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 FundSuperMart v17 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

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fense
post Jan 4 2017, 01:43 PM

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QUOTE(Avangelice @ Jan 4 2017, 01:39 PM)
Yeap. I'm planning to max out my allocation for am REITs by taking advantage of the 0.5% service charge on the 7th of January sifu and cannot top up anymore on Manulife US as I already maxed out my allocation there too.
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AM REIT being alow lately, hopefully it went up. I got significant allocation on it.
fense
post Jan 4 2017, 01:45 PM

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QUOTE(xuzen @ Jan 4 2017, 01:22 PM)
Pokémon player meh? Gotta catch em all™?

I participarte up to four unit trust fund only nia....  cry.gif

Avangelice,

I am topping up again on AM Reits & Manulife US.

Selling / taking profit on Manulife India. Using the profit from India to top up on AM Reits.

Xuzen
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yeah, because I am not master, main tembak tembak, when got news or offer in Fundsupermart, i tried.
during my first year lose until neg at year end...
fense
post Jan 4 2017, 03:04 PM

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QUOTE(wodenus @ Jan 4 2017, 01:51 PM)
Yea this is like any business venture.. you lose money in the beginning, then you analyze your mistakes and learn. Then you lose less next time. Then eventually you will gain a profit smile.gif used to chase hot funds too.. but then you realize that is a losing strategy in the end smile.gif

Trying to stick to one strategy now.
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QUOTE(dasecret @ Jan 4 2017, 02:08 PM)
I believe many others have kind of answer your question

My take? I too have close to 20 funds in my first portfolio; slowly cutting down but still no where near 5-7 funds. The idea is simple, same geographical segment, just stick to the fittest horse, what for split your bets and end up with less. It's diworsification
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QUOTE(wodenus @ Jan 4 2017, 02:14 PM)
It's a way to reduce volatility. More volatility usually means more profit, it all depends on where in the sliding scale of volatility/profit you want to be I guess.
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QUOTE(shankar_dass93 @ Jan 4 2017, 02:34 PM)
Would you mind sharing the list of 25 funds that you invested in ?
I'm only holding 3 funds at the moment
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ya.. Learning Curve for me...
Is time to seat down and study prperly
I really found no one for proper guide. And I am from medical field too, learning investment from zero since 3 yrs ago.

OK, THis is my Investements
I know got lot of Overlapping
The last three was investement with affinhwang agent.



YA Learning Curve for me..
I need sometime to analysis it again.

As requested
Name of Fund Payment Method Profit (%)
1 Affin Hwang Select AUD Income Fund - MYR Cheque -0.74
2 Affin Hwang Select Asia (Ex Japan) Quantum Fund Cheque -3.51
3 Affin Hwang Select SGD Income Fund - MYR Cheque 7.54
4 AmAsia Pacific REITs - Class B (MYR)Cheque -0.87
5 CIMB Islamic Asia Pacific Equity Fund - MYR Cheque -1.38
6 CIMB-Principal Asia Pacific Dynamic Income Fund - MYR Cheque 12.85
7 CIMB-Principal Global Titans Fund Cheque 20.44
8 Commodities Equity Cheque 15.78
9 Eastspring Investments Asia Pacific Equity MY FundCheque 20.12
10 Eastspring Investments Asia Pacific Ex-Japan Target Return Fund Cheque -3.08
11 Eastspring Investments Bond Fund EPF Account 1 -2.57
12 Eastspring Investments Dana Al-IlhamEPF Account 1 -1.40
13 Eastspring Investments Dynamic FundEPF Account 1 1.33
14 Eastspring Investments Global Leaders MY FundCheque 22.24
15 Eastspring Investments Japan Dynamic MY Fund - MYR HedgedCheque 21.06
16 Eastspring Investments MY Focus Fund EPF Account 1 -4.84
17 Eastspring Investments Small-Cap Fund Cheque -6.15
Eastspring Investments Small-Cap Fund EPF Account 1 -7.92
18 Kenanga Asia Pacific Total Return Fund Cheque 0.81
19 Kenanga Growth Fund EPF Account 1 -2.55
Kenanga Growth Fund Cheque 4.86
20 Kenanga Syariah Growth Fund EPF Account 1 -2.77
21 Maybank Bosera Greater China ASEAN Equity-I Fund - Class A (MYR) Cheque 9.35
22 Pacific Global Stars Fund Cheque 14.75 (left over Profit)
23 RHB Big Cap China Enterprise Fund Cheque 7.41 (left over Profit)
24 TA European Equity Fund Cheque 15.90 (left over Profit)
25 RHB Cash Management Fund 2 Cheque 1.74
26 AffinHawang AIIMAN PRS GROWTH fund
27 AffinHawang AIIMAN PRS SHARIAH GROWTH fund
28 AFFINHWANG AIIMAN GROWTH FUND

