"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:
[attachmentid=8333515]
https://docs.google.com/spreadsheets/d/1BYt...dit?usp=sharing

If you start with 10k, and end with 10.6k, how can that be a 112% profit?

Exactly.. some people are already calling it 112℅ profit with very, very few exceptions paper loss is not real loss, otherwise no one would bother to invest at all.. with diversification and time.. there is almost zero chance of losing money long-term

But if you keep switching.. you have 100% chance of losing money. People invest because they can make money long term.. if you look at the long term charts.. you will see that pretty much every fund makes money in ten years' time.

Diversification and time. That always works.

So few people took up the challenge to update?

I usually don't do this, but why not right?
For the portfolio I manage for mum that I did after learning from my past mistakes
IRR to-date is 6.56%

It's a 60 EQ: 40 FI portfolio; all funds are in the black except EI SC; best performer being RHB ATR which I'm in the midst of moving to select bond; followed by Global titans fund
1.5 year old but the IRR would resemble annual ROI as profits would be manually 'distributed' on annual basis before CNY

That explains.. u have fund bleeding badly too huh?

mind telling this IRR & ROI is for how long a duration?
less than a year?

I am currently underweight in US, global funds and Europe. Thus my decision to top up. I am not chasing hot funds or doing trend trading. I don't have the expertise for that. Just diversifying.

no follow"rules" portfolio after  >3 yrs...

LOL not really.. see commissions are Rm8.. so you have to buy like Rm8000 worth of shares to optimize for cost. Let's look at the price of say IGBREIT. Last done is maybe 1.72? ok so at that price, you will need to buy 4,651 shares am I right? 4651 shares is 46 lots.

Now when the market opens on Monday, look at the sell queue and see how many lots there are being offered. You'd be lucky to be able to buy 30 lots without moving the price. To make any serious money, you'd have to move like 50k-100K, otherwise there's just too much risk, you can't buy enough at a low enough price to make anything worth the risk. Some wise guy who shall remain unnamed said just buy it all If you have any experience I don't have to explain to you what a liquidity trap is no one benefits from you creating an artificial price bubble in any stock

You are never going to get a good price for high volume trading REITs on Bursa, this is why we have to do UT.. 100K, 200K does not move the price at all we don't end up splashing the water and getting everyone wet

And no, 50-100K ringgit is really small scale, HNWI are people who make that much in a month there's that other guy on here tha t has 200K+ in UT, even that is not really HNWI. You can see the conditions when you try to view any wholesale funds in FSM.. those are HNWI qualifications

Ok let's try this analogy :

You have ten widgets on sale. Price is Rm10.

Someone comes along and takes all ten and says, I want 300 more. Now you don't have any more, but you know someone who does. So you call him and say, this guy wants 300, you have 20, do you want to sell it to him? and he says.. I dunno, I wasn't thinking of selling, but maybe at the right price.. so what do you want to do if there are no sellers and you want a widget? you have to raise the price. You say maybe Rm12, and he says ok, now he sells you 20. Now you have 20 at Rm12. But you still need more. So what do you do? no one will sell you any more at Rm12. So you have to raise the price again. When will this end? I've never stopped to find out. My guess is at one point, you will be holding a lot of shares, that no one will want to buy from you in the future because no one but you just bought them at those prices.

This is what I mean..probably not the correct term, but I don't know what the exact term is. This is what I mean :

http://www.investopedia.com/terms/t/thinmarket.asp

The prices can jump up and down a lot, and the spread is nuts. Volatility is totally off the charts.

UT REIT investors are not in the local market much. If you look at AM Reits for instance, the top 5 are not local. Manulife's top 5 are Singaporean. It's pretty much impossible to have a local REIT fund, at the most you can just buy a little for diversification purposes.

I don't know what would happen if anyone suddenly decided to offer to buy 500 lots of IGBREIT. I'm guessing by the time it is done the price would be some crazy figure

on this
my answer is here...
so it is a yes...

Yes bro because I think I am older and have been working longer than some of the investors here.

No my friend. I am not a platinum member.

And RM400 per day is not sustainable. The market correction will come. The question is when.

Eh, I am surprised that the forumers here remember what I posted before. Sadly my FSM portfolio will never reach sustaining mode in the absence of index funds.

I am in my 40's. This year mark the 20th year since I joined the work force in 1997.

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  ?

Well said, I have silai friend who has >1million and projected to have >2m in EPF at retirement freaking out about her retirement plans. All because of expected lifestyle 

p/s: whereas I'm chillax-ing despite not even having 1/3. Maybe I just don't plan well like the folks here

Well, IMHO, the "elderly" mid-late 30s & above, have already tried & tested what the youthful exuberant ones are now testing, hoping to find the "holy grail" of gaming the system.

Some of us (yes, the "elderly" here) have done lots "not-too-smart" (euphemism for stupid? ) stuff and now, looking back, with data & comparison in hand + having lived through 2 or even some 3 crashes, are sharing the "big impact" stuff to focus on. All in the hope that others do not suffer OR waste their youth on "not-too-smart" stuff. 

Things like stocks move faster but i've no $ to "play stocks", thus "play mutual funds" or trying to "game" the structure of mutual funds. Some of us have "been there, done that". For me, my take away for this is - "don't rush to be rich, may get run over by vehicles". Focus on what can be done, learn what is possible for future usage/growth.

Just sharing - no absolute right/wrong 

BTW - if U think a person is dang smart, he/she ain't. He/she has just been through more kaka, survived and learned from them. Those that didn't survive their kakas, they not around no more to "look smart"

Btw guys I found out why the KGF and Kapchai have got a good performance - the government is propping them up by investing in Small Caps. So even on days when the KLCI is negative, the small cap index is positive, which helps these two funds since they have a large allocation to small caps. Impressive performance nonetheless.

And as everyone here can see, January was a green month. Unlike Jan 2016, red month. A correction will come, even if it is not a total crash. I'm thinking the markets could run a bit higher before going down as the French elections get nearer if Le Pen is running close to the lead due to uncertainty, then boom again once she loses.

The US is unpredictable, it's likely going to yoyo about the current levels, or run higher then have a correction.

I read an interesting article saying that tons of people in Asia are sitting on cash, if there is a correction...these guys will likely come back in.

Final thing, local markets are looking good. Net foreign inflows of RM0.5b after mass withdrawals over the past few years. Local funds that were sitting with 20% cash have been using it up.

LOL! LOL!

Market good, all the mice come out to [s] play [s/] show off their portfolio.

Market kantoi, all hide under the tempurung!

Such is human nature.