number 2. that was my problem. back then I though UT was like shares or stocks. not gonna make that mistake again. once I'm done building it in March or April I'll wash my hands off of it and leave it till December 2017 and check it out again. from March I'll divert my attention to my ebroking cds account.

Yea if you enjoy doing the stock thing.. it seemed like a lot of work to me there's a lot of research to be conducted, and the liquidity is never as good as with funds

No. 2 is a lot of people's problem including mine.

This post has been edited by wodenus: Dec 5 2016, 07:22 PM

I have another problem which is not managing actively enough. Not skimming profit when it should be.
NAV goes up and then come down back again.
So it's still square one after so long.....

How long? five years? ten years? twenty? I'm betting you it hasn't been very long UT is not for skimming profits. it's for retirement. In the long run, markets always go up. Always. The world always gets better in the long run. Manage the risks.. single fund risk, single country risk etc. Do this and you will make money long term. It will cost you 2% to get in and out, don't play with it too much.

Go here https://www.fundsupermart.com.my/main/portf...tPortfolio.svdo and pick five random equity funds, see if you can beat FD

Go ahead, just pick an equity fund based on whether you like the name or not.. if you think it has a cool name, pick it. Then run the simulator and see if you don't beat FD.. and this is pure blind chance lol

You do not need to "manage" your "portfolio". If you enjoy doing it, cool. But don't think you have to pick the right funds, or rebalance or anything. If you're hardworking you can follow FSM's recommended portfolio.. but if you don't like doing that sort of thing, fire and forget is quite a valid strategy

Also, you can play around with the "rebalancing" and see how much worse you can make it by playing with it too much


This post has been edited by wodenus: Dec 5 2016, 08:50 PM

it bothered me that you said sales charges will be charged on sales and I had to do a little read up before I sleep and I found out Fundsupermart does not charge any charges upon selling of any fund. now I can sleep easy.

This post has been edited by Avangelice: Dec 6 2016, 12:33 AM

Trump has stepped up his offensive on China and RMB has dropped drastically overnight (dunno what caused that)

I think there are some signs of rainy days coming liao.....

Edit : Oops... I think there is more error in the online rates

This post has been edited by David3700: Dec 6 2016, 08:08 AM

Maybe OT...

all funds bleeding and boy are they bleeding. time to top up i guess.

Consider keep it for next round. I think today Asia shall be mostly green.

Damn busy with work lately, who can do me a favour and compare

RHB Asian Total Return
vs
Affin Hwang Select Bond

for 1-year and 3-year periods?

Thanks

Edit - Done. Affin Hwang line very smooth...sorta like FD
But returns-wise, I think RHB ATR wins hands down, but the volatility is sorta like equity fund

This post has been edited by Pink Spider: Dec 6 2016, 09:18 AM

Affin have bewn stable (think of it like rhb islamic bond except it's in asia pacific).

RHB asian total return, returns flacuate. That's what I can see.

here you go. personally don't like how ATR is volatile for its segment

This post has been edited by Avangelice: Dec 6 2016, 09:20 AM

It's amazing Affin Select Bond is so stable, when other bond funds are fluctuating like crazy.

Yeap. that's why I placed 7k into it on the very night they announced it. now waiting for Anita to turn green and shift whatever she has into ASB

Affin Hwang Select Bond is managed wholly (correct me if I'm wrong) by Affin Hwang team here in KL, so they will manage it to optimise returns and minimise risks from MYR perspective, whereas other bond funds like RHB ATR is a Feeder Fund which feeds into Singapore-based United Asian Bond Fund.

The wild swings that u see in the chart must be from forex fluctuations.

aka Miss Esther Teo. lol

Annualised returns for 2, 3, 5 and 10 years barely exceed 4%...what makes u love it so much?

It's the fund manager, not the fund per se.

stability and knowing the past does not represent the future and that Asia will be the next economic power house within this decade