LOL! Lu tak tau ada distribution meh? Ha ha ha ha......

This post has been edited by xuzen: Jan 23 2017, 11:05 PM

Hebat lah engkau nih! Terbaik!

Xuzen

I allocate:



Xuzen

Xuzen



This post has been edited by xuzen: Jan 24 2017, 03:17 PM

Garenti baguz punya!

This post has been edited by xuzen: Jan 24 2017, 08:52 PM

Xuzen

Let's start with the notion that all rational investors wants the best return for the least risk they take... correct?

Hence to get this best of both world, a bit like getting a good Wahgyu Steak at McDonald price....

You need to use ROI / Volatility also known as "risk to reward ratio".

The larger the number the better. In this way, Ponzi Two is better compared to Ponsi 1 with a better risk to reward ratio.

For EI GEM, using the same argument... well, since there are only two global emerging equity unit trust fund in whole of FSM inventory, namely EI GEM and AM GEM, which both sucks, personally I would stay away from global EM equity as a whole.

I want to eat Kobe beef paying McD price!

Xuzen

This post has been edited by xuzen: Jan 24 2017, 09:19 PM

For CIMB Titan fund, it is made up of three area namely US + Eurozone + Japan.

Out of these three geo zones, only US is seeing a positive growth. Hence this fund is basically being prop up by the US component. If this is the case, better go Manulife US equity to get the best deal!

Xuzen

I guess so. But remember RHB EMB fund is pure fixed income. It is not equity.

The following is what I know from what I have read and followed from media sound bite:

When Trump won POTUS back in Nov 2016, there was a massive exit from EM Bond to US equities. This sell down pushed the price of the bond down and yield up. EM Bonds are usually rated almost like junk bonds with very high yield.

I am not sure whether the smart money has return to EM Bond yet, but the POTUS result presented a buying opportunity back then. I did not go in immediately because I wanted to see the numbers first. Now the numbers have shown a entry signal as far as Algozen™ is concern.

Xuzen

My port went south on two occasion: The early 2016 China circuit breaker fiasco and the Trump POTUS black swan event.

It is still positive albeit single digit because I went cash heavy after the China fiasco and DCA back slowly up to Trump.

On single fund ROI, there are two funds that gave me double digit ROI in 2016 are TA GTF @ 18% and Manulife India @ 12%. As for RHB AIF @ 7%.

But knowing my port is mixed asset port, it will never be 20% since I did not go all out equities. I always balance between ROI and Volatility. There is always a compromise between speed and safety.

Xuzen

This post has been edited by xuzen: Jan 24 2017, 11:14 PM

Xuzen

go invest in skim cepat kaya!

See! I always keep my port to around four unit trust fund only. Somemore a few heroes here got nine or ten funds, thinking they are playing Pokemon gotta catch em' all meh!

some of us are in this SH1T longer, some less.

some have eaten more SH1T than some have eaten salt.

Hence those who have eaten more SH1T can bullsh1t more lah!

Happy Chinese New Year, Kung Gei Fatt Choy, Sum Siong Si Seng!



Xuzen

I have read that paper. What I want to say is that the articles are written with commercial intention. Why do I say that?

If you'd notice, all the UTMC points are in reference to the funds that they purvey. Hence, I would be so bold to say that the writings are tinted with commercial intent, which there is nothing wrong as UTMC are purely commercial entity. Hence it is our consumer / end user using our own wisdom and peer review to sort things out.

As a user or consumer of the unit trust product, I do not have commercial intent when I write my opinions since I am a user, not a sales man. Take cognizance that I am a human / regular Joe investors. I do not cover up my portfolio with wonderful marvelous return. I tell it as it is. Unit trust fund is not a guarantee product, it is an investment product that comes with risk, albeit less risky than other products. Hence noobies should be mindful that you are participating in an open market risky environment. However, the good news is that unit trust is a very regulated product.

p/s For those who remembered, 2013 to 2015 was the year of M'sia equities. You got consistent double digit growth didn't you all? Now? They suxs don't they. The point is, what is good may not last forever and what is bad also do not last forever. If you participate in the market long term, then you would know the trend and flavor. If you are those who come in hit and run, hoping to make some fast money then retreat into your cave, then sorry to disappoint you. Timing the market is the wrong way to go. The time spent in the market is the way to go.

Xuzen



Even mathematically it is shown that by chasing return, that is, ROI is only linearly correlated. Whereas, time spent in the market with the power of compounding, the Future Value of your investment is exponential. So, this is true, investment is less about chasing return but more about staying invested for the long term!

This post has been edited by xuzen: Jan 25 2017, 12:44 PM


Attached thumbnail(s)

Xuzen

Samsung Note 5. He he he

Pokémon player?

CNY mood already... things have quiet down at work a bit. My staffs are eating keropok / mandarin oranges and biscuits liao.



This post has been edited by xuzen: Jan 25 2017, 03:15 PM

I am in the Home DIY business. At this time, customers are busy making kuih-muih liao or busy buying food related stuff. Those who want to do fix-it-up, would have done so last two weeks, which was my peak season.

No, I have not read Benjamin Graham's titular book. I am a student of Prof Harry Markowitz. You heard of him?

Xuzen

This post has been edited by xuzen: Jan 25 2017, 04:40 PM