my portfolio increased abt 3% this month...
so I assume your too....

my portfolio lost 8% in Jan/Feb 2016...
so I assume your too

if this month I made 12K
in Jan 2016 I lost abt 30k

so what we gonna do now?
RUN? or stay to ?

wow,....20 yrs then it is for your child....
read the tips and the points of the articles...not just the words....

if 20 yrs, may I suggest that you don't go for FI funds
instead go into EQ for the 13 years,
then if situations allows at that time go "balanced" funds for another 4 years,
then if the situation allows again, go into full FI for another 2 years
then for into FD for the last 1 yr.
(if the situation don't allow,...maintain at that stage)

you need to set the accumulation, maintaining and preservation stages....to try maximise the money....
20 yrs is just too long to go for preservation stage....
just my 2 sen.

me too....I will stay, for I got no where to go

for in the ends, the markets always goes up.....

I was actually hinting to some readers, don't just be too happy of our gains, the heart aching, sleepless worries faces of losses are seldom show or reported.
we just got to be prepared and do like you used to mention,....invest with spare cash that are not needed to be touched for a long time.

This post has been edited by yklooi: Jan 27 2017, 11:26 PM


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No, it is not 400k
No, it is not like Vanguard's

i placed the word "IF" (in front of made 12k) and I just wanted to state the relativity of it....

Up don't be too happy, Down don't be too sad...just take note of our emotional feelings in those situations and have the wisdoms to rectify/correct it to the right path.....by reassessing the need to rebalance, the need to switch funds, the need to realign the allocation to suit our longer term "feel" better emotions and psychological need.

Gong Xi Fa Chai to you and the rest of the forummers here.

as per 25 Jan 2017...
my IRR is 3.75%, ROI is 14.45%

yes....you will still hv time to recover for I had set 7 yrs time frame....for recovery of a diversified eq portfolio....then you still hv balanced potfolio for another few yrs...before going to FI and then FD.

This post has been edited by yklooi: Jan 28 2017, 01:04 PM

my portfolio is now 44 months = 3.66 years
my portfolio changed more frequent than the wind directions.....from heavy in M'sia, to heavy in FI, to thematic (following 6 mths trend) to investing based on past performance (abt 3 yrs historical performance), to heavy in small caps funds that try to push up the IRR to now abt just right I think. (I believes would still be evolving).....

there is no point of trying to imitate or analyse the portfolio of others...for it may not be suitable to others, the gains or losses from that portfolio are past history which may not repeat, the time of entry may not be the same, the method of entry are not the same, the allocation or amount of each entry may not be the same...the timing and amount of fund rebalancing and switching between FI and EQ or CMF is not the same, and etc, etc.

btw, I think an annualised error of 0.5% would become a ROI of abt 7% variance in 10 yrs.

if you are still sticking to the below argument it will be error....
even though I am non finance background I don't use the "simple IRR = ROI/year invested, for I cannot rely on this simple way",

I am using that excel formula from Google

read post# 2383
to clear some confusion or add in another bigger confusion

just found this on google

Annualized returns take into account the effect of compounding. Let me give you an example.

Mr Tan invests $1000 and he gets an annualized return of 10% a year.

End of Yr 1: $1000 * 110% = $1100
End of Yr 2: $1100 * 110% = $1210
End of Yr 3: $1210 * 110% = $1331

The fund has returned $331 over the 3 years, or in absolute terms, he earned 33.1% of his original amount.

But we do not simply divide 33.1% over 3 years. Those are not annualized returns. The annualized return as we stated earlier on, was 10%.

If you are still not sure about what annualized returns mean, please let FSM CIS know!
https://fundsupermart.com/main/community/fo...d=001306&page=1




This post has been edited by yklooi: Jan 29 2017, 04:24 PM

self ego boosting.....

1st time having this YOY 10% ROI

just for my self ego boosting ONLY...
Queries or responses may not be reciprocated.

ya-hoo

psssst...I started from the low base after the 6% drops in 1 month

This post has been edited by yklooi: Feb 2 2017, 09:40 PM


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was from Jan till Oct 2016....this composition.
Roi based on that month since investment

This post has been edited by yklooi: Feb 2 2017, 09:51 PM


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while waiting for value added assistance....
I attached a file....it is in Excel Windows
not sure if it can be used for MAC

instead of manually updating individual NAVs, I am using this file to auto update my portfolio NAVs from FSM...
just key in the parameter, press CTL+U to update,
then copy and PASTE (Value) into your portfolio excel file

try it ??


Attached File(s)
 Auto_Nav_update_4_feb_2017.zip ( 26.24k ) Number of downloads: 30

Thanks for the offer to help......
btw, "idyllrain" was the macro code creator of that file that i attached earlier....
if he can managed to do a MAC macro without a MAC in hand....that would be great.

i just relocated 12% into it for this year portfolio composition.