Fundsupermark sale charges is lower.1.75% bank up to 5.5% depand on condition ... If more then u invest with bank .. bank will lower the sake charges as I know 100k can get a sale charges on 2% with bank but at fundsupermark .. there are no condition u get the 1.75% sale charge

Btw, quite noob in this. May I know what is the % here means?

Example for Affin Hwang Moderate PRS Fund, does it means that it will return 11+% in a year?
https://fundsupermart.com.my/main/research/...tormaincode=All

well, i ask this coz new to this and abit doubting some fund get 25% more each year? that's quite good!?

Yes.  % here means if you put in money exactly one year ago (from the date of 11%) and didn't topup anything, you will get exactly 11%

Nov 2017 is a terrible month for my port. My port lost a few thousand.

TA Tech flat 

RHB EMB dropped 

ES Dinasti flat 

IDS heavy dropped 

Manureits flat 

Esther bond flat 

The worse performer is IDS followed by RHB EMB.

================

Going forward ===> Action for Dec 2017:

a) Add RM 500.00 to TA Tech

b) Add RM 500.00 to ES Dinasti

c) Add RM 500 to Manureits

d) Switch 100% IDS to Lee Sook Yee  UTF. Bye bye IDS 

Xuzen

Did a some tweaking with Algozen™ ver four recently.

Here are some salient points:

1) She is now in favour of Greater China and I used eastspring dinasti as the proxy for greater china exposure. If you like CIMB Greater China pun boleh jugak. 10% max exposure.

2) India is still a no - go. Zero exposure.

3) KGF versus IDS? Siapa menang? IDS menang @ max allocation = 15%

4) Reduce bond in favour of equities. What does this means? My personal interpretation is that you want higher return, you just have to take accept the  risk... the days of easy return with little risk is not there anymore. Initially my bond was at 40%, now I am reducing to 30%. Where does the 10% go to? To the reits.

5) I am increasing my exposure to Manureits. Why? I believe the Algozen™ ver four is telling me, reits is the new bond. Of course it is not as stable as bond, but remember this, she has to balance between stability and return. Hence reits is a good balance between the two. Manureits = will increase exposure to 25% from previously 15%.

6) TA Tech is still my alpha - maker. Was at 30%, now reduce to 20%. Where will the 10% go? It will go to Greater China.

7) Europe = still no buy signal!

8) Ponzi 1? Not under Algozen™ ver four radar. Risk to reward ratio does not reach threshold benchmark.

9) Ponzi 2? No corr-coeff data available from Morningstar. Missing data = unable to perform calculation, hence will omit this UTF from port consideration.

Xuzen

P/s to the newbies, the above is an extension to my previous crystal - ball reading. If you feel lost and blur - blur about it, it is normal. Ask specific questions and I will try my best to answer you with specific answers. Broad general questions, I try to avoid coz' wasting time.

Just for fun and to better understand why many forumers encountered losses recently, I simulated the Master Xuzen's Crystal ball (base on above post) performance using FSM portfolio simulator.



In above picture, portfolio #1 is mine, the portfolio #2 is Xuzen's. And, both of them is 30% FI and 70% EQ.

Obviously, the Master's Portfolio had been flat for 3 months, but with low volatility. If includes the sales charge/ switching fee, it is a loss.

My portfolio is too concentrate on Asia Ex Japan, making its higher volatility.

UT's volatility  is no joke, going up slow slow but
coming down can be such a great fall, and this is not even a  market crash
my portfolio lost almost RM10k in 3 weeks....
It was going towards 10% IRR now back to 8.8% IRR in 4 yrs.

once I have recovered all my current losses I'm going to withdraw all my funds and place it under managed

Nov 2017 is a terrible month for my port. My port lost a few thousand.

TA Tech flat 

RHB EMB dropped 

ES Dinasti flat 

IDS heavy dropped 

Manureits flat 

Esther bond flat 

The worse performer is IDS followed by RHB EMB.

================

Going forward ===> Action for Dec 2017:

a) Add RM 500.00 to TA Tech

b) Add RM 500.00 to ES Dinasti

c) Add RM 500 to Manureits

d) Switch 100% IDS to Lee Sook Yee  UTF. Bye bye IDS 

Xuzen

UT's volatility  is no joke, going up slow slow but
coming down can be such a great fall, and this is not even a  market crash
my portfolio lost almost RM10k in 3 weeks....
It was going towards 10% IRR now back to 8.8% IRR in 4 yrs.

wtf man..from rm900 earnings to -rm400 pulak..what happen to UT these days? invest in Bitcoin better.

looks like not only me lost a lot here....

do share your port for reference/study
my portfolio irr and roi both drop below 10%..


port composition:


my managed port(balanced) irr also dropped to just ~3%...but i just topped up a few weeks ago so maybe the xirr is skewed..

I goggled and some of these came up.....
warning signs before market crash
https://www.google.com/search?ei=XN4eWoKJCc.....0.lkGxEfGwDRA

this month's drop is nothing compared to First half of 2016.....

for those wgo have been there done that, stay cool!