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

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howszat
post Feb 6 2017, 09:16 PM

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QUOTE(skynode @ Feb 6 2017, 08:50 PM)
Okay, I need to hear out some ideas/opinions from you guys.

PROBLEM A
Remember I was asking reg PMB transfer of funds to FSM?  Now I am having a dilemma.
In view of current market being quoted as possibly overvalued by others...
Option 1 : Should I reinvest ALL my funds from PMB to my designated portfolio and enjoy the zero percent sales charge?
OR
Option 2 : Should I just reinvest RM10k first, then do VCA for the remaining funds every month but losing out on the zero percent sales charge once the 1 month period has passed?
Which is more logical and economical?

PROBLEM B
I am going to put in RM1000 into PRS to get the one-off RM1000 initiative from government.  Rather than RM1000, would it be also reasonable to top up RM3000 every year (till 2021) to enjoy the tax rebate benefit?

PROBLEM C
Manulife Equity USA versus Aberdeen Global Fund
Global fund has better diversification (includes European countries) but why are most people more keen on 100% USA fund?  Isn't it riskier?  Or is it because the presumed Risk Reward ratio is better?

hmm.gif  hmm.gif  hmm.gif
*

Not giving ready-made answers, but asking you more questions. Sorry, that's because there are no ready-made answers. It depends.

A. Don't just look at sales charges. Ask which funds give you the best returns (in the longer term) after sales charges.
B. PRS. Depends. Initial tax deductions look good, but the limited funds available may not perform. Don't just look at the tax aspect.
C. There are various types of ratios you can look at. They are based on past performance. If they can predict the future accurately, this thread topic would not longer be required. We would just look at ratios and make lots of money.
vincabby
post Feb 6 2017, 09:22 PM

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QUOTE(contestchris @ Feb 6 2017, 09:05 PM)
No I'm not buying the Manulife India and it's nothing about confidence. It's just stupid how he casually mentions that an Indopak war is a legitimate risk that everyone should consider. No, it isn't. Get real. Pakistan is the newest "emerging market" in the world, officially to be upgraded from a "frontier market" status this May. Same status as Malaysia. Indopak wars make good movies but they're the stuff of fiction these days. Like I said even if the governments go to war, the people won't.
*
do you know why pakistan and india is at war till now? I will not even question your "frontier market" thing because I take your word for it since you read a whole lot moer than I do. I would not dismiss the idea of war that easily between Pakistan and India. The fear is always there. All it takes is one bullet, one rocket, one shot.

the only movie i know highlighting the war between paki and india is vertical limit way back then. however, nothing is impossible. look at trump. he's already the impossible and we are living in it. Did you think Trump would win against Hillary? If you do, you just beat xuzen's crystal ball. so u say no WAR will happen. idealistic thought . I love a world of peace. You can hope on it but don't bet on it not happening.
howszat
post Feb 6 2017, 09:34 PM

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QUOTE(contestchris @ Feb 6 2017, 09:05 PM)
Pakistan is the newest "emerging market" in the world, officially to be upgraded from a "frontier market" status this May.
*

Well, don't hesitate to share your sources of information.
contestchris
post Feb 6 2017, 09:40 PM

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QUOTE(howszat @ Feb 6 2017, 09:34 PM)
Well, don't hesitate to share your sources of information.
*
Sure: "Pakistan will be reclassified from Frontier Markets to Emerging Markets effective May, 2017."

https://www.msci.com/market-classification

--------------

I would actually buy the heck out of a "Greater India" fund that has some allocation towards Pakistan, and probably even Bangladesh and Sri Lanka.

A number of mega projects are coming up in Pakistan.

https://www.bloomberg.com/news/articles/201...lionaire-mansha
skynode
post Feb 6 2017, 09:41 PM

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QUOTE(howszat @ Feb 6 2017, 09:16 PM)
Not giving ready-made answers, but asking you more questions. Sorry, that's because there are no ready-made answers. It depends.

A. Don't just look at sales charges. Ask which funds give you the best returns (in the longer term) after sales charges.
B. PRS. Depends. Initial tax deductions look good, but the limited funds available may not perform. Don't just look at the tax aspect.
C. There are various types of ratios you can look at. They are based on past performance. If they can predict the future accurately, this thread topic would not longer be required. We would just look at ratios and make lots of money.
*


» Click to show Spoiler - click again to hide... «
In other words, just put my money at where my faith is. I have read that lower cost would maximise the return of unit trust and make a difference in the long run.

This post has been edited by skynode: Feb 6 2017, 09:41 PM
contestchris
post Feb 6 2017, 09:43 PM

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QUOTE(skynode @ Feb 6 2017, 09:41 PM)
In other words, just put my money at where my faith is.  I have read that lower cost would maximise the return of unit trust and make a difference in the long run.
*
If you are going to be totally passive, it's better to pay 5% SC for a fund that returns an annualized 8% vs 1% SC for a fund that returns 6% annualized.
howszat
post Feb 6 2017, 09:48 PM

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QUOTE(skynode @ Feb 6 2017, 09:41 PM)
In other words, just put my money at where my faith is.  I have read that lower cost would maximise the return of unit trust and make a difference in the long run.
*

No exactly. Put your money after you have done your own homework, your calculations, and it agrees with your faith.

