thanks for highlighting....
just checked mine.....
YES the ROI of my DIY port was also no where near the Managed Moderately Aggressive port for the same period.

considering dumping all into it....

btw, notice that they calculate the ROI of the managed port using the GROSS amount (not net after deducting the SC)

Thanks for sharing....

thanks for high lighting...

me too...but just "hesitated" due to cannot partial sell condition.
I want to be able to withdraw abt 10% of the port yearly....
what is the best method?

thanks for the input.....
now will have to continue my option plan for that.....

I think there will always be DIY people....
some would DIY to try to time the market
some would DIY to try to have a more aggressive port
some would DIY to try to see if they can be better than FSM
some would DIY to .......

have they allowed partial withdrawal already?

ok...noted....
I was contemplating to "sailang" all (include my whole EPF) into it
(plan to keep 10% of it into AHSB & CMF as house whole emergency fund)
then withdrawing annually (from managed port's assets) to cover the annual expenses
workable?? or

yes,...please keep me posted on the outcome of their response.....

yes,....it is just that i am trying to maximise the sum available...even if 2%pa higher
(i needed that extra 2%)
anyway,...i am still planning either transfer the FSM DIY port to Mgmt port but leave EPF alone......
or
transfer both the FSM DIY port and EPF to Mgmt port .....

with the last option...i cannot take out partial money to enjoy.
with the 1st option...i can annually withdraw from EPF....(but this will deplete the EPF faster bcos it was a 1 sided withdrawal)

(was "planning" to use that a passive income)

still have about 4 months to think and observes how the Mgmt port performance BOTH in good times and BAD.

currently observed since June.....i think my DIY port volatility is higher and my DIY port ROI seems too moves slower than Mgmt port

Thanks...was actually hoping you could chip in.....
How at shopping mall with wife.....will tell more later.
Thks again

it is the no able to partial in mgmt portfolio that is my current concerns....
I need to be able to utilise my "return" if any

I just got a very simple thinking....(maybe too simple for comfort to many people)
Let says, I just figured out that I just needed a 10% pa ROI to tie me for 20 yrs....

that 10% is current value

I don't mind digging into the capital when that port's ROI did not hit 10% for that year
if the ROI for that year is 13%....3 % will be reinvested
and I don't mind not having leave anything for my family after 20 yrs.


will digging into the capital to get this 10% deplete the capital before 20 yrs?
will inflation eat me alive before 20 yrs?

I don't have calculator for the above questions....
any one mind to provide some tips?

example,....
current value is RM 4k per month = 1 year RM 50k
thus capital required is RM 500k
this capital needs to generate 10% pa.

that 10% is current value

I don't mind digging into the capital when that port's ROI did not hit 10% for that year
if the ROI for that year is 13%....3 % will be reinvested
and I don't mind not having leave anything for my family after 20 yrs.

can tis work?
else what is the "better' % to target?

coincidentally....
today's article...
ACCORDING to the Employees Provident Fund (EPF), more than three-quarters of Malaysians do not have enough to live comfortably when they retire.
https://www.msn.com/en-my/money/personalfin...ocid=spartanntp


This post has been edited by yklooi: Oct 16 2017, 09:19 PM

will try to say employed for as long as possible......
had managed to stay low profile and unnoticed for 2 yrs.....
unsure how long before the magic cloak will stay on before ran out of batteries....

most probably revert back to the usual 3000 per year

you think Amreit is bad for you?
I have both of this in my port......
but YTD Ponzi still wins...luckily for me...
will Ponzi continue to lose its magic touch?..... will see if I should abandon it next July.....
in the meantime will have to content with it for my portfolio's ROI drag

algozen don't have Ponzi 1.0
for newbies reading this.....got the hints?

This post has been edited by yklooi: Oct 19 2017, 08:20 AM


Attached thumbnail(s)

yea...I got Ponzi 1.0 few years back too....
was and had been a good performer in the port.
hope that the current performance is just a temporarily affair.....

GO PONZI GO GO GO
my current battle cry.

that means it will be a temporarily things after having rectified those known "mistakes"?
I hope so...will see in the next six months

this is from emerging markets to US
the below seems like both direction

This post has been edited by yklooi: Oct 21 2017, 06:38 PM

most of the time we do not know when they will move out...YES,....a diversified portfolio is a good moves, but some would also advocates having about 20% of the diversified port to use as a "gambling chips" to cash in on the current trend/opportunity/theme.....but I guess that also depends on one's appetite and the believed "age" ratio formula

" EI GEM is rather bullish tis yr, compared to EI GL fund which is US heavy"...I thought he did mentioned that US is more bullish than EM?

This post has been edited by yklooi: Oct 21 2017, 06:23 PM