Looks good. Not perfect, but you show a basic understand of good diversification and know "how to play" UTF.

Xuzen

avangelice,

Your portfolio is too skewed towards Malaysia. I am underweighing Malaysia as of this moment for the following reason:

i) Oil price is very positively correlated to MYR. Low oil price = weak MYR.

ii) Poor sentiments (1MDB issue) not resolved satisfactory. Too much negative PR surrounding it. Govt is handling the PR matter poorly.

iii) Poor financial result reported by of most listed company on KLSE in the previous quarter.

Xuzen

Prior to Aug 2016, you have no choice but is stuck with both as the EPF-MIS mandate restricted you to only local exposure. Post Aug 2016 liberalisation, you now can participate in foreign exposed EPF-MIS UTFs.

As such, you don't need two locally exposed UTFs. I would inclined to dump ESISC in lieu of ES Asia Select Income Fund for its awesome risk adjusted performance and some foreign exposure. It's average annualised return is 9% p.a with low volatility due to its fixed income component.

As for KGF, you may continue to keep with it as it is still a good performer. There are no other decent performer in the Kenanga stable. Kenanga, it seems only have a one trick pony, that is only its KGF that is worth mentioning. The other are so - so only.

Xuzen

This post has been edited by xuzen: Oct 23 2016, 05:38 PM

Can you cross purchase your from your Eastspring EPF-MIS to CIMB - Principle Asset Management directly?

Based on current understanding, I specifically said ES Asia Select Income because I assume EPF-MIS can only transfer inter-UTMC only and not to other rival UTMC.

Xuzen

--- deleted ---

wrongly posted.

This post has been edited by xuzen: Oct 24 2016, 10:38 AM

The end of year is coming to a close, quota need to be filled. Sales target need to be met.... Lukenn will be busy doing his last minute closing. Where got time to layan you all, tok kok fellers who DIY UTF investing and not go through agent punya? Buang masa with you bunch of people only.....

Next year lar... he'll be back!

Xuzen

India oh my India.....


Xuzen

Reminder to self: One shall not fall in love with one's investment.

Friends,

If you are a participant of RHB AIF, on 27/10/2016, there will surely be a drop in NAV. Confirm!

Xuzen

Want to ask:

If RHB AIF for whatever reason no longer is favoured and another fund is the flavour of the month, what will you all do?

I mean, now we know that the market is volatile and a lot of pure equity may be too volatile for our current liking, what if the market as a whole turnaround and pure equity fund becomes de'riguer again?

What would you do?

Xuzen

This post has been edited by xuzen: Oct 25 2016, 09:51 PM

If you look at only one year data, Indonesia centric fund looks good. But previously I have written at length about my experience of using only one year data to make judgement and it went disastrous (cue: China specific fund).

However, if you look at three year average data, Indonesia risk to reward ratio suxs big time.

The only country specific fund that has very good three years risk to reward ratio at the moment is India fund.

Xuzen

Do you feel lucky punk?, Well do ya?

On another note, AMAsia Reits seems to be going south, and I wonder why? Could it be a because MYR semakin kuat?


This post has been edited by xuzen: Oct 26 2016, 11:59 AM


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Yup, wet hair already since Apr 2016 exactly half a year ago Quick quick go check how much has the NAV has moved in six months period..... numbers don't lie.

And I can DCA into it from my CMF with a click of my mouse. In the comfort of my air-conditioned office sipping my latte while my servant gives me foot massage while sitting on my lazy chair.

Compare and contrast this with hunting from one bank branch to another driving around town hunting for parking bays, wasting petrol and time looking for some units that may or may not have depending purely on luck.

Xuzen

This post has been edited by xuzen: Oct 26 2016, 06:16 PM

I am right with India.

I am right with TA Tech

I am right with RHB AIF



Xuzen

RHB AIF: MYR 1,000.00

AmAsia REIT: MYR 4,000.00.

No lar! Just putting my money where my mouth is. Takut nanti people say tok kok only.

If Algozen™ suggestion go Holland, we all go holiday kat Holland together-gether!

Xuzen

KR4ZY meh? Ver 1 to 16?

I want the maggi mee ™ version! Cepat dimasak, sedan dimakan!

Xuzen

Last night got nothing better to do so I did some quick calculation and found out that if one were to put in Malaysia ringgit one thousand in ASM2020 for ten years without adding nor withdrawing and let the dividend compounded, one would get six point nought six percent annualized return for the whole duration of ten years.
At the end of ten years the one thousand ringgit became MYR 1,801.01.

To give one a perspective, if one were to put in Malaysian ringgit one thousand into FSM LYN perennial favourite Malaysia centric UTF, that is, KGF, the annualized return is seventeen percent. At the end of ten years, that initial one thousand ringgit would have become MYR 4,806.83. This is almost a three fold increase in return.

Taking calculated risk pays off.

Xuzen

This post has been edited by xuzen: Oct 28 2016, 06:50 PM

Let's look at this objectively.

You are already heavy in KGF and Kap-chai UTF, both that are Malaysia centric. ASX FP UTF is also Malaysian stock market centric. If that is the case, you are what the finance professional termed "Concentration risk". Too much of a good thing can also be bad.

You may want to consider diversifying away from Malaysia exposure.

Lately we have been talking about foreign exposed UTF in this thread. You will know which one to go for. No need for me to repeat.

Xuzen

Dear Sifu Ramjade,

How you determine TA Tech UTF is cheap or otherwise ar?

Can teach me ar?

Which formula you use to determine ar?

Xuzen