reporting in too....

thanks to AIYH and Pink.....

pinned here for reference to
something abt 20%pa returns on HLA wealth plans....
https://forum.lowyat.net/topic/4154583

This post has been edited by T231H: Dec 22 2016, 07:52 AM

"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount.
Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust.
Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.
The key thing is you have to accumulate investing experience. No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher."
https://secure.fundsupermart.com/main/resea...SJBlog_20141031

M'sian Small Cap funds...any takers for some sai lang?
New RM3bil fund proposed to invest in small and mid caps
http://www.thestar.com.my/business/busines...l-and-mid-caps/

if the online form are obtainable from the web for download.....FSM should have some of the form readied printed out, else i think the FSM office should have a computer with internet connection, useable printer and some paper......

Devil's Advocates.....

".......we advise investors to remain cautious, and continue to have a long-term view in managing their portfolios. Valuation metrics have picked up quite a fair bit, making some of the markets within the Asia ex-Japan region and Emerging Markets to approach fairer value as compared to the beginning of 2016. Looking from a portfolio perspective, we maintain our neutral position in equities and bonds. While we still believe that the global economy is likely to continue its expansion, expected returns no longer justify an overweight position in equities given that expected returns are not as attractive as before, reducing the expected reward for the amount of risk taken. ---Author : iFAST Research Team --- October 14, 2016 "
https://www.fundsupermart.com.my/main/resea...Domination-7585

I think there is no conflict....
1 article is saying currently ...."some of the markets within the Asia ex-Japan region and Emerging Markets to approach fairer value as compared to the beginning of 2016."

the other one is ...."Based on this trend, we expect the PE of the Asian equity market to be re-rated to 16X over the next two years. We project Asian equities to offer a 40% upside by end of 2018."

1 is based on current valuation, the other one is based on expectation at end of 2018.....

3k in 3 months...
3k if lost 10% in 3 months = RM300....
if this RM300 ok will you ...in the long terms?
why RM300?...bcos assuming the Asia pac will drop by 10% in this 3 months...
if you think this 300 will not affect much.....then lump sum lor....

if you hesitate...then DCA 1k monthly lor...
if you wanna try out,...then DCA

based on FSM latest reports, coming US FED rate hike and the possibility of Trump as president...I would suggest DCA

unknown to how much you had invested..(no need to tell..just make your own calculation)
Ponzi 2.0
KGF
AmAsia Reit

these 3 funds can use your PRS to invest...PRS feed into these mother funds...this would helps Free your cash for some other funds

This post has been edited by T231H: Oct 24 2016, 09:30 AM

leakages and consultation fees will consume 80% already...

no....you have to manual do it yourself...
fyi,. there is 1 simple one and 1 very canggih (MUST have some excel skill to use) one in post#1

whoizz...
past 6 months i am 20% BETTER than Ponzi 1.0 and 2.0 leh.
no consider me abit -ah...



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6 months...just 6 months



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"I" would go with my self imposed guidance......
if
3 yrs annualised volatility <5 (approximates allocation 25%)
3 yrs annualised volatility 5~10 (approximates allocation 20%)
3 yrs annualised volatility 10~12.5 (approximates allocation 15%)
3 yrs annualised volatility 12.5~15 (approximates allocation 10%)
3 yrs annualised volatility > 15 (approximates allocation 5%)

therefore "I" would allocate the allocation as ....

Libra Asnita Bond..........3 yrs annualised volatility 1.06 ...... (25%)
TA Global Technology Fund.........3 yrs annualised volatility 11.52 ...... (15%)
Eastspring Investments Small-Cap Fund..........3 yrs annualised volatility 13.54 ...... (10%)
RHB Asian Income Fund......3 yrs annualised volatility 5.85 ....(20%)
CIMB-P Greater China Equity............3 yrs annualised volatility 15.03 .....(5%)
CIMB-P Asia Pac (ponzi 2.0)..........3 yrs annualised volatility 9.6 ......(20%)
Manulife India.........3 yrs annualised volatility 16.38 ......(5 %)

just a note:
"I" may not have the same risk appetite as yours,...so the fund selection and allocation maybe different.
"I" want my portfolio to be able to stay intact when the little storm comes...
these 3 yrs annualised volatility % would have to be updated from time to time
overlapped funds coverage may create havoc to the allocation too...

