Haven't been on here much, quick comment. I haven't had enough of investment experience, but have been observing trend of forummers.

1) di-worse-sification is not uncommon when bringing up portfolio returns topic. The ease of buying any funds has something to do with it. On average, most regulars here has >5 funds. And that's probably equity alone. Like the master zen said, it's really not pokemon

2) Notice a trend of newcomers chasing funds based on past return only to be bitten, in the short to medium term. This is especially true for those who bought foreign funds. The good returns are contributed greatly by weakening ringgit. Do take note on it may not happen again on the same scale.

Example, asia pac/china fund when fsm recommended it during q1 last year. Probably breaking even now?

3) thinking about buy low sell high. Yo people, not stock market. Undervalued stock is unlike a undervalued market.

And yes, if it was me, i would increase my asia holdings.

Be careful with single country but non-Malaysian fund. volatility is indeed much higher.

if you want to buy Greater China Equity, check out the performance in the past 2 years... get a feel of the volatility involved so that you know what you're gonna get. Oh, btw, not to jinx it... FSM recommended CIMB greater China in March 2015. guess what happened after March 2015?

This post has been edited by adele123: Oct 26 2016, 09:53 AM

Actually today would be an-OK day to top up ponzi 2.0.

market is red, ringgit is up.

IRR 3.50%. Please note that this is an insurance product, charges are deducted for insurance coverage and not all insurance plan are the same.

IRR river sand

do i get paid?

the screenshot provided by riversand kinda limited but based on the table, the unit account values always is nett off all charges. So, the IRR calculated is nett. Before you say, why so low? Now, this product, riversand never mentioned any background. from what i can see is an Investment-linked plan, hence not the typical insurance endowment savings plan. this plan could be providing other coverages for the child. hence, return should not be main aim and not expected to be positive over the long run due to insurance charges.

i'm not familiar with your background except for what i can observe from forum. you can buy cheaper insurance, invest in stocks and it will cost you less than buying all these prumychild or prudential investment-linked #!@* and EARN even more return.

the premium allocated to the 'savings' portion is basically 'top up' which means upfront sales charge is 5%. Then it will be like, we have FSM, why go for this? but anyway, would need more information on this product/insurance plan before i can comment further.

in before someone say we are off topic...

1) spreadsheet is a good way to use to measure cashflow and IRR. formulas like IRR and XIRR in excel/google sheets are very useful.
2) lately insurance companies are promoting investment-linked insurance more so than other type of products. now, for protection purposes, sure, ILP insurance is great start. for savings/investment aim, one need to understand insurance is not pure investment. if you want pure investment, FSM is much better with max sales charge 2%.

Hold on there. Promotion is until 10th, tomorrow...

Fund performance is based last period data, ie last 3 or 5 years, but annualised return (not cumulative over the period)

The other one shows calendar year return in one particular year .

Sometimes i read i don't know if you all really so naive or being sarcastic.

Please note that when ringgit drop, your relative wealth drop. So no, i don't really earn much by holding non-Malaysia portfolios.

Based on my observation, since i understood UT (though my investment period is shorter), the problem with the World Equity fund that malaysians have access to kinda suck. would be better off with malaysia equity...

Short term, india not looking good. Big dip on the nav, i believe adverse effects of pulling the plug on their currency. Bad news as a whole on the economy as goods not sold and reading about ppl who cant get paid, etc. When i first started investing in india, it was partly cause of the bull run post modi election that i realised should really think about 'gambling' a lil on this fund. I'm still pretty optimistic in general but one should be updated on india if they plan to invest alot. Modi so far has not been able to achieve the expectation.

It is really 0%. provided they don't pay late. the only catch i can see is 15months loan, they have the right to charge annual fee of the credit card after 12 months. but aside from that, there's really no catch.

No fortune teller can tell you whether investing it is better than putting it in FD. if i know, i won't be commenting here.

Short answer: Yes.