Long list ya...
Those EPF one I admit, I didnt study properly just tembak... was inveested to aim total amount into reward programs


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fense
post Jan 4 2017, 03:14 PM

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And I am aiming selling off these

10 Eastspring Investments Asia Pacific Ex-Japan Target Return Fund
12 Eastspring Investments Dana Al-Ilham
13 Eastspring Investments Dynamic Fund
16 Eastspring Investments MY Focus Fund
20 Kenanga Syariah Growth Fund
22 Pacific Global Stars Fund
23 RHB Big Cap China Enterprise Fund
24 TA European Equity Fund
27 AffinHawang AIIMAN PRS SHARIAH GROWTH fund
28 AFFINHWANG AIIMAN GROWTH FUND

Maybe next week or later..
I am waiting affihwang agent give me a greenl iefe to transfer out into Fundsupermart. Now they are still busy with the last year things, no time entertain my request yet..
fense
post Jan 4 2017, 03:18 PM

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QUOTE(Avangelice @ Jan 4 2017, 03:14 PM)
here you go. lean and mean machine.

I removed the others as they had too many correlations with the best horse in the house.

also too many funds in Malaysia. gave you a small cap and a big cap eq funds. also your EPF is already investing in Malaysia. why would you take the money out just to invest in Malaysia? you already get charged 2% for it if I'm not mistaken. leave it back to epf to do Malaysian allocation for you.
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I do agree, whose are top stable Fund I experienced for past 3 years
Except the Affin HWANG PRS SHARIAH GROWTH... negative 3 years.. no top up for last year.
fense
post Jan 4 2017, 03:19 PM

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QUOTE(Avangelice @ Jan 4 2017, 03:17 PM)
Don't sell. just switch. if you sell and buy again you get charged another 2% with a total of 4% spent on buying two funds. just switch within the same fund house at zero charge.
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ya, I knw, switch intra find house, full use of the credit system.
thanks.
fense
post Jan 4 2017, 10:28 PM

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QUOTE(xuzen @ Jan 4 2017, 08:54 PM)
One is focused mainly on dividend counter, while the other is growth focused..

Forgetaboutit kay? Just stick with Lee Sock Yee  wub.gif  wub.gif  wub.gif
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why lee sock yee is so attractive?lol
past half a year both kgf and eastspring small cap is not very good performance..

if trump effect happen, will malaysia market drop further?
fense
post Jan 7 2017, 02:44 PM

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QUOTE(hurtedheart @ Jan 7 2017, 02:19 PM)
hi all, does the 0.5% sales charge today apply to intra switching from bond fund to equity fund? thanks
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It does, if listed. I done few switch today
fense
post Jan 7 2017, 03:18 PM

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xuszen Fund NAV will raise if USD raised? or just mergely because of their higher/better income?
if aim exchange rate, rather buy/exchange more USD now, isn't?

This post has been edited by fense: Jan 7 2017, 03:19 PM
fense
post Jan 7 2017, 03:26 PM

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QUOTE(AIYH @ Jan 7 2017, 03:20 PM)
If funds are in foreign currecy, forex play a part in the fund performance, whether the performance is due to MYR strengthen/weaken against USD (mostly) you cna compare it against MYR/USD forex graph to observe, or simpler if the fund has USD class, just read their performance smile.gif
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I understand if buy in USD class sure we will get benefit from the forex changed. But if just US involved company/investement, forex cahnged wont help much, isnt?
fense
post Jan 7 2017, 03:40 PM

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QUOTE(xuzen @ Jan 7 2017, 03:36 PM)
Lets say you participate in a  unit trust fund that is 100% buys into US stock market.

Lets say that the fund manager instruct the trustee to disburse MYR 100K to buy Pfizer Inc (the maker of Viagra tablet). Let's say currently USD is trading USD 1.00 to MYR 3.80 lah! MYR 100K will then after forex conversion = USD 26K. Hence this means that the trustee would have bought USD 26K worth of Pfizer stock.

Let's assume the stock price of Pfizer does not move at all. But the USD has move upwards to USD 1.00 to MYR 4.50. Now, that USD 26K worth of Pfizer stock becomes MYR 118.5K. That is a 18% increase in NAV.

