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

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Ramjade
post Jan 25 2019, 10:24 PM

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QUOTE(xcxa23 @ Jan 25 2019, 10:04 PM)
he's happy.. thats for sure... lol..  imo, even if FD was 4% 10-15 years back, still the return on fd insignificant compare to the fund's return..
i kept saying, why la u keep so much on fd... if u put all, mah good la..  biggrin.gif

im hopping my holding will perform as good as his..
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Sometimes FD is better as you get to sleep better.
December with just an appetizer. Do you the guts when Dec is repeated on a much bigger scale where you see your holdings becoming -ve every day?

Do nothing, buy more, run and and hide. That's the true test.
Ramjade
post Jan 26 2019, 08:41 AM

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QUOTE(xcxa23 @ Jan 26 2019, 07:18 AM)
izit? im still slp as per usual..  biggrin.gif u got problem slp seeing your holdings -ve? blink.gif
well, i did mention this type of situation gonna last for at least 3 years..
err.. since the stupid trade war, my holdings already -ve..
i started at fsm late 2017...
few years back was buying thru bank... sold off those with handsome profits and went into fsm
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I have no problem with negative holdings. I love when market is negative as it gives me plenty of opportunity.

But my views are not shared by majority of the people.
Ramjade
post Jan 26 2019, 09:37 PM

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QUOTE(alexkos @ Jan 26 2019, 01:49 PM)
thk u bro. Itu cimb is corporate bond d....hmm....i think i should allocate some portion for corporate bond also, and some for gomen bond...

so...at this stage...can we conclude that there's no way we can have access to these bond except via FSM? Itu fund societies can pakai?
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Corporate bond can usually be bought if you a priority customer able to fork out RM250k/bond..

So only way you can buy is
1) be priority customer
2) via FSM.
Ramjade
post Jan 27 2019, 04:42 PM

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QUOTE(howszat @ Jan 27 2019, 12:30 AM)
No, not a good idea, yet.

The China-USA tariff negotiation is still on-going and has a deadline of 1st March. If there is no agreement then, tariffs will shoot up to 25% from the 10% now.

Trump just lost the "The Wall" funding battle. So, it is unlikely he will back down on the tariff issue, when he already has a big bruise on his ego.

China is unlikely to back down as well. In addition, China's economic growth has been slowing down, and the tariff war does not help.

Expect more volatility, and I wouldn't put my money into China funds. Not just yet.

My 2 sen.
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China already back down. Why do you think they decide to agree to buy US product and lower trade deficit to 0%?

China got not enough firepower as US tax is hurting them more than it's hurting US.
Ramjade
post Jan 27 2019, 05:22 PM

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QUOTE(xcxa23 @ Jan 27 2019, 05:09 PM)
in what sense?
most of the news reported soy beans, pork meats and jobs in steel industry suffers by usa..

for china, recently reported their gdp dropped.. nth much reported...
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Why do you think they agree to bring the trade deficit down to zero percent?

Latest news also said China GDP is slowing down.

If they can withstand the US trade war, why would they wave the white flag so early?

This post has been edited by Ramjade: Jan 27 2019, 05:23 PM
Ramjade
post Jan 27 2019, 09:12 PM

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QUOTE(howszat @ Jan 27 2019, 06:44 PM)
No, they haven't backed down. They are still negotiating. Otherwise, they would just announce the "back down" agreement now and that's the end of that. You don't lower trade deficit to zero anyway, that's meaningless.

What do you mean by "US tax"? You mean tariffs?

The issue is not just about tariffs and trade imbalance. Otherwise, that's easily solved, as all China has to do is to agree to buy more goods from the US. Which they already did.

The sticking points are about technological "transfers" and "piracy" and these things are not that quickly solved.
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I don't think Trump cares about technological "transfers" and "piracy". All he cares is how much money he can makes from a deal and how good is he a business man to the American public.

QUOTE(xcxa23 @ Jan 27 2019, 08:21 PM)
seriously i have no idea, and wars regardless trade or real combat wars hurts participating parties so it will be wise to stop ASAP. and
you mentioned hurting them more than it's hurting US.
so im curious in what sense/section/department/industry did china suffers (other than just reported china gdp slowest growth in 20+years)

i would appreciate if you willing to share it.
having much knowledge helps ALOT in making logical decision..

thanks!
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China export majority of their stuff to US. By taxing China items, it's making China products more expensive. Hence US companies will look elsewhere. When they do it, factory output decreases. When factory output decreases, business drops. Business drops, people start losing jobs. When people start losing job, they cannot pay back loans.