Long answer: Yes. Don't need to google. Just sit down and compare the fund fact sheets.

The active trading 'unit trust' ones that are actively posting here. The passive ones inthat unit trust also more passive here.

Cause passive unit trust ppl busy looking for other bargains. Or busy with other aspects of life.

Let me put it in a different perspective, i don't know how the other person thinks but IMO yes, you rebalance but not on a daily basis. or even weekly/monthly for that matter. i've not been following this thread that often cause it's veering in a direction i disagree, which is constantly talking about investing here and there, add this new fund... 'hey i recommend a portfolio that looks like this because you have too much of this and too little of that' (seriously there's no perfect portfolio in this world, if there is i won't be investing in unit trust, i'll buy stocks).

my last 2 mistakes is add more funds... !@#$!@#$. should have stick with my original plan.

then again, who would have known bond fund gonna drop the way they did after trump won...

i'm just describing a general observation from what i can observe for the past few months. i do agree people do things differently. but how do i explain it, statements like the below will kinda support why i said what i said previously. I don't explain myself very well, but oh well, we can agree to disagree continue to work out my UT stuff in peace.

Before i go to sleep, put in a different perspective, over this less than 1-month time span,

a) you are right for now... if you are only investing for this 3 weeks, yes, you are right. over 6 months, 1 year, 2 years, 10 years?

b) is this active managing or betting on the right horse? i point this out, out of genuine reminder. there's fine line, betting right this time, won't make it right next time unless you really know what you are doing.

c) it's a also a human thing (fallilibility???) that they only remember one side of things and not the other. In another perspective, maybe you can try to count as well, when are the times you should not have done anything, but you did and compare before you draw such conclusions.

Out of curiousity, what made you decide on these 2 funds and no other funds?

Personally, i feel these 2 funds are way too risky and most people won't pick these 2 funds out so many funds since neither of these 2 are recommended funds by FSM.

EDIT: btw, i notice some of these recommended funds (all non-malaysian funds) are having 1% Sales Charge. New promo today before the article is out?

https://www.fundsupermart.com.my/main/resea...tormaincode=All

This post has been edited by adele123: Dec 7 2016, 09:10 AM

Eastspring small cap.

perhaps now it's time for me to switch into this fund. I need to switch out of the EI AsiaPac Target Fund.

I don't suggest you to read all the post here. To be fair, the post in this version is trending one direction. Alot of new investors talking about rebalancing and skimming profits. And to be fair, they are new, while they mean good intention in giving their opinions, please understand a certain level bias exist...

I think it may be more beneficial for you to read the articles on fsm. Take the information but form your own judgement. After all, fsm articles are written by humans not fortune tellers.

On a more objective view, if you do comparison between malaysia funds and non-malaysian funds and looking at performance over long period >5 years, you will find that definitely the malaysian funds are better.

2 reasons i can think of:
1) cause lack of forex to make it more volatile.
2) non-malaysian funds have not always been that great last time (possibly due to lack of expertise, or other reasons, but i think pinkspider here mentioned once, many years ago people suffering badly due to china fund and barely struggling to break even, even now). Caveat: Lately it has been really good, but please note that this is mainly due to weak ringgit. I am unable to objectively assess whether without this effect, would the funds be showing such good return or a positive return in fact (a message i have been trying to caution new investors but falling on deaf ears).

This post has been edited by adele123: Dec 10 2016, 09:36 PM

My portfolio for fsm is 70% foreign.

But objectively speaking (aside from last 2 years), malaysia funds like Eastspring Small Cap and Kenanga Growth is still pretty good given the risk to return ratio over the last 5 and 10 years.
2 years return as comparison to other foreign funds are not so great but too short of timeframe. i'm not patriotic but i think pinkspider here once mentione last time global funds really lousy returns.

best if you read post #1 on the part of distribution (dividend) in the context of unit trust to avoid getting the wrong concept.