In this forum, and other avenues, you do your homework, first.

Then, when you click-click buy/sell on FSM where a pop-up says "ARE YOU SURE?", that's where your faith gets involved.

PS: "lower cost would maximise the return". The return does not rely on the cost, but the actual return after costs. That you have to work out for yourself what it means.

This post has been edited by howszat: Feb 6 2017, 09:50 PM
howszat
post Feb 6 2017, 09:59 PM

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QUOTE(contestchris @ Feb 6 2017, 09:40 PM)
Sure: "Pakistan will be reclassified from Frontier Markets to Emerging Markets effective May, 2017."

https://www.msci.com/market-classification

--------------

I would actually buy the heck out of a "Greater India" fund that has some allocation towards Pakistan, and probably even Bangladesh and Sri Lanka.

A number of mega projects are coming up in Pakistan.

https://www.bloomberg.com/news/articles/201...lionaire-mansha
*

Actually, if you think it has great potential, you should not tell anyone else.

Everyone buys it, it will be over-priced, and no longer worth it. Just buy it quietly...
contestchris
post Feb 6 2017, 10:12 PM

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QUOTE(howszat @ Feb 6 2017, 09:59 PM)
Actually, if you think it has great potential, you should not tell anyone else.

Everyone buys it, it will be over-priced, and no longer worth it. Just buy it quietly...
*
There's nothing to buy. Nobody is offering anything that has Pakistan in it (aside from GEM with 1% weightage). And I'm just sharing stuff, it's not an endorsement to buy or sell. Plus I'm not a fan of "keep to yourself, don't let others profit" mantra some people have. If there's something good to highlight, I will do so. Likewise, the other way too.

This post has been edited by contestchris: Feb 6 2017, 10:12 PM
xuzen
post Feb 6 2017, 10:28 PM

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QUOTE(dasecret @ Feb 6 2017, 11:57 AM)
So boss dropped AIF altogether? Not considering Asian equities in your portfolio for now?
*

I am still keeping my eye on RHB AIF, after all, to me, it is all a click away to move from Selina's UTF wub.gif wub.gif wub.gif to RHB AIF at zero cost.

QUOTE(puchongite @ Feb 6 2017, 12:21 PM)
India is on steroid.
*

I started my exposure towards India in mid 2016. Nowadays I am mainly skimming profit from her. Now only you notice India ar? India has been on the uptrend since..... cool2.gif


Ramjade
post Feb 6 2017, 10:31 PM

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QUOTE(skynode @ Feb 6 2017, 08:50 PM)
Okay, I need to hear out some ideas/opinions from you guys.

PROBLEM A
Remember I was asking reg PMB transfer of funds to FSM?  Now I am having a dilemma.
In view of current market being quoted as possibly overvalued by others...
Option 1 : Should I reinvest ALL my funds from PMB to my designated portfolio and enjoy the zero percent sales charge?
OR
Option 2 : Should I just reinvest RM10k first, then do VCA for the remaining funds every month but losing out on the zero percent sales charge once the 1 month period has passed?
Which is more logical and economical?

PROBLEM B
I am going to put in RM1000 into PRS to get the one-off RM1000 initiative from government.  Rather than RM1000, would it be better to top up RM3000 every year (till 2021) to enjoy the tax rebate benefit?

PROBLEM C
Manulife Equity USA versus Aberdeen Global Fund
Global fund has better diversification (includes European countries) but why are most people more keen on 100% USA fund?  Isn't it riskier?  Or is it because the presumed Risk Reward ratio is better?

hmm.gif  hmm.gif  hmm.gif
*
I will give you a straight answer. tongue.gif Make your life easier. biggrin.gif
A: Do not see the zero percent. See discounts in the market. THe zero percent/0.5%/1% are just additional bonus rclxms.gif
B: You can try to sell little by little. Sell PM. Contact FSM for zero fees. smile.gif
C: My answer, why do you want to pay so much income tax? whistling.gif

QUOTE(vincabby @ Feb 6 2017, 09:22 PM)
do you know why pakistan and india is at war till now? I will not even question your "frontier market" thing because I take your word for it since you read a whole lot moer than I do. I would not dismiss the idea of war that easily between Pakistan and India. The fear is always there. All it takes is one bullet, one rocket, one shot.

the only movie i know highlighting the war between paki and india is vertical limit way back then. however, nothing is impossible. look at trump. he's already the impossible and we are living in it. Did you think Trump would win against Hillary? If you do, you just beat xuzen's crystal ball. so u say no WAR will happen. idealistic thought . I love a world of peace. You can hope on it but don't bet on it not happening.
*
India and Pakistan will never start a fight. Just look at N.Korea and S.Korea. N.Korea always flex their muscle or "accidentally" let off some rockets and then make loud hoohah then keep quiet. Same thing with Pakistan and India.

