FundSuperMart v16 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D
|
|
 Oct 23 2016, 12:21 PM
Return to original view | Post
#1
|
 
Senior Member
16,872 posts Joined: Jun 2011  
|
FSM article@21 October:
https://www.fundsupermart.com.my/main/resea...Years!-7606 FSM article@14 October: https://www.fundsupermart.com.my/main/resea...Domination-7585 If u rely too much on research and news articles, u will go crazy  |
|
|
|
|
|
Oct 26 2016, 09:31 AM
Return to original view | Post
#2
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(river.sand @ Oct 25 2016, 08:16 PM) Pink Spider has always been advocating passive asset allocation strategy. Pasir Sungai Now he is proven right   Yeah, just set the allocation (esp geographical) right, and sleep on your portfolio  Stocks...ada apa tipsy? QUOTE(David83 @ Oct 26 2016, 08:58 AM) When I'm about to dump the funds, they're on sales again! Sikit je ma   This post has been edited by Pink Spider: Oct 26 2016, 10:01 AM |
|
|
Oct 26 2016, 10:22 AM
Return to original view | Post
#3
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(David83 @ Oct 26 2016, 10:18 AM) I told you guys that I wanted to re-balance! Rebalance from where to where? |
|
|
Oct 26 2016, 11:13 PM
Return to original view | Post
#4
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(Avangelice @ Oct 26 2016, 07:27 PM) Argued with my girlfriend as she was coaxed into buying a investment linked insurance plan for 20 years. Give u a homework. Calculate the IRR on her so-called investment linked insurance plan.I did my calculations and she is paying MYR 474.75 a month for her premiums for 20 years so in total she would have paid myr 103,940. No compounding and return of interest until the 24th year and 150% shall be paid at age 75 So me being the UT guy that i am, I keyed in her amount she will invest in RHB Bond Fund which roi is on average (worst case scenario 6%) at MYR474.75 in a compounding calculator so..... At the 20th year she would have amassed a total of myr 235,388. Now i have to do a sales pitch to get her not to buy the plan and sign up for FSM and most likely i may have to open an account under her name and help her invest every month. Dafuq. |
|
|
Oct 26 2016, 11:38 PM
Return to original view | Post
#5
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(Avangelice @ Oct 26 2016, 11:19 PM) I tried doing it but the policy has two situations. one is cash value and another is death which has two different values altogether then there's their different riders and each rider has different dividend....oh wait... that sounds exactly like our excel sheet! U know who to put as policy beneficiary oh lol. got you.   Aiyo, what riders your GF gonna add in? She/u should know mar... Put in the cash inflows (i.e. your payments) Put in the surrender value at maturity (take the average of optimistic projection and minimum projection) U get your IRR. Of course, if u wanna maximise IRR...  |
|
|
Oct 27 2016, 10:02 AM
Return to original view | Post
#6
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(river.sand @ Oct 27 2016, 09:28 AM) Bro, do us a favor... A few factors that I think this comparison will turn out in favour of "buy term, invest the rest":Find out the premium of a term plan with similar death coverage. It should be cheaper than an investment-link plan. Let's say the premium is P, so the money saved is: 474.75 - P Now, assume your gf invests this amount (474.75 - P) in UTF. What would be the value of her investment when she is 75 - assuming various IRR. Please put all these in a post as I want to take a screen shot... - sales charge/commission (insurance companies 5%+/- vs FSM 0-2%) - premium allocation rate (your agent's commission) |
|
|
|
|
|
Oct 27 2016, 10:28 AM
Return to original view | Post
#7
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(puchongite @ Oct 27 2016, 10:18 AM) Haha. I thought it's Asia Pacific Dynasty India. LYN FSM group favoured mamak fund is Manulife India la  |
|
|
Oct 27 2016, 10:46 AM
