I think my Anita Mui fund is still in red!

The Affin Hwang Select Bond Fund?

I have high allocation of bond funds & mine is RM85.. 😱

If eUT have zero percent promo for bond fund purchase, one would save
340/10540 x 100% = 3.22%!!!

ya, bond to replace FD though I still have FD. my bond:equity ratio is low.
Haha, I just got to know eUT recently, but don't think I want to change platform for the comments given few posts above.
Perhaps I am too conservative and have not decided which area to extend my portfolio. On the other hand, I think I saw some posting here saying expecting a double digit return from unit trust is ambitious, so isn't 6% p.a 'reasonable' though it is less than the EPF return but better than FD?

Thanks, so we will be informed each time platform fees are charged.
good to know

hmm... tq, need to check my email then..

That is because the stock markets plunged in January 2016. So by 28 Jan 2016 the low point had been reached. An extremely fortunate time for those who entered the equity markets/funds at the time. Global equities including EM/China/Malaysia etc dropped by about 5-10% in just that one month period.

ohhh you invested 3.8yers alredy. is same rate 3+%like saving in bank fdeposit.
long term also same rate means your portf is cancelling each other, profit cancelled by negative lost?
you have too manu funds, not using shifus advice method allocation?

irr=roi/year.

3.75=14.45/3.85years wrong????

Nope. Not that simple. For a rough indication, yes la... but it will over estimate the irr.

that is for acca exam not useful to life.

simple better, you invest 5 yrs, roi 25%. simple average =5%pa. like this wrong meh?

Your understanding is on average return

You can also expressed in annual compound which equivalent to FD rate with interest reinvested yearly

These are applicable if you only invest your money once

However, if you do multiple investment throughout the tenure, IRR may be more relevant

The generation like that, what to do?

Except he isn't driving, the fund manager is this is more like, don't pay the bus fare until you know that the bus is going to take you where you want to go

What is vca?

Today it has been a humbling experience. The first time I put in lump sum into all my funds, I got very lucky with timing. But the second time, I have got beaten. Badly.

The Russell 2500 is down by nearly 2% and I tripled my US Small/Mid Cap exposure last Friday. So yeah...if only I had held out a bit longer. On the flip side had I held out and instead the Russell 2500 gained 2%, then I would have regretted my decision too.

Now just thinking if I should be getting my fingers itchy and switching out of any Global and European funds tomorrow. The futures don't look pretty anywhere, but they look worst for developed markets. I know I will regret it if I switch and instead they improve...likewise if I don't switch and they get worse.

Ponzi 1 and Kapchai is bek...teng teng teng teng.

Joey Yap say msia have lots of opportunity ler..say asean huat ler...i believe kapchai n ponzi 1 make a comming bek with double digit return this yr again... reserve 15% for this segment. i love volatile..and i sometime trade my fund like share...lolx hevea, jtiasa, mbsb, wcehb,rgb,superln, sop gogogogo

If I were you I wouldn't celebrate yet. The phase II of Trump is just at the beginning. We don't know if it is positive or negative impact to Asean.