So now you got the perspective correct, what is the verdict then, between ASB and RHB ATR ?

This fund has been performing badly recently, even though it has so much of government exposure.

Don't tell me the "other" is MY ?

It's to do with the shaking up of bond funds, Malaysian ones particularly, which used to be perceived as the stable funds. Then suddenly after Trump, bond funds slide into red which has never happened before.

China is moving between red and green now ......

Which are the performing funds in your port ?

Trump effect isn't quite over yet.

You can get 0% with yet older interface, aka eUT. LOL.

I have no problem if they want to charge 2% SC for small investments. But when it comes to bigger investments, that's where they scheme will appear rather not making sense while other places the fund can be purchased at 0% SC. Even for a gold member, he just gets .5% off the 2%, ie he still needs to pay 1.5% SC. Any promotion comes with 1% SC or 0.5% SC would just render the whole "reward" scheme useless.

I think they have to desire to make more money from the bigger investments because that's where they could get enough money to sustain the operation but I think this is not make sense from investor point of view. With competition around having different offerings, this scheme is seen as "punishing" the bigger investments.

I don't know for sure how eUT gets money to fund their operation. The fact that they offer 0% SC for bigger investment amount, that's something which make sense. Maybe they get it from the fund management company via the management fees. But it is a rewarding scheme for investing more ! Not the other way round.

Consecutive few days of green for the world indices, only problem is China is forever moving between red and green ....

For the US market all time high, TA global tech lost 0.2%, other us equity funds lost >1%.

The correlation with index is so far off ? Is it because of ringgit strengthening ?

This post has been edited by puchongite: Dec 8 2016, 07:46 PM

So only people with 10%-20% need to wait, the rest is yes, can go in. Right?

I don't have any kapchai. I belong to the can-go-in-now group. Lol.

Haven't you read the case of people posted here that they tried to use the ninja switching and ended up losing more money ? You are pretty much deluded to use the words "switching for free".

The credit system should only be use "by-the-way", ie if one is indeed wanting to switching from small cap to eastspring bond, then go ahead and earn some credit. But to "purposely" exploit it, hmmm, the result isn't always predictable due to the moving Nav prices during the various transaction dates.

On the otherhand, have you tried to look at how you could use the 0% SC of eUT to perform switching ?

You can practically move out your entire portfolio to totally different portfolio in 3 or 4 days without incurring any SC, across different fund managers and across bond and equity.

For example, you can switch your entire investment in RHB AIF to Manulife India or eastspring smallcap to ponzi 2.0, all in one move, 0 % SC !

Think about it, how about that ?

This post has been edited by puchongite: Dec 9 2016, 09:14 AM

You need to be a bit more verbose. Your terse replies are always ambiguous. Which scheme loses 10 days and which loses more days ?

Duplicated.

This post has been edited by puchongite: Dec 9 2016, 08:51 AM

I was typing it on the handphone, there was an auto correction, the "can't" should be "can", you can deduce it from the sentence above it.

From what I read, actually everybody's thinking is the same. The difference is the timing.

Everybody knows, buy low sell high.

Everybody knows, prices will fluctuate.

But some are thinking that the recovery could be sooner, near future, or even further away. Because he thinks that there is a possibility of it happening sooner, so he is keeping it. Or he has previously accumulated enough gain, so he could afford to leave it idle for a while.

Some are thinking that the recovery is not happening any sooner, it might be 3 months, 6 months or even further away. Because there is opportunity cost, he is moving away for now, but watching closely and will come back as soon as he sees the light at the end of the tunnel.

Realistically speaking, there is not definite answer to this. Because if you are holding it, it might slide down even further. And if you are moving away, it might recover sooner than you expected, and you will miss a portion of it.

So the difference is whether who will get the timing more correct.

This should correspond to the date when US appeared to have all time high. On the 7th it was in red for about 1.8%.

Yeah if it is browser, clear browser cookie will.

I could not login via the mobile app. Wiping cache for mobile app is not working. Have to wipe app data.

Quite terrible !

Correlation is good but never exact.

I made a post yesterday(?) that it did not seem to correlate, that was due to me mapping to the wrong date.

The 7th Dec trading in USA local time is compiled and reported into the Malaysia's 8th Dec UT fund prices result. That's my observation.

So the 8th Dec trading in USA was green too, so I expect the 9th Dec UT prices to be green too.

This post has been edited by puchongite: Dec 9 2016, 10:32 PM