Return to original view | Post
#8
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(David83 @ Oct 27 2016, 10:45 AM) So we have a new nick. Mamak Fund? Jangan, nanti orang cakap kitorang racist |
|
|
Oct 27 2016, 11:10 AM
Return to original view | Post
#9
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(David83 @ Oct 27 2016, 11:06 AM) Somebody named Ponzi 2.0 as Dynamite Fund. Someone also called a certain FP fund a Ponzi, is that defamation? Won't that be labelled as terrorist? This post has been edited by Pink Spider: Oct 27 2016, 11:10 AM |
|
|
Oct 27 2016, 03:04 PM
Return to original view | Post
#10
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(xuzen @ Oct 27 2016, 02:53 PM) I am right with India. U screwed up on China  I am right with TA Tech I am right with RHB AIF  Xuzen  |
|
|
Oct 28 2016, 03:57 PM
Return to original view | Post
#11
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(puchongite @ Oct 28 2016, 03:48 PM) FSM (first article) seems to think the US market upside is little. Just concentrate on Asia and EM wor .... Dunno how many times I have to repeat this...When US sneezes, Asia will have fever When US have fever, Asia will get a stroke This is based on my observation and experience lar... |
|
|
Oct 28 2016, 04:03 PM
Return to original view | Post
#12
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(puchongite @ Oct 28 2016, 03:59 PM) Okay lar agree with you ! Hence don't ever forget to include some Developed Markets equity in your portfolio, IMHO you need AT LEAST 25% exposure to those. |
|
|
Nov 10 2016, 11:46 AM
Return to original view | Post
#13
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(pisces88 @ Nov 10 2016, 11:15 AM) Yea. But i made some lunch money from the klse blood bath. Contra some stocks this morning Pandai  Those who bought in yesterday, today also huat |
|
|
|
|
|
Nov 10 2016, 03:50 PM
Return to original view | Post
#14
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(wongmunkeong @ Nov 10 2016, 03:38 PM) yup - NAV is just the value them funds are holding DO NOT DISTURB THE doesn't mean squat by themselves several pages or versions ago, there were some ultra smart fellows trading / investing purely based on NAV and/or distribution ma, U missed that meh? Geniuses - no wonder so rich..  |
|
|
Nov 10 2016, 08:46 PM
Return to original view | Post
#15
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
FSM website interface changed a bit?
|
|
|
Nov 11 2016, 09:33 AM
Return to original view | Post
#16
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
USD1:MYR4.4
Cantek for those with overseas exposure |
|
|
Nov 26 2016, 11:44 AM
Return to original view | Post
#17
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
Ponzi 1.0 is underperforming Ponzi 2.0 lately, maybe it's due to Ponzi 1.0 relative heavier exposure to Malaysia.
|
|
|
Nov 26 2016, 01:14 PM
Return to original view | Post
#18
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
QUOTE(Avangelice @ Nov 26 2016, 11:57 AM) hey bro! glad to see you around. come back often bro, the lack of your presence is noted and felt U guys still surviving mah! |
|
|
Nov 27 2016, 11:22 AM
Return to original view | Post
#19
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
Where there is a non-guaranteed portion, it's hard to get a usable IRR from which to decided to buy that plan or not.
If u really wanted to try, get the ACTUAL returns of the insurance company for the past 5-10 years, and use that to project the non-guaranteed portion. Btw, topping up Ponzi 1.0 tomorrow My developed markets equity exposure has spiked up greatly from 34%+ to 36%+ lately. All thanks to Ringgit weakness. This post has been edited by Pink Spider: Nov 27 2016, 11:23 AM |
|
|
Nov 28 2016, 02:37 PM
Return to original view | Post
#20
|
|
Senior Member
16,872 posts Joined: Jun 2011
|
Crystalball™ xuzen! So, kita tengok Timur?
|
|
Topic ClosedOptions
|
| Change to: |  0.1194sec
 0.83
 7 queries
 GZIP Disabled
Time is now: 6th December 2025 - 10:12 PM |
Quote