Bobby no one knows. If so easy to answer every investor also already can become millionaire easily.

Guys any chance for an Asian and Malaysian stock market comeback tomorrow? Or is it going to be red red red till Trump is inaugurated and CNY?

How can we sleep if all days also red red red?

This post has been edited by contestchris: Jan 16 2017, 10:54 PM

LOL!!! I knew it didn't sound right! How could I mix it up.

I am...which means I can't sleep! I am just overthinking stuff man. I shouldn't be - I should just leave and come back in 6 months and see how things are going...but no. I insist in my believe that if I am more "hands on" I can make even better returns, but so far I don't have the guts to make a switch.

Still, I'm invested in Greater China, where exposure to Hong Kong is more than China itself, and Hong Kong Dollar is pegged to the USD.

Could it be excitement since it is "new" to me? Will it wear off with time?

For you is just 25%, for me is 100% wor. Everything I got I dump into the funds in one go. Actually so far I don't have a losing day. Even today my net gain is somehow still 0.008%. But tomorrow I will have a net loss. For sure.

I think I'm diversified. It's just, by nature of it, day to day you have some days being net gains and some days being net losses. So far I have experienced 3 weeks of continuous net portfolio gains, no portfolio loss yet. I think it's normal, but just something new for me personally. What scares me is that when that first red comes, it will keep being red for the next 3 weeks....

I hope someone can respond to the comment above.

Is it just a visual thing (i.e. the dividend actually had been reinvested) or how?

To @lee82gx, whats the total value of your holdings in the Small Cap fund as reflected in your account?

Based on what date are the units reinvested? Today, or the date the dividends were distributed?

How come today markets rebound? Like yoyo only lah this...one day up, one day down...

You shouldn't really care about those charges as they are all priced into the NAV of a unit in the fund.

But, the Annual Expense Ratio (also known as MER - Management Expense Ratio) is roughly the amount you "lose" to management fees each year. Sales charge/switching charge is NOT included in this as they are considered to be one-time, rather than continuous charges. Management fees are things like Trustee Fees and Annual Management fees.

So let's say Fund A has a MER of 1.69% for 2016. The returns for investors for 2016 from the same fund is 8.72%. Thus from this info, you can gain that the "true" performance of the fund is actually 1.69 + 8.72 = 10.41%.

At least I think that's how it is. In Malaysia most funds have a MER of around 1.5-2.1%.

Guys, everyday I tell myself "lucky I didn't switch yesterday". It's like a yo yo man. Keeps going back and forth. Today super day in Greater China, tomorrow I can almost bet things would go south.

If you really have some fear, use CIMB Clicks to start off. I did that. Instantaneous and SC is 2.5%, not that far away from FSM. But going forward I plan to use FSM.

First of all that is a very poorly diversified portfolio - almost everything is in Asia ex Japan. Asia ex Japan is currently the golden goose, but if you want hands-off long term passive investment, this is a bad portfolio. You need some global equities, some developed regional equities, some emerging equities and some local equities in there.

At least this is how I would do it:

15% local
15% emerging markets
20% global/developed
50% Asia

My starting portfolio for reference (all bought on 27 Dec 2016)

RHB Asian Income --- 6.7%
RHB US Focus Equity --- 6.7%
CIMB Greater China Equity --- 13.3%
CIMB Asia Pacific Dynamic Income --- 20.0%
CIMB Global Titans --- 13.3%
TA European Equity --- 6.7%
Affin Hwang Select Asia ex Japan Opportunity --- 6.7%
Eastspring Small Cap --- 13.3%
Kenanga Growth --- 6.7%

This post has been edited by contestchris: Jan 18 2017, 08:53 PM

It's already nett. That 10% gain is the gain seen by investors and they don't need to deduct anything else above it (except if say your service charge was 2% and the gain was 10%, then your actual net gain is only around roughly 8%).

Guys, please man. Help me.

Yesterday was a good day for Asian markets. Hang Seng Index was up by 1.20%. Yet why my Greater China Fund makes up a measly 0.19%, and my Asian Pacific Dynamic Income fund lost 0.11%? Not logical. Was this affected by the appreciating Ringgit in any way? I'm at loss for words!

But most PRC stocks are listed on HK or US market. Look at the top holding assets of the CIMB Greater China fund, none are actually listed in China.

This post has been edited by contestchris: Jan 20 2017, 01:11 AM

0.351%
0.158%
0.267%
0.476%
0.396%
0.710%
-0.118%
0.079%
0.392%
0.230%
0.134%
0.008%
-0.238%
0.245%
-0.061%
-0.023%

[Gross growth: 3.043%, Net gains (taking into account SC): 0.311%]

Friends, the above is my day-to-day portfolio performance from the time I bought it (Dec 27) till now. As you can see 3 of the 4 most recent days are losses, and Friday will be another loss (pricing for Friday will only be published on Monday). Should I withdraw my money, and put it back in once the global markets stabilize? Another issue is that over the past week the ringgit has slightly strengthened from RM4.49 to ~RM4.45, hence this kind of reduces gains/increases losses for all the regional/global funds.

This post has been edited by contestchris: Jan 21 2017, 02:20 PM

To be honest I did buy my UT from CIMB clickcs online independently without consulting any of their staff but they still charge me 2.5%

Manulife got switching charge. My advice, don't get both, just one enough.