"not too good" English
VS
"not too good" maths / Excel
kua hehhe

English: $10K dropped to $5K and recovers 6%

Which maths fits English:
$10K +6%
VS
dropped to $5K + 6%



for clarity, perhaps:

https://docs.google.com/spreadsheets/d/1BYt...dit?usp=sharing

This post has been edited by wongmunkeong: Dec 30 2016, 06:56 PM

so buy PM UT or fundsupermart UT ?

which better ?

How do they charge the 0.25% already calculated into the NAV or need to pay separately?

This PRS funds actually feed from the mother fund (AMASIA PACIFIC REITS - CLASS B (MYR))

After some thought, get what you mean

Still switch or not it depends on how you understand the fundamentals and which give better future potential

If the original fund can't perform further or inferior compared to its peer (if you switched), then original stay put might not be the best option

Ultimately, it still depends on further analysis and monitoring before deciding whether making the switch is worthwhile

ps for the short circuit

You need to compare the funds by sector and region to see which fund house/platform provide better potential and return

This you need to ask AmInvestment

This post has been edited by AIYH: Dec 30 2016, 07:15 PM

woah woah woah. why people keep bringing me into arguments lately. I'm innocent I tell you. innocent!

Evidence of table is easier to make ppl understand

Ya, I know. I am aiming tax relief. Since 3 year in Affin Hwang, no as good as expected, time to Jump ship.

For PRS (at least in FSM) I can recommend 3 equity funds (simply because conservative type doesn't worth it, better put EPF lol)

a) Kenanga OnePRS Growth Fund

This is pure Malaysia fund invested in diversed sectors, feed into Kenanga Growth Fund, but due to Malaysia situation, you may want to consider skipping this if you do not want anymore Malaysia exposure

b) CIMB-PRINCIPAL PRS PLUS ASIA PACIFIC EX JAPAN EQUITY - CLASS C

This is an Asia ex Japan fund invested in diversed sectors, feed into CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND - MYR, this is not a bad fund, considering that Asia ex Japan region is going to boom in the coming 2 years

c) AMPRS - ASIA PACIFIC REITS - CLASS D

This is an Asia inc Japan fund invested in REITS, feed into AMASIA PACIFIC REITS - CLASS B (MYR), aside from potential boom in Asia ex Japan region, if you think property will be the future boom too, this is not a bad fund

See below for 2 years performance (AmPRS one is less than 3 years since launch), and 3 years performance, along with affin hwang prs growth fund as a comparison

You may suggest others and discuss here if you find better choice

This post has been edited by AIYH: Dec 30 2016, 07:48 PM


Attached thumbnail(s)

Pilihan muktamad aku ialah (b).

U come post in FSM thread, sure we would say FSM better

The one on the left is a 6% gain, no switching (Scenario 1)

The one on the right is scenario 2, a 8% gain after switching at the middle point from Scenario 1.

Friends, what's your personal take on next year? Especially in terms of performance of funds (equities, bonds, balanced, money market etc) in the various regions around the world relative to us, such as Malaysia, Asia/Asia Pacific, USA, Europe, Japan, non-Asian Emerging Markets etc.

I've been doing some reading, seems like a lot of global fund companies are recommending Europe due to the undervaluation there - but all it needs is some Trump/Brexit thing to wreck havoc in France/Germany and the European market will likely not perform all that well.

Likewise it seems that US bluechip equities are considered overpriced and have less room to grow. They recommend small cap in the USA, since Trump says he wants to help local American businesses and even if that is not real, for half a year at least the "sentiment" will help propel small cap forward.

Japan seems to have a moderately positive outlook but I didn't do much reading.

Asia/APAC is said to have medium rate of growth with moderate volatility, while Emerging Markets in general are said to have medium-to-high growth rate with high volatility.

maybe you should have a go st this article to help you

https://secure.fundsupermart.com/main/artic...articleNo=12128

all I can say is this.

so what do we do?
diversify your portfolio.

i heard from CIS it's difficult to do inter fund house switching for PRF, lots of form to sign. Anyone has experience?

I've only done intra switching for PRF, previously need to send in form, now can be done online

This post has been edited by repusez: Dec 30 2016, 09:47 PM

I switched From: Affin Hwang PRS Growth Fund
To: AmPRS - Asia Pacific REITs - Class D

1. Mid Dec 2015: The request (form couriered over to FSM) was done in around mid Dec

2. Dec 30 2015: FSM --> Fund house

3. Mid Jan 2016: Affin-Hwang PRS / FSM sent me an email that it was "disposed" with some cost

4. 02 Feb 2016: Till date, no info from AmPRS REITs side + online, my FSM a/c still shows Affin-Hwang PRS Growth
Emailed FSM and was advised on Item (2.)
+
"Generally, the transfer request will take about 2 months time to complete. Thereafter, the fund will reflect in your holdings."

5. Mid Feb 2016: Finally saw the purchase of AMPRS reflected in my FSM A/C, effective NAV date purchased: 20/01/2016
VS
"booked" sold date NAV for Affin Hwang PRS Growth Fund: 12/01/2016

Hope the above helps manage your expectations.

Is fixed income fund better than FD? I saw someone on v16 mentioned that. If so, why? Anyone can explain to me?

depending on what you seek...
both have their own pros and cons...
ex...
Pro FD
can know the "gains" upon maturity

Pro FI
possibility to gain more than FD, but there is also a risk of losing to FD
most of FI funds got no lock in period....FD got maturity date

try this?
https://www.google.com/?gws_rd=ssl#q=fixed+...+fixed+deposits

while we are out and about talking about chasing returns and capital appreciation, public mutual on the other hand.....




Interestingly enough,

the Ytd for public savings fund is - 6.33% and we haven't talked about their management fee and agent fee yet. current management fee on fund factsheet is 1.50%

where as public focus ytd returns is hovering at - 5.71%

public Islamic savings fund
-5.03%

PB growth sequel fund
-9.41

lol seems like public mutual is trying to blow its trumpet by saying look at our dividends!

This post has been edited by Avangelice: Dec 31 2016, 12:36 AM

Correct me if I am wrong but dividends for variable price funds seems just like pure BS, no? Cause if there was a RM0.02 dividend, it's a norm for the NAV/unit price to drop by that exact same amount. Of course that is balancedby reinvesting the dividends in more units, such that the total NAV before and after dividends is basically the same.

At least this was my observation after studying the variable price ASN 3 fund.

exactly my point. dividends don't make a single ding into your investment when your NAV drops but public mutual sought to publish this in the star in hopes some poor sod will read it and call them next Monday and agent will sign him up.

if he just went through Bloomberg for 5 minutes he would have noticed if he invested in the funds back in 2015 he would have noticed that losses were made continously until 1st January 2017

lest we forget there's a management fee and agent fees that need to be subtracted.