"I" now want to go sleep....

well said....

Clinton VS Trump – Does It Really Matter?
https://secure.fundsupermart.com/main/artic...1-Oct-16--11993

Do U.S. elections affect global markets?
https://secure.fundsupermart.com/main/artic...-markets--11994

Q: Can suggest me good blog or website for ut dummies like me?
A: try to read ALL the articles in this links...
"If you're a novice investor -- or you're looking to brush up on a specific investing concept -- this is the place to start. We've tailored this section to give you the investment foundation that you need. 
We believe it is important that you first acquire this knowledge, because only then would you be able to take charge of your own financial planning and be great at managing your financial wealth. 
Those of us here at Fundsupermart believe passionately that unit trusts are the best investment instruments to help achieve our long term financial goals. So here, we'll show you the basics of financial planning, tutor you on the finer points of unit trust investing, and help you make better investment decisions!  "
https://www.fundsupermart.com.my/main/school/school.svdo

Q: Does annualised return is a good indicator? What other indicators? Can i use lippers or morningstar as a reference?
A: follow as advise by pisces88
Different investments come with different levels of risks and investors need to understand and know the risks that they can stomach given the circumstances that they are in before making a decision on what to invest. We explain how Fundsupermart.com Risk Rating can help investors to identify which unit trusts suit their risk appetite.
https://www.fundsupermart.com.my/main/resea...-May-2015--5825

additional consideration ......
A popular topic which arises frequently when we talk to investors is the notion of a “best fund” or “best market”. Also, upon further probing, the meaning of “best” is usually simplified to some measure of historical performance over a particular period. Anecdotal evidence suggests a healthy correlation exists between funds which appear on the “top performing funds” list and funds which are selling well, an indication that investors tend to place a lot of emphasis on a product’s track record. Is such an investment approach akin to driving a car by looking in the rear-view mirror?
https://www.fundsupermart.com.my/main/resea...gust-2015--6172


This post has been edited by T231H: Oct 28 2016, 08:34 PM

for a starts, may I suggest that you try to read and understand these before you try to play ....
http://www.moneysense.gov.sg/Financial-Planning.aspx
http://www.moneysense.gov.sg/Understanding...nvestments.aspx

https://www.fundsupermart.com.my/main/school/school.svdo

page# 1, post# 1

page# 19, post# 371

and many more on fund house sites or googles......

if you wanted "to play invest", remember to "play" with the amount of monies you don't need for a few years and not with borrowed monies.

This post has been edited by T231H: Oct 31 2016, 06:52 AM

if one is "happy", contented with 5 yrs data and believes that history can repeat itself....
at portfolio volatility at 10, 78% of the times making positive returns, 5 yrs ROIs is 135%
just put 1k each now at each of this fund




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from the postings of forummers last few days using the Iportfolio to "play about with 5 yrs data....
it seems that "ALL" are making positives returns in the last 5 years...
is the last 5 years Goldilocks years??
it has QE tightening, greece, brexit, US russia grumblings, oil prices dropped, 1MDB, Yuan devaluations.....etc, etc....


This post has been edited by T231H: Oct 31 2016, 10:28 AM

Clinton VS Trump – Does It Really Matter?
FSM share our thoughts on the upcoming Presidential Elections in the US.
https://secure.fundsupermart.com/main/artic...1-Oct-16--11993

Wells Fargo Asset Management - Do U.S. elections affect global markets?
https://secure.fundsupermart.com/main/artic...-markets--11994