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

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Ramjade
post Feb 21 2018, 05:58 PM

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QUOTE(tonychua628 @ Feb 21 2018, 04:52 PM)
Hi all sifus and senior, where can I see the price movement of unit trust? Try searching at Google but it show yesterday price
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You can try to see the price base on the index/ETF which track the index.

Why is that so? A UT is basically a basket/collection of stocks. How the fund perform will more or less be depend on the index which it try to beat. If the index drops by x%, for a good fund you expect price to drop by <x%. If the fund is worse, it will drop by >x%
Ramjade
post Feb 26 2018, 06:50 AM

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QUOTE(vmt @ Feb 26 2018, 01:42 AM)
I have a general question regarding unit trust funds.

In the event of a market crash, can the fund manager sell off everything and hold cash? Or because they have to follow a mandate, for example '...invest minimum 95% in a certain market/sector', so they die die have to hold even though they know it is better to sell off before it gets worse? Will they? Any incentive for them to act in the investor's interest? It is not their money at stake anyway.

Subsequently, what will happen if they do so? In Malaysia for example, market is small, and many stocks' substantial shareholders are institutions, most of them are these unit trust funds. When they do massive selling, will they cause panic in market and lead to further sell down? Did this ever happened?
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Of course. Take a look at the recent 10% correction. You see all fund took a nose dive. Some fund have mandate to hold cash, some can only hold say 40% cash, others don't.
Ramjade
post Mar 3 2018, 03:52 PM

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QUOTE(yklooi @ Mar 3 2018, 02:17 PM)
just for perspective.....
from Dec 14, 2016 till Dec 13, 2017,
the FED rate had been up 4 times from 0.75% to 1.5%....
so in the year 2017, it goes up 0.75%....
did you UT investment portfolio goes up with interesting ROI in 2017?
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Because that time rates still low. Now with treasuries rates reaching 3%, people are starting to realise interest rate is on the high side

Why do you think there was a recent sell off early this year? With low rates which encourage uptake of debts, the time will come to pay it's dues.
Ramjade
post Mar 5 2018, 11:16 AM

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QUOTE(ruffell @ Mar 5 2018, 10:43 AM)
Dear All,

I want to ask your opinion and experience on CIMB Asia Pacific Dynamic. There are two type, MYR and SGD hedged. The SGD hedged is superior in terms of return than MYR but what are the costs ie exchange rate charges from MYR to SGD during buying and charges from SGD back to MYR during selling?
Which one you think better MYR or SGD hedged in term of return - total costs?
Thanks
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Avoid buying foreign denominated funds from FSM. Their exchange rate is very unattractive

This post has been edited by Ramjade: Mar 5 2018, 11:16 AM
Ramjade
post Mar 6 2018, 11:52 PM

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QUOTE(yageosamsung @ Mar 6 2018, 05:30 PM)
Thank you guys....
yes... I am saying the Manulife Asia Pacific Income and Growth Fund... sorry for the missing word.

From my allocation on Equity (Asia Ex japan),
Affin Hwang Select Asia (Ex Japan) Opportunity Fund - 83%
CIMB-Principal Asia Pacific Dynamic Income Fund - 17%

Any advice?

p/s: Equity (Asia Ex japan) is 32% out of my total UT investment.

TQ.
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Pick one. No need to split into 3 funds
Ramjade
post Mar 8 2018, 02:40 PM

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QUOTE(Streetrat @ Mar 8 2018, 02:20 PM)
Quantum, Japan & India really  bangwall.gif

Been waiting for Quantum to rise back up and sell it, but seems like its going down even further. vmad.gif
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Your Japan is bad? My Japan is what's keeping my funds afloat. biggrin.gif
Ramjade
post Mar 8 2018, 04:48 PM

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QUOTE(funnyface @ Mar 8 2018, 04:05 PM)
what?
[attachmentid=9641016]
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QUOTE(i1899 @ Mar 8 2018, 04:31 PM)
rclxub.gif

United Japan Small and Mid Cap Fund
UJSMCJP:SP
YTD RETURN
-3.29%
United Japan Discovery Fund
UNIJPDH:MK
YTD RETURN
-2.58%
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11%+ gain in less than year. biggrin.gif
United Japan small and medium fund.

This post has been edited by Ramjade: Mar 8 2018, 04:49 PM
Ramjade
post Mar 8 2018, 09:40 PM

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QUOTE(WhitE LighteR @ Mar 8 2018, 07:10 PM)
Another disappointing fund recently is Manulife REIT.

3y years chart n below all show crossover to downtrend.

[attachmentid=9642353]
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Interest rate is increasing what. All reits on SGX experienced a sell down but not to low level as last Nov.

