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 FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

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voyage23
post Dec 20 2017, 03:41 PM

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Just topped up another RM1000 into IDS.

Hopefully all these will turn out well in 2018.
voyage23
post Jan 6 2018, 12:15 AM

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My United japan fund been climbing steadily up. biggrin.gif
voyage23
post Jan 6 2018, 12:22 AM

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QUOTE(Aurora Boreali @ Jan 6 2018, 12:21 AM)
Is this the one where you have to be a high net worth individual to be able to buy?
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It is classified as that but actually anyone can buy that fund as long as you’re comfortable with the initial amount of rm10k and subsequent of RM1k. For me I don’t Top up this frequently because then my bullets will finish too fast. Haha
voyage23
post Jan 18 2018, 09:19 PM

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QUOTE(Ancient-XinG- @ Jan 18 2018, 09:12 PM)
nope.
platinum is just a status.....
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The status comes with reduced sales charge just in case you didn’t know.
voyage23
post Feb 7 2018, 09:41 PM

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QUOTE(Ramjade @ Feb 7 2018, 09:27 PM)
When there's super sale nothing is spare.  Not even good funds. thumbup.gif
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Please let us know when you actually decide to fire your bullets! So that all of us know it's a MUST GO IN time. rclxms.gif biggrin.gif
voyage23
post Mar 27 2018, 09:30 PM

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Did anyone check out the latest Lippers Award Winners for 2018?

Lipper Award Winners 2018

Quite dominated by Eastspring and also Public Mutual. PM despite being bashed heavily here, do have some pretty good funds. If only they were distributed by FSM.. but they are not, so with the sales charge they are not comparable to their peers in FSM/eUT platform anymore.
voyage23
post Jun 28 2018, 10:26 AM

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I have pulled the trigger to top up into Manulife Dragon.
voyage23
post Jun 28 2018, 12:48 PM

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QUOTE(Ramjade @ Jun 28 2018, 12:24 PM)
No point tax relief RM3k when it's giving FD only rate or (-)  rate.
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This response is so doh.gif doh.gif Maybe your income level is not there yet.

Tax relief is the main attraction of this scheme, without it, it's nothing. Because it locks the money down till retirement age.
voyage23
post Jul 6 2018, 04:33 PM

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FSM has an article promoting both of Interpac's funds. Both also delivered highest return in 1 month.

Anyone jumping in? wink.gif
voyage23
post Jul 6 2018, 08:09 PM

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QUOTE(howszat @ Jul 6 2018, 07:40 PM)
To keep things in perspective...
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So this graph only shows that we have sort of hit the bottom for this fund right? tongue.gif
voyage23
post Aug 4 2018, 05:09 PM

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QUOTE(Ancient-XinG- @ Aug 4 2018, 03:28 PM)
it's focus on mainland. A Share.

it's a new fund.

it's either up or down.

I will tell what analyst tell you.

" cn have been having good fundamental across the horizon. be persevere in your holding. current trade war had bring down all the eq fund. cont DCA to leverage the holding. make it supp part not exceeding 10%. the a share is cheap now. future is good. ut is for mid to long term "
and if you have their managed port.

they switch like mad.

PPPPFFFFFTTTTTTTTT
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Can you calm down? You have been in this forum for long enough already but still reacting like a newbie. I miss good old days of level headed people like Xuzen PinkSpider etc.

Nobody promised you anything in investment and this is the risk you have to take. If you can’t take, please stick to ASNB funds. Correct me if I’m wrong, but have you ever held a fund for long term before judging it? Because unit trust is meant to be like that. Not freaking out at every single movement omg.

Yes you pay some amount for the managed portfolio but are you giving them enough time to prove themselves? Or are you expecting immediate magic results in this volatile environment? Would you have done anything better yourself? The idea of managed portfolio is for those that DO NOT want to monitor anything themselves but they just want to invest. Expecting them to do magic just because they are analysts and you are the client is unfair to them.
voyage23
post Aug 8 2018, 01:52 PM

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QUOTE(yageosamsung @ Aug 8 2018, 01:22 PM)
hello guys...
I am not sure is it suitable to discuss PRS here, but would like to ask is this PRS - (CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity - Class C) still good to go this year?

TQ
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My personal preferred choice of fund as valuation in the Asia Pacific ex-Japan region to me is attractive.
voyage23
post Sep 7 2018, 08:07 AM

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Contrary to most people here, I just topped up into Manulife Dragon Fund and Ponzi 2.0 PRS. If I don't buy when it is at historical low then it's no longer "buy low sell high". But it's worth noting that I am only at my late 20's so I won't be using this money for a long long time. (House, wedding, car - settled)
voyage23
post Sep 7 2018, 08:41 AM

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QUOTE(MUM @ Sep 7 2018, 08:24 AM)
may I ask why Manulife China and not the more mentioned here like Cimb Greater China or EI dinasti?
is it for the ease of moving between China and India when opportunity available?
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To be honest I did not have any brilliant reason why I opted for Dragon fund but I already had CIMB Greater China on my wife's port so I just wanted to try a different fund and capture the growth (and also volatility) of a new fund.

I am quite valuation-driven so I will put my money on where I think the valuation is attractive. Hence China and Asia Pac. I have also disposed off India recently and did not touch US (hence missing out on the growth recently as well).


voyage23
post Sep 13 2018, 12:14 PM

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Only one-off PRS lesser than RM3K is double-digit green but hyperbole to try to prove your point.