What if Pfizer Inc did well and declare good dividend leh? Then the NAV lagi naik. And vice-versa.

Understand boh?

Xuzen
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This really delight me. understand, thank for teaching thumbsup.gif

btw Pfizer have more painkillrt than jusr vigra biggrin.gif
fense
post Jan 7 2017, 03:51 PM

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QUOTE(hurtedheart @ Jan 7 2017, 03:47 PM)
would you mind to tell under which fund house you managed to switch?
I tried to switch from affin hwang bond fund to affin hwang select asia (ex japan) quantum fund & rhb emerging bond fund to rhb gold & general fund, both prompted me 2% sales charge  sad.gif 
but when I tried to buy using FPX, the sales charge is 0.5% only for the above equity funds..
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In that case, I think it only apply to interfind house, as I switch inter fund house. not switch bond to equity.
fense
post Jan 7 2017, 03:54 PM

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QUOTE(AIYH @ Jan 7 2017, 03:49 PM)
If I am not mistaken, normally the promotional SC are not valid for switching sad.gif
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I done two switch today, both also 2%.
was planned to switch next week but realise today got such promotion then I do it today,
Jimat 1.5%.
Had finished switching my 25 Funds into 18.LOL bye.gif
fense
post Jan 7 2017, 03:59 PM

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QUOTE(AIYH @ Jan 7 2017, 03:55 PM)
If you had planned earlier, may be you can use the infamous credit ninja trick biggrin.gif

Good to cut down high correlation fund within the same region/sector smile.gif
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wrongly type. both i switch today also 0.5% sales charge.
fense
post Jan 7 2017, 04:00 PM

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QUOTE(hurtedheart @ Jan 7 2017, 03:55 PM)
I see. Then I shall redeem my bond fund and have the proceeds in Cash Management Fund so that I could make purchases on 14/01/2017 with the 0.5% sales charge instead of today
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In that case, u need to do it earlier, as redeem into CMF will take few days too
fense
post Jan 8 2017, 03:58 PM

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» Click to show Spoiler - click again to hide... «


I did actively manage all the Funds one first year of investment, keep topping up and switching. but the gain is not much. I was so busy last year, forgot about active management. and 2016 was the best performance in my profolio. tongue.gif

At the end, Unit Trust is not stock, single days or weekly lost is nothing much. as it aiming shortest term also 3-5 years.
Observe and wait, most of the Funds will still have positive Return.
But I personnally got one fund never touch for 3 years, still neg 3 percent blink.gif AGF

This post has been edited by fense: Jan 8 2017, 04:01 PM
fense
post Jan 8 2017, 04:08 PM

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QUOTE(puchongite @ Jan 8 2017, 04:02 PM)
Market timing has the major deciding factor, for example the first week of 2017, almost all funds increased several percent.
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Timing is the hardest things to catch.
like xuzen said unless u have the crystal ball.

few percent is not the aim of growth, for me I aim higher return.

Who know suddenly someone Tembak Trump, world be crazy again. Or suddenly Jib Gor got a stroke and into coma. who knw?

* In US history, Leader being shoot to death was happened
* In Msia, Leader sudden death due to medical reason was happened every years.
In SG, the leader all so difficult to die, President Lee had brain tumor and prostate ca, also settled healthy after surgery.

This post has been edited by fense: Jan 8 2017, 04:22 PM
fense
post Jan 9 2017, 11:45 AM

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QUOTE(puchongite @ Jan 9 2017, 11:23 AM)
Time or patient is the only price you have to pay, everything else is a gain.

After submission of forms via snail mail, you are not supposed to trade it anymore and I don't know what will happen if you trade it further and the no of units does not tally with that in the your submitted form .....
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Anyone been tried walk in to fundsupermart office in KL for filling form?
I am thinking do so, since have some free time in KL.
fense
post Jan 9 2017, 12:10 PM

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QUOTE(wodenus @ Jan 9 2017, 11:54 AM)
Done it for both FSM and EUT. Both work, less troublesome, don't have to take a pic of your IC front and back, and email it. Also don't have to print the form and sign it, and then take a pic.
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Does it like a bank need take number of just a very simple office with counter only?
I was intended to fill form for transfer and also filling epf switch form.
fense
post Jan 10 2017, 11:44 PM

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QUOTE(Avangelice @ Jan 10 2017, 07:26 PM)
[attachmentid=8385249]

came home to find this in my letter box. small gestures like this are very sweet and nice.

Thank you fsm eventho I'm not a big fan of giving money out. lol
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They really do like bank, redesign every year. but I like last year one

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