined: Jul 2005 From: Penang
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QUOTE(T231H @ Sep 9 2016, 08:29 AM)  thanks.....for the enlightenment.....lee82gx, your concern no more. |
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Sep 26 2016, 11:39 AM
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#4
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Senior Member
3,117 posts Joined: Jul 2005 From: Penang
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Just as I entered with Asia Pac fund, HKSE profit taking begins
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Sep 27 2016, 03:49 PM
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#5
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Senior Member
3,117 posts Joined: Jul 2005 From: Penang
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QUOTE(pisces88 @ Sep 27 2016, 03:14 PM) upgraded to Gold Status after recent top up + deposit into CMF:D So, after 150k invested whats your IRR and time invested? Help us see into the future man.but no special treatment right? except 0.5% discount.. I'm approaching 1yr with 15k invested and having 2-3% IRR. |
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Sep 27 2016, 04:29 PM
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#6
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Senior Member
3,117 posts Joined: Jul 2005 From: Penang
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QUOTE(T231H @ Sep 27 2016, 03:57 PM) Caveat emptor!... Of course, precautions apply but I suppose in the long run when your time to retirement runs out......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... QUOTE(pisces88 @ Sep 27 2016, 03:58 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... » Click to show Spoiler - click again to hide... « Ops, my bad IRR is closer to 3-4% This post has been edited by lee82gx: Sep 27 2016, 04:40 PM |
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Sep 27 2016, 04:38 PM
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#7
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Senior Member
3,117 posts Joined: Jul 2005 From: Penang
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QUOTE(T231H @ Sep 27 2016, 04:35 PM) What is TVM? Yes, I'm so sorry my calculator (head) was broken. Its more like 4%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 |
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Oct 10 2016, 05:22 PM
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#8
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Senior Member
3,117 posts Joined: Jul 2005 From: Penang
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QUOTE(puchongite @ Oct 10 2016, 04:46 PM) A few of the CIMB funds are on steroid lately. Forex I believe. |
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