QUOTE(BacktoBasics @ Mar 8 2018, 07:37 PM)
My whole portfolio bleeding like mad. Especially my India manulife fund at negative 10% .
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Never concentrate too much money in one fund. My India still 2%+. Only down about 3%.

QUOTE(xcxa23 @ Mar 8 2018, 08:27 PM)
not surprising.. giving so much market volatility
imo, still more to come.. brave urself for the ride yo brows.gif

DIY -2.40
MP -1.85
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Mari. Mari. biggrin.gif

Ramjade
post Mar 8 2018, 10:48 PM

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QUOTE(5p3ak @ Mar 8 2018, 10:13 PM)
Curious why 10 years = 1 full cycle?  hmm.gif
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Because economy cras/reset happens once every 10 years.
Ramjade
post Mar 9 2018, 08:12 AM

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QUOTE(ssl_lim @ Mar 8 2018, 11:42 PM)
Serious? Then need sell off all UT although still lost..I bought it start end of last year sad.gif
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Bull run already entering year 8 (since 2009) cause US govt pump money into the system. Only a matter of time before artificial Pumping of money will show it's true effects.

The heat is showing with interest rates rising. Many who took on debts during cheap money when interest rates keep increasing.
Ramjade
post Mar 9 2018, 11:35 AM

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QUOTE(wongmunkeong @ Mar 9 2018, 09:32 AM)
for sure economy will crash/reset ngam ngam every 10 years?
not 12 years? not 6 years? not 15 years?

if yes, i gotta get me that crystal ball of yours  laugh.gif
else
maybe it's NOT a sure thing and especially NOT ngam ngam every 10 years 
just clarifying for the sake of those who bulat bulat telan brows.gif
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Not tepat 10 years but more or less close to 10 years tongue.gif


QUOTE(MUM @ Mar 9 2018, 11:23 AM)
lets the trills ride begins.....
U.S. President Donald Trump pressed ahead on Thursday with import tariffs of 25 percent on steel and 10 percent for aluminium but exempted Canada and Mexico ...
"If you don't want to pay tax, bring your plant to the USA," added Trump, flanked by steel and aluminium workers.

Plans for the tariffs, set to start in 15 days,

https://sg.finance.yahoo.com/news/trump-set...--business.html
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Bagus. Mari. Marie.

QUOTE(wongmunkeong @ Mar 9 2018, 11:25 AM)
psst.. it's a good thing, else people like us can load up properly
don't let the cat out of the bag bro  tongue.gif
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Precisely. My cash all rotting away.
Ramjade
post Mar 9 2018, 02:06 PM

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QUOTE(Ancient-XinG- @ Mar 9 2018, 02:05 PM)
managed port

-1.8%

kgf from 14 to 8... hmm.

where is the CNY and GE factor....
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CNY and GE factor loses to US forces.
Ramjade
post Mar 9 2018, 09:29 PM

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QUOTE(i1899 @ Mar 9 2018, 06:05 PM)

Invest in stock/UT using money that u won't need for at least 2-3 years.
If that money can stay inside market for at least 1 full cycle (10 years) is the best lah.


The important point here is not how long is the full stock market cycle, but the main point here is that stay LONGER in market for AT LEAST the WHOLE cycle.
Anyway, historically, stock market's crash* MOSTLY happens every 10 years***.

* In economic terminology (i studied Engineering, info below are from my side readings),
- crash :>20% drops in relatively short period (around 1 week).
- bearish/recession : >20% drops from the peak, and stays for > 2months
- correction: 10% to 20% drops from the recent peak.

*** Recent market crash events:
- 2008 Global Financial Crisis
- 1997 Asian Financial Crisis
- 1987 October 19: Black Monday
Don't misunderstand...

In long term, market performs as big up-trending sinusoidal wave.

The reason to stay LONGER in market for AT LEAST the WHOLE cycle is:
- if u bought near peak, u can sell near the NEXT peak which u will have chance to meet if stay in the whole cycle. Imagine the up-trending sinusoidal wave....
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Unless you sell at buying price tongue.gif
Ramjade
post Mar 10 2018, 10:23 AM

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QUOTE(Ancient-XinG- @ Mar 10 2018, 08:01 AM)
they aren't honest. I see the month to statement also I boil. say like themselves so saint. only .9 even market bear
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You do know from statement date to real report, there's a lagging period right?
Ramjade
post Mar 13 2018, 10:26 PM

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QUOTE(john123x @ Mar 13 2018, 05:09 PM)
Guys, nowadays i am thinking of investing at UT that tracks s&p500 or DJIA.