The easiest way is to show us your portfolio censoring the sensitive information? What about other funds? Lol.
voyage23
post Sep 27 2018, 10:21 PM

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QUOTE(xuzen @ Sep 27 2018, 04:11 PM)
» Click to show Spoiler - click again to hide... «


The above is a question asked of me in my PM, and instead of answering him or her alone, I might as well share my thoughts on this matter.

Here goes:
If you have seen my latest Algozen™ ver four reading, you'll notice I have gone defensive, with 20% US, 25% M'sia Large Cap, 25% REITs and 30% MYR denominated Corp Bonds.

Now on what the stock market will be like, here are my train of thoughts.

PMI is a measuring index for factory productivity. A reading above 50 means that there is expansionary activities in factory production. So far the readings are all above 50 in US, China, Europe & Malaysia. So with all these trade war going on, why are factories still experiencing a increase in order and production? This is a classical case of FEAR & GREED overriding RATIONAL thoughts. I got this info from Phillip's in house analyst report.

However do note that the reading of PMI have generally dropped slightly compared to previous month. This means although there is expansion, it could be heading to a plateau, but definitely is not coming down.

The non-farm payroll in US has increased. And the job or unemployment in the US is at all time low. This means, people have jobs, lots of it... and when people have jobs, it means they have money to spend. When they have money to spend, inflation increases. When inflation increases, the central bank must increase interest rate to balance it, this is classic textbook finance theory 101.

In the US, employment is great, people have money to spend, Trump administration has reduce corporate tax which means most company will post greater profit before tax... hey, things are great there. Why would smart money expose to risk in emerging market when US is offering such good deal? Now you see a clearer picture why emerging market is experiencing a sell down recently.
Back to the question if everything is great why Algozen™ ver four goes defensive? It is because of how algozen is written. It dislike volatility and punishes volatility. Although the underlying fundamentals are great, the market is volatile and she naturally will favour a defensive position foregoing potential high return.

For those who is asking me what region I favour, don't have to ask me this question again coz' the answer is exactly how I position my portfolio. In other words, I put my money where my mouth is.

Xuzen
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Good to see you posting some of your thoughts again with some economic theory and not emotional rantings that we have been seeing of late. Just some questions:

1) What do you think of Malaysian Small Cap? Surely valuation wise it is rather attractive?
2) REITS are not expected to perform in an environment of interest rate hike (US, HK) etc.. Still maintaining the same allocation?
voyage23
post Oct 9 2018, 09:25 PM

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QUOTE(Ancient-XinG- @ Oct 9 2018, 07:48 PM)
why only India.

IMO, all Asia Pacific!!!
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I am not a great fan of India as well at this juncture precisely due to the premium valuation. However all Asia Pacific?! Where else would you be putting your money into now? US? Lol.

Maybe that's why buying low selling high is extremely hard for most people. Emotions eventually will take over.

If you have a long investment horizon, why are you jumping up and down and shooting FSM?

Just topped up Manu Dragon and Ponzi 2 PRS. The valuations of these 2 markets are too attractive to ignore right now. As long as I have time, I believe China and Asia Pacific are still the regions to go to now.

Looking at these 3 regions when I have more bullets:
1) Greater China
2) Asia Pacific ex-Japan
3) Malaysia small cap
voyage23
post Oct 19 2018, 10:48 AM

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Ok Ramjade you disagree with everything but can you agree that it's "sitting" not "seating"?

Anyway I believe if you are in it for the long term, it is time to reposition ourselves to go overweight on Asian equities to take advantage of the eventual rebound. No other region is as tasty at this now.

It is in good times that you should park your money in ASNB, definitely not now when everything is dropping. Unlesss if you're trying to win the iphoneX...
voyage23
post Oct 19 2018, 10:57 AM

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QUOTE(Ramjade @ Oct 19 2018, 10:55 AM)
Don't worry. China will lose the trade war. When China loses the trade war,  expect another wave of sell down. So what's the hurry? Let them draw out the fight. When they lost, all you need to do is go and pick what you want.

They my dear friend are still not tasty enough for me.

If you don't want to wait for trade war,  wait for feds to keep raising rates. Will come a time when interest rate is too expensive to service and more companies will default payment and set off a chain reaction.

An iPhone X is like a bonus to me. If I win, I sell it,  pocket the cash.
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"China will lose the trade war."

Must be reading a lot of CNN, BBC, CNBC, Bloombergs and whatever the angmohs write. People that sell flower will always say their flower is fresh.
voyage23
post Oct 19 2018, 11:17 AM

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QUOTE(Ramjade @ Oct 19 2018, 11:03 AM)
Look at it this way,  China have less things to tax US than the US have to tax China. US can keep taxing china while there's only limited things China can tax US. Why do you think USD is gaining ground while china yuan is dropping?

So by making things difficult for China, China economy will have to give. No demand for China stuff. China will go into recession or economy slow down. Basic economy.

Whoever loses trade war,  you can go pick up what you want at cheap price. Be it US or China. I am with US on this one as odds favour US heavily.
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So you think the major problem for that is about trade? Then you are equally as hypnotised as the media. Can I just ask you one question. Let's say IF US were to impose tax on ALL Chinese products to US, what would be the impact to China's GDP? And at what rate is China's economy growing?

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