China govt is cutting taxes for local companies in order try to make their people spend. If economy is good, you don't need to that.

If is not affecting China, they won't bother offering to make trade deficit zero. They will just ignore US.

This post has been edited by Ramjade: Jan 27 2019, 09:12 PM
Ramjade
post Jan 28 2019, 09:05 PM

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QUOTE(voyage23 @ Jan 28 2019, 08:13 AM)
Of course he does, in fact I think this is the main issue of the tension between US and China now. I have said it before, if you only read news portal from US - that's all you will get. Do not underestimate Uncle Xi and his team.

Personally holding off till 1st of March to observe first.
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If pressure is getting to the US, US willl be the first to make the move. They haven't make any move. It was China who make the first move.

QUOTE(AvenueX @ Jan 28 2019, 11:36 AM)
The wife and I..

Too much uncertainty, tempted to just withdraw from China & Asia Ex Japan and put into bond fund.. Can still stomach the current level of loss..
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Put into bond fund, interest rate increase, bond fund also drop.


QUOTE(Krv23490 @ Jan 28 2019, 02:47 PM)
Take out if you feel uncomfortable.. however if you and your wife still earning can consider rebalance by selling small amount or with more cash (if you are not in a rush to use said money)
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Agreed. If one is worried, means put too much money inside. I on the other hand is not worried and looking forward to it. drool.gif drool.gif


QUOTE(xcxa23 @ Jan 28 2019, 03:27 PM)
I don't think I will, im already preparing bullet for that
Meanwhile, I'm DCA with my salary..

Actually, imo do whatever tat u will SLP soundly at nite.. if these market fluctuations worries u so much, might just be become to stop and straight put in fd
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I am trigger ready. Come on baby drool.gif drool.gif

This post has been edited by Ramjade: Jan 28 2019, 09:07 PM
Ramjade
post Jan 30 2019, 10:12 PM

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QUOTE(vckc @ Jan 30 2019, 09:52 PM)
Sound so scary.. I just bought some equity fund.. If lets say big drop in recession. What kinda - figures are we potentially looking at?
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When you invest, always be prepare for 1 20% drop. What are you going to do if 20% drop comes your way. Only you can answer that yourself.
If you cannot take a 20-30% drop, better don't invest in equities.
Ramjade
post Jan 31 2019, 11:16 PM

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QUOTE(chongteck @ Jan 31 2019, 11:12 PM)
Hi, how do you all decide which ones to sell among your portfolio funds (if you need urgent money)?
--> funds making profit for you at that point
--> funds losing money at that point
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You do not sell if you need the money urgently. You sell when you want to and not when you are force to.
Also invest with money you don't need to avoid selling at wrong time.

If you think you need the money in the next 3-5 years, don't invest it.

This post has been edited by Ramjade: Jan 31 2019, 11:17 PM
Ramjade
post Feb 3 2019, 02:55 PM

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QUOTE(MUM @ Feb 3 2019, 12:17 PM)
BEIJING - China is fast-tracking a foreign investment law at an unprecedented pace to meet Washington's demands on trade, but businesses fear that time to review and raise objections on a crucial piece of legislation has been cut short.
China's parliament is expected to vote on the legislation in March -- barely two months after debating a first draft.
"It is indeed unprecedented that the bill is being moved by the NPC (National People's Congress) at such a fast pace," Wang Jiangyu, an expert on Chinese law at the National University of Singapore, told AFP.
"Normally it would take one to three years for a bill to be passed and signed into law."

https://www.bangkokpost.com/news/world/1622...nt-law#cxrecs_s

hmm.gif trade war ENDing?
Mkts had been up for a weeks ..... is that a sign of more good times to come?
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Sign that China is bowing down to US.
Ramjade
post Feb 19 2019, 09:54 AM

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QUOTE(Avangelice @ Feb 19 2019, 09:42 AM)
am I the one who's super annoyed that I have to update my risk profile and account update so often when I log in???
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Apa adjust adjust? I tak pernah get question to adjust. You bought their MAP?

I only got PRS with them.
Ramjade
post Mar 20 2019, 08:14 AM

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Get ready your cash guys, if China walk away with no deal, expect market to drop badly. Time to scoop up some discounts.brows.gif party.gif

This post has been edited by Ramjade: Mar 20 2019, 08:15 AM
Ramjade
post Mar 25 2019, 10:33 AM

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QUOTE(Byyyz @ Mar 24 2019, 11:35 PM)
Hi guys, new to investment and would like to ask for advice on the following UT from Manulife. I've got into the 4 UT around July 2017 and wondering if I should cut the losses and withdraw it to put it elsewhere.