Any idea? Preferably in MYR currency.
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Avoid. Better for you to buy the index itself. You can buy it yourself for free. Use 8 securities. Zero commission.
Ramjade
post Mar 17 2018, 07:42 PM

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QUOTE(john123x @ Mar 13 2018, 10:29 PM)
i googled it up and found this link:
https://apenquotes.wordpress.com/2017/10/10...e-8-securities/

quote from the comment section

the wire deposit fee, sounds exorbitant....
btw, i search at fsm sg using the fund selector (dont select etf, select unit trust, i always select etf), and at last i found it UT that tracks s&p 500.
https://secure.fundsupermart.com/fsm/funds/factsheet/370283

too bad, its for SG only....
suddenly FSM SG looks quite attractive
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Sorry for late reply. Extremely busy. That's wire charge by the bank. Can't do anything. The only way around it is
1) open bank account in that country you want to invest
2) open a good cheap international brokerage account (nothing that our Malaysian broker or SG broker have)
Ramjade
post Mar 23 2018, 01:25 AM

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QUOTE(WhitE LighteR @ Mar 22 2018, 12:26 PM)
What u guys think about the future potential for Manulife REIT and AmAsia Pacific REIT?

They look to have taken quite a beating this year, albeit expected to.

Will those that still holding this funds continue to top up or wait for some sign of recovery first?

What is your opinion on this?
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QUOTE(Ancient-XinG- @ Mar 22 2018, 12:37 PM)
I did ask CIS. they say 2018 better not touch reits.
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Not if you are holding reits for dividends as price drop doesn't matter. It just means higher dividend. Different story of you are holding UT reits.
Ramjade
post Mar 23 2018, 08:34 AM

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QUOTE(MUM @ Mar 23 2018, 05:14 AM)
hmm.gif ....maybe my mind is too shallow...but i find it  rclxub.gif

"Not if you are holding reits for dividends as price drop doesn't matter."
......if one is holding stocks includes Reits as and investment portfolio....if the price of shares includes Reits drops...will it not affect the total value in his portfolio thus affected the net worth of the individuals just like the net worth of the UT fund?

"It just means higher dividend. Different story if you are holding UT reits."
.......If stocks or Reits pay higher dividend to holders....they don't pay the same rate to UT funds that holds them?
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Stock dividends are real cash Which will enter your bank account/pocket. So if price drop, time to buy more at cheaper rates. Which means you get more shares for the same money you pay. As long as you are not panicking, the dividends will continue to come in. Hence you are a able to pump back those dividends into the stock of your choice.

Dividend from UT on the other hand are not real. It's left pocket, enter right pocket.

QUOTE(MUM @ Mar 23 2018, 05:23 AM)
you guys (above posts) just mentioned it yesterday.....now see what the markets did  ranting.gif  console.gif

The Dow plummeted 724 points, or 2.9%,...... It was the fifth-largest point decline in history and the market's worst day since the extreme turmoil of early February.
The S&P 500 dropped 2.5% and the Nasdaq 2.4%.

2017 was thinking that it will be the beginning of the road to wealthiness  biggrin.gif
Feb 2018...the coming of the beginning of the end my wealth?  devil.gif

hmm.gif luckily i am on pills....blood pressure control pills.....maybe it is time to double the dosage  shocking.gif
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Mari. Mari.

QUOTE(wongmunkeong @ Mar 23 2018, 07:46 AM)
get the keys to the truck mum..
it may be time to load up soon tongue.gif
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Agreed.

QUOTE(WhitE LighteR @ Mar 23 2018, 07:53 AM)
Expect today to be a blood bath...
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Mari. Mari.

QUOTE(kenny79 @ Mar 23 2018, 08:05 AM)
Did this round dip is main cause by the trade wars?done drops 2.x %.... China also tariff USA item about 3b... what next.. damn trump
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Woohoo!!!
Ramjade
post Mar 23 2018, 02:06 PM

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QUOTE(Ancient-XinG- @ Mar 23 2018, 01:56 PM)
buy in during dip.

but now dip x4.

if x2 ok.

where got enough money buy x4. even if buy you will be having trust issue. will it be dip x5 or x6?

when buy in during x4, even cant cover for the lost in x3.

sometime I always wonder. those who call people to chip in, do they actually chip in or just hoo haa hoo haa here.

like last call, for call to buy in IDS. end up really got people buy in and after that free fall till now. that culprit now gone lol.
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Never follow people. Always buy what you are comfortable with.
Ramjade
post Mar 28 2018, 10:54 PM

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QUOTE(MUM @ Mar 28 2018, 03:09 PM)
fed raise rate means the economy is good no?
bank sector will be good and some sector will be bad.....
thus not all things are bad...
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When interest increase, cost of borrowing up goes up. Companies will need to cough up more money just to service loans. Which means less money available for expanding business or paying out dividends to investors

QUOTE(Avangelice @ Mar 28 2018, 05:00 PM)
ETF is now available on the Malaysian stock market. looks like I may be switching everything to ETF
ramjade have a look at it?
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Got S&P500 or not? Got charge dividend fee + maintenance fee or not?

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