I noticed some of the forumers here are making the same mistake that I made. At the beginning of this year everyone was cursing Ponzi 2 - not performing-lah, lau sai-lah, etc. Some of us switched out or trimmed down on Ponzi 2. I switched out 50% of my investment in Ponzi 2 and then increased it again a few months ago.

Now suddenly Ponzi 2 is the darling again. Everyone is gung ho about it.

In the long run, we will pay the PRICE for doing this. If you are in your 20's and early 30's, I think it is still OK. I assume the investment amount will not be huge and you will have time to rectify your mistake later on (with another investment horizon of 20 years).

But for mature investors in their 40's and 50's, they could be entering into danger zone if they keep switching in and out to look for the latest "hot" fund. This is because they don't have the luxury of time.

Ok, you can now start cursing me for being a party pooper. 

REITs normal return is generally single digit. The last 12 months is simply extraordinary. I didn't think it's reasonable to expect double digit in mid-long term basis

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!

oh lol. got you.

So we have a new nick. Mamak Fund?

Jangan, nanti orang cakap kitorang racist

The one which overlaps with KGF is just TNB. KGF only holding 3.35%. The rest all different. So I don't think it overlap much. Also IF EPF and KGF are holding the same stocks, how come EPF is not able to generate the same performance as KGF?

What Fund invest in education and universities?
Fast food processing?
chemical plant or any associate with chemical?

Yup, lukenn sent me the site
Glad to see that people here can benefit from it. To me the best feature is they have ALL funds in Malaysia. Morningstar doesn't have the investment linked funds

What do they get out of it? That was my first question too. Seem too nice to have a free site to offer such comprehensive data right? We speculate data mining. But who knows

Ermm pardon guys for my noob question.

Many of you seem invest in 5-6 different funds. I understand it for diversification to minimise risk right?

So is this means those who just invest in only 1-2 funds (those who invest under utc mainly) will not make full of their investment? Is diversification the only way to go in UT?

Because many of person I knew withdraw their epf to invest in UT. Ranging from 10k to 50k.

http://www.independent.co.uk/news/world/am...t-a7392711.html

Global markets in 'early stages of panic' after poll gives Donald Trump lead

how the US presidential election does effect global  economy.

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?

It's the policies that trump will implement that is worrying not the election itself.
For eg:- just slapping 20% import tax on goods from china would probably kill off most of the china based funds.
And it is harder to predict now with trump.

I do not agree with PM style of buying 100% EQ funds all the way just to maximise potential returns. So sorry, no recommendations from me using that method.

The acceptable way to me
1. set asset allocations strategy that includes both bond and equity; different geographical segment
2. purchase on DCA method or VCA method
3. Annual rebalancing if significantly deviate, if small deviation, adjust through future purchases
Okok.... I take the cynism and sarcasm back.
Risk management is a very important part of investment, or even life in general. It's very not tolerable to say risk does not matter, to me at least

it's on libra site.

yesterday she went up slightly.

lastest NAV showed she puked.

the party is not over, the USD/MYR guys in the other thread there will be another round of chronic fever until fed hike and over

If kimyee73 structured his VCA like mine, based on this:
https://www.amazon.com/Value-Averaging-Stra...s/dp/0470049774

then no way "value cost averaging and cost averaging is too costly" coz it is only using one's planned allocated funds and/or abnormal profits (kept aside after selling)

nah - bogglehead's comparison of it vs DCA and stuff
https://www.bogleheads.org/wiki/Value_averaging

er.. U are in the retail financial industry right (based on your signature)?
haven't read / compared this approach before?
just curious - no offence intended ya - i just assume that professionals would be "wider read" 

Your answer is incorrect. Do you want to try again?

Perhaps others who are studying for the CFA exam would like to try?

Xuzen

whether it's manyak panai tipu or manyak panai teka so long as it makes sense statistically.

8.24% , means, 60% chance of +/- 8.24% around a mid point.

as of YTD, it has increased 11.53%. 3 year average is 19.52%.
The way I understand it is....

Mid point = 19.52%

Current is 11.53%

Current < Mid Point.

60% chance of it will rebound up?

Malaysia Caught in Currency Ripples

https://www.bloomberg.com/gadfly/articles/2...line&yptr=yahoo

i know this is not the right place to ask/post, but this is the only place that i know many Sifu can help me.

My wife just get proposed a saving plan,

1.  every year pay RM 9000 for the first 5 year(at the beginning of the year), after 5 year not need to pay the premium any more.
2.  for this first 5 year, every year she can get RM 1300/year (at the end of the year).
3.  starting 6th until 19th year, she can get RM 1700/ year.
4.  at the end of year 20th, my wife can get guranteed maturity RM 22000 + non guranteed RM 11190 = RM 33190

my question is : how to calculate the IRR for this saving plan?
any sifu here can help me, pls.   

**sorry, i dont know how to attach the excel file/ picture.
   already try many times

like this ?

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