Also, I've talked to my agent and was asked to hold first til the market to bounce back and since it's dropping it's a good opportunity for me to buy units at lower price and lower down my average cost.

1. ASIA-PACIFIC REIT
2. DRAGON GROWTH FUND
3. INDIA EQUITY FUND
4. MANULIFE INVESTMENT PROGRESS FUND
Would appreciate the help, thanks in advance.
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For, I only buy when I feel the market have drop significantly. 1-2% drop is meh yawn.gif yawn.gif
He is right. Buy when lower to lower your average price. Of course you can't just continue buying at every 1-2% drop . Set yourself a target if it drop by x amount only I will buy.

QUOTE(yklooi @ Mar 25 2019, 09:39 AM)
those that DCA whenever the indexes dropped from early Feb 2018  ....may  have run out of money for DCA before Dec 2018......
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That's why buy when got big discount. Keep those monthly DCAs for big discount sales


QUOTE(yklooi @ Mar 25 2019, 10:22 AM)
the money could be well placed into something more worthwhile and no lost to the opportunity cost....like ASNB FP funds....as mentioned earlier by MUM

and TS is doubting his decision to UT investing too.
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True.
Ramjade
post Apr 20 2019, 03:56 PM

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QUOTE(Kaka23 @ Apr 20 2019, 12:33 PM)
Anybody still putting money into TA Global tech?
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If sell down, will add some more. Now hold.
Ramjade
post Apr 20 2019, 05:56 PM

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QUOTE(Kaka23 @ Apr 20 2019, 05:09 PM)
oh you already invest in FSM MY ah
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POEMS SG. I dump FSM MY long time ago. FSM MY only for buying PRS.
Ramjade
post May 23 2019, 08:19 PM

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QUOTE(Hansel @ May 23 2019, 04:53 PM)
Many assets inside this REIT Fund has its origination from assets of Manulife US REIT listed in the SGX. Emm,... have a small uncertainty here,.. if The US gets hammered down by China in the current trade war,.. asset values in The US may drop.

Just a theory only.
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I think China is the one getting hammered. One stroke of a pen and all countries which got US connection is stopping business with Huawei.
Ramjade
post May 24 2019, 08:05 PM

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QUOTE(Hansel @ May 24 2019, 03:40 PM)
The three main indices in the US, namely the Dow, S&P500 and the Nasdaq have been down and down the last many days. The futures turned green for awhile,... then tipped over back to red again !

Not all countries have stopped connection with Huawei,.. till now, ONly Australia has formally declared to be so. I heard The UK is planning too,... but no formal ann't yet,.. unless you have heard something....

Fyi,... last night,.. Tariff man added ZTE to the blacklist. Anymore co's to add ?
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ZTE was black listed last year and lost the war to US. So US taking the same route as ZTE with Huawei. After all if it works once, why wouldn't it work again. China bargaining chip could be their rare earth.
Ramjade
post May 24 2019, 10:00 PM

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QUOTE(fense @ May 24 2019, 09:58 PM)
Need Help,
I buy PRS in Fundsupermart. Now LHDN audit need the document of top up, where to find them? I search thru the website, cant find it. ppa website also dun have the statement
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Check your estatement from FSM. Is there.
Ramjade
post May 25 2019, 10:10 AM

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QUOTE(yeowhock @ May 25 2019, 09:44 AM)
If US market crash, say s&p below 2.3, go where? Gold? Developed market? Theresa may also leaving
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If want to run is run before crash. Then when crash happen selecting off safe asset for high profit and pump back into US. Ideally. The 2 questions are
1) how do you know when got crash?
2) do you guts to buy?

For me personally buy more. There's some good US companies worth buying when sales is hee.

This post has been edited by Ramjade: May 25 2019, 10:12 AM
Ramjade
post May 25 2019, 10:17 AM

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QUOTE(yeowhock @ May 25 2019, 10:14 AM)
Nice questions, it seems things can escalate beyond our imagination
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Have a plan. Stick to it. When price drop below certain threshold just buy. Of course how many here can do that? See 3% drop already want to sell. See price goes up become happy. One should only be happy if price goes up if you are intending to sell. Otherwise, no reason to be happy.

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