I have a feeling he is all talk no action. Yes, in theory go down to SG open account bla bla bla... once in a while to visit Garden by the Bay or go to Sands for some happy times OK lar.

But to do that as routine? To save SGD 60.00?

He sees the "*50 cts coin as big as bullock cart wheel*".

*Same meaning as penny wise, pounds foolish in local lingo*

One day they may transfer your money out while you are stlll alive...it is a risk you will have to live with.

This post has been edited by xuzen: Mar 6 2017, 10:24 PM

For someone who can't even afford to deposit MYR 5,000 and yet make so much noise. (If he can afford more than MYR 5K, he would have at a snap of a finger go to eUT liao for 0% SC & no platform fee liao).

MYR 5K x 0.4% = MYR 20.00 per year. Instead go and choose to spend around MYR 400.00 per trip to SG to avoid platform fee.

Still cannot brain it

Xuzen

This post has been edited by xuzen: Mar 7 2017, 11:11 AM

PRS = dump in MYR 1K to get the govt free money. It is free money, so don't squander it.

Then stay away from it until you get taxed, then participate in it to get the tax relief. That is what PRS is good for.

Xuzen

If more than MYR 5K... eUt lor.

Part two:

Now, suppose the another fund has a lower volatility, say 5.12% whilst still having the same annualized return of 13.27%. This means that the new UTF in observation will still be considered normal behavior if she performs between 13.27 - 5.12 = 8.15% (worse case scenario) or 13.27 + 5.12 = 18.39% (best case scenario).

Can you now see that the new fund is "safer" in the sense, it does not drop so much in its normal behavior? You may argue, meh! It does not go up very higher either...

Nonetheless in the professional portfolio manager circle, they are trained to watch out for risk rather than return.

If you still buy the narrative that risk is a more important marker to watch, hence a professional portfolio manager would want to get the best bang for the buck or in this case, the best return for the risk taken. That is why the risk to reward ratio, that is return divided by risk is a good parameter to assist one to select a good UTF to participate in.

On the contrary, if one is a pure speculator, then one will be inclined to choose UTF that has very high volatility. Some UTF in the FSM universe such as RHB gold and general UTF has 30% volatility. Such UTF like this would be a punter /speculator choice UTF!

Hence, if you want to be a passive investor, choose low volatility, if you want excitement , choose high volatility.

Xuzen

p/s FSM - UTF... macam-macam ada.

This post has been edited by xuzen: Mar 10 2017, 04:23 PM

why u all tok bout me waifu?

RHB Bond or RHB Islamic Bond.

However, both are not under my consideration because has an exit penalty of 1% if less than one year.

Xuzen

Dulu ada Hang Hebat yang menyatakan ManuReits ada gaya, mutu dan keunggulan.

Tapi, gaya, mutu dan keunggulan ada risikonya.

Volatilitynya tinggi makna bila NAV turun, ia turun dengan gaya, mutu dan keunggulan.

Selina slow 'n' steady. Naik tak sebanyak, turun pun tak begitu gaya, mutu dan keunggulan.

Hang Xuzen

p/s

Ini bulan kasi enter Selina 1K, Esther 1K dan RHB EMB 2K.



This post has been edited by xuzen: Mar 13 2017, 11:02 AM

Y U so D1U wan? Got good substance awesomeness right in front of you and yet look left look right.

Wanna get tamparan buaya izzit?

Which one? UTF Gaya, mutu dan keunggulan or Selina

Wait and wait and wait... you think you buying stock market ar?

Xuzen

This post has been edited by xuzen: Mar 13 2017, 11:05 AM

What you say above does not commensurate with the figure shown in FSM website leh?

At one month history, Selina >>> ManuReits, meaning somewhere in early Feb 2017
At three month history, Selina >>> ManuReits, meaning somewhere in early Dec 2016
At six month history, Selina >>> ManuReits, meaning somewhere in early Sep 2016

Xuzen

This post has been edited by xuzen: Mar 13 2017, 02:58 PM

Sorry Kakak Adele123, referral token nih ape? Gua pakai wrap akaun, tak tahu fasal itu ape referral token, nijer trick etc...

Xuzen

You tired of promoting ASB loan liao at?

Xuzen

Yar... sounds a bit saccastic hor?

No lar, actually friend Haziqnet, welcome. Have a beer oren jus.

Xuzen

apa itu otai?

Lai lai, open mouth big big! It is Spoon-feeding time!



Not satisfied enough? Want some more? Here you go!

Xuzen

This post has been edited by xuzen: Mar 16 2017, 10:49 AM

In and out, in and out!

Ride em hard eh, Cowboy?

It is not an opinion nor an observation, it is a mathematical truth.