Rm1 can buy u a glass of coffee, which could have helped u calculate 1% of rm100 correctly

I'm still holding it. 3% profit before Trump but now in the reds. Pfft. Just gona keep it status quo

M still holding

I switched it out last week and instead of losing a significant amount in kapchai I am now getting a slight return from eastspring emerging markets.

curious as to why you are still keeping it when our currency isn't rebounding anytime soon and BNM has already made a pseudo capital control which will affect the very companies that kapchai invests.

This post has been edited by Avangelice: Dec 7 2016, 11:31 AM

It must b painful to realize the loss
Anyway, I'm hoping v can ride thru current problems in 2017

How about Ponzi 1.0 then ?

sigh.this kapcai fund is really a flash in the pan. that freaking one year great results then shit all the way. really need to take it out.

be advised Ponzi has an substantial allocation in Malaysia and you incur switching fees. that's why I took the initiative to shift to East spring emerging markets

So Ponzi 1.0 not worth holding on to now ?
I just top up a little earlier this month based on her past performance.....

Not here you can't.. I think mamak also Rm1.20 already




Don't know which one you mean.. our China funds are pretty bad, but overall we are down about 0.06% ex-commission

This post has been edited by wodenus: Dec 7 2016, 11:21 AM

it's a relative question. is it worth holding now or maybe two years down the road?

I switched because I want stability in my investments and Malaysia is not the best country to invest currently with its politics and racism.

maybe three years down the road it will be worth it.

perception is your reality.

I know the feeling of losses on investment..
It's life. There's always loss & profit..
Hope next time will be better..

Welcome to FSM, the premier DIY platform for UTF participation.

Three to five years are usually a good time horizon. Anything shorter, look elsewhere as there are better products for those short-term speculation investment.

So, why TA GTF & Manulife India? Is it because these two fund name appear a lot in this thread?

OK, lets say you have decided to split 50:50, do you know what is the average return and historical volatility?

No? Yes?

Anyway for the benefit of doubt, look at some of the screen shot below to see some of the numbers.

Image number one is the FSM webpage showing the annualized performance of TA GTF & Manulife India Equity Fund. Notice that their individual risk to reward ratio are 1.12 & 1.17 respectively.

Image number two is the two asset portfolio calculator and the combined 50:50 two UTF has a historical return of 18.32% per year and a standard deviation aka volatility aka "riskiness" of 13.77 percent. This gives a risk to reward ratio of 18.32 divided by 13.77 equal to 1.33. Note that because you have combined two moderately correlated UTF's your combined risk to reward ratio has improved compared to the individual component. This means that the sum of part is greater than each individual part. Congrats, this means that your chosen fund gives you good diversification.

Image number three is a screen shot of correlation coefficient matrix obtained from morning star webpage. The correlation coefficient between TA GTF and Manulife India Fund is 0.49 which is considered moderately low correlation.

Finally, the question you need to answer: If your combined selection has historically return a ROI of 18.32 percent but it can swing + / - 13.77%, or lets say if you put in RM 100K, it can go up RM 118K but also swing from to RM 86.78K to RM 132K. Can you stomach this type of risk? If you are comfortable.... then go ahead.

Xuzen

This post has been edited by xuzen: Dec 7 2016, 12:10 PM


Attached thumbnail(s)

Sifus,

How to identify bonds tenure i.e 1/2/3/5-year?

I went through RHB Islamic Bond Fund interim report and i only found the average weighted tenure. And as i went through the fund's holding, it mentioned on credit risk of each holding, of which i believe isn't related to respective holding's tenure, right?

Kopi-O can..lol!

Was referring to Eastspring small cap btw.

Cool.. our asian mid-caps are down about 0.5% ex-commission already and China is down 1.5%

This post has been edited by wodenus: Dec 7 2016, 11:46 AM

Just managed to talk to my girlfriend about pulling her money out of this endowment plan she was duped into buying with ocbc.

she told the banker she wants to maximize her savings and he told her they have a great investment plan. I went through the policy and found out its a endowment/life insurance plan.

she paid 10k for it and now if she takes out there's a penalty of 2k and every year she has to pay premium of 5.8k. total return doesn't even reach 4% annually with not guaranteed returns.

she took time to listen and instructed me to take the funds and asked me to manage her portfolio.

was thinking of 50% esther bond and 50% in rhb AIF.

great boyfriend. what kind of returns are you looking at?

just did a generation of returns via the fund selector.

50% in fixed income and 50% in balance fund gives a return of 7% within the first year.

I don't dare to build her an aggressive portfolio as she is one of the scared to die investors. from there will maybe top up her minimum investment in Ponzi 2.0 as her birthday gift and ask her to place a minimum amount of myr 200 into Ponzi 2.0 on a monthly basis.

From there I can slowly give her a 50% in fixed income 25% in equity and 25% in balance funds. all centralized in Asia ex Japan for the time being.

and I jokingly told her that people get paid to help other people manage their portfolios and below is her reply

[07/12, 12:14 PM] cuz the thing I do for you is what wealth managers charge 1% of your total savings per year
[07/12, 12:14 PM] still help you top up summore

[07/12, 12:14 PM] Well, I let u feel me up
[07/12, 12:14 PM] That's smth
[07/12, 12:14 PM] Men hv to pay for tat
[07/12, 12:14 PM] But u get it for free

women.

Piap piap?