This post has been edited by Ramjade: Feb 6 2017, 10:32 PM
contestchris
post Feb 6 2017, 10:37 PM

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QUOTE(xuzen @ Feb 6 2017, 10:28 PM)
I am still keeping my eye on RHB AIF, after all, to me, it is all a click away to move from Selina's UTF  wub.gif  wub.gif  wub.gif to RHB AIF at zero cost.
I started my exposure towards India in mid 2016. Nowadays I am mainly skimming profit from her. Now only you notice India ar? India has been on the uptrend since..... cool2.gif
*
UTF? And zero cost? Not cost at least RM25 meh to switch?
howszat
post Feb 6 2017, 10:37 PM

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QUOTE(contestchris @ Feb 6 2017, 10:12 PM)
There's nothing to buy. Nobody is offering anything that has Pakistan in it (aside from GEM with 1% weightage). And I'm just sharing stuff, it's not an endorsement to buy or sell. Plus I'm not a fan of "keep to yourself, don't let others profit" mantra some people have. If there's something good to highlight, I will do so. Likewise, the other way too.
*

In a previous post, you said:
QUOTE
I would actually buy the heck out of a "Greater India".
.

Now, you say nothing to buy.

Can you be more consistent?
contestchris
post Feb 6 2017, 10:38 PM

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QUOTE(howszat @ Feb 6 2017, 10:37 PM)
In a previous post, you said: .

Now, you say nothing to buy.

Can you be more consistent?
*
You need to understand the nuance of the language. I was speaking of a hypothetical scenario were such a fund to exist.
Ramjade
post Feb 6 2017, 10:42 PM

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QUOTE(contestchris @ Feb 6 2017, 10:38 PM)
You need to understand the nuance of the language. I was speaking of a hypothetical scenario were such a fund to exist.
*
The 3 next best country:
- India (good ties with the west)
- Pakistan
- Vietnam
howszat
post Feb 6 2017, 10:42 PM

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QUOTE(contestchris @ Feb 6 2017, 10:38 PM)
You need to understand the nuance of the language. I was speaking of a hypothetical scenario were such a fund to exist.
*

Please don't hide behind "nuances" and "hypothetic" bullshit.

Dishonesty is not useful in this, or any other threads.
xuzen
post Feb 6 2017, 10:42 PM

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QUOTE(contestchris @ Feb 6 2017, 10:37 PM)
UTF? And zero cost? Not cost at least RM25 meh to switch?
*
Nope....my switches are unlimited and at zero cost always. No, I am not on CIMB Clicks..... cool2.gif bruce.gif

UTF = Unit Trust Fund
contestchris
post Feb 6 2017, 10:44 PM

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Speaking about India further, it has many risks. But a Indo-Pak war is a non-factor.

Big risks in India are political risk, both at the central government and state level. India is totally unlike China, where the central government has strong rule over the land. In India, state governments can be very isolationist and there is a risk of some states breaking away. In the Indian parliament when they speak be it in Hindi or English, many members need to wear headphones and listen to translators. India is a chaotic place, compared to China which is very "prim and proper" and tidy.

There is totally a lot of growth to be tapped in India. I have been there. I know the people. But there is no discipline in India. Every state wants to act in its own selfish interest (rightly or wrongly) not in a national interest. Sometimes I dream of what India can be with their land mass and population and low wages...if they got a government like China's that can rule with an iron fist.
Ramjade
post Feb 6 2017, 10:51 PM

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QUOTE(xuzen @ Feb 6 2017, 10:42 PM)
Nope....my switches are unlimited and at zero cost always. No, I am not on CIMB Clicks.....  cool2.gif  bruce.gif

UTF = Unit Trust Fund
*
But you kena charge 1% pa. whistling.gif

QUOTE(contestchris @ Feb 6 2017, 10:44 PM)
Speaking about India further, it has many risks. But a Indo-Pak war is a non-factor.

Big risks in India are political risk, both at the central government and state level. India is totally unlike China, where the central government has strong rule over the land. In India, state governments can be very isolationist and there is a risk of some states breaking away. In the Indian parliament when they speak be it in Hindi or English, many members need to wear headphones and listen to translators. India is a chaotic place, compared to China which is very "prim and proper" and tidy.

There is totally a lot of growth to be tapped in India. I have been there. I know the people. But there is no discipline in India. Every state wants to act in its own selfish interest (rightly or wrongly) not in a national interest. Sometimes I dream of what India can be with their land mass and population and low wages...if they got a government like China's that can rule with an iron fist.
*
Thanks for the info.
contestchris
post Feb 6 2017, 11:05 PM

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QUOTE(xuzen @ Feb 6 2017, 10:42 PM)
Nope....my switches are unlimited and at zero cost always. No, I am not on CIMB Clicks.....  cool2.gif  bruce.gif

UTF = Unit Trust Fund
*
Eh, RHB says buta buta you must pay RM25 per switch. How do you escape this then?
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