EMB still good ka? 1 yr 4% 2 yrs annualised 5%

ManuREITs also, after ramjade convinced you to switched it has gone completely quiet. But to be fair, from the few REITs option, it's still the better one. But question is, is REITs a good choice compared to asia pac equity funds. For one year and 2 years Asia pac EQ funds have done much better than REITs. Of course, at a higher volatility

On an unrelated note, I'm waiting for FSM to re-open ponzi 1.0. Now ponzi 2.0's volatility is close to ponzi 1.0 jor
Edit: Just saw this https://www.fundsupermart.com.my/main/admin...ticeMYHWAQF.pdf
So I think can buy from next Monday onwards

This post has been edited by dasecret: Sep 28 2017, 05:25 PM

Wah, such contrarian move. So you are on the same page as our PM instead of FSM?

The 0.5% portfolio management fee is per annum, so if you keep it for 10 years it'll be 5% accumulated, similar to the platform fees of 0.05% per quarter or 0.2% per annum for certain FI funds. Some ppl are allergic to this type of charges

Anyway, it depends on what type of investor you are in order to decide which type of product suits you. In the past month I think all those who invested in managed portfolio will tell you that the managed portfolio fell in lesser % than their DIY portfolio

10k is just the minimum investment, of course you can put in more than 10k at one go, but it's also a matter of whether doing everything one lumpsum is a good choice. One can do gradual buy in, minimum initial investment of 10k, subsequent investment min of 5k each time

I think you first need to sell your existing holdings before you can purchase the managed portfolio. You may want to ask them to waive sales charge for that so you don't pay twice. Timing of the redemption defers by fund as well

Of course that's the other option. Actually the most important consideration is - what is your IRR on the DIY portfolio and whether that's better or worse than the managed portfolio. But since you don't keep track, I can't help you with that

Out of curiosity, do you keep track of your stock portfolio IRR? How do you know you are better/worse off investing in stock/UT?

That's why I don't get what are you doing in UT, UT is the worst vehicle you can use if you are allergic to fees

There are lots of more cost effective vehicles out there since time and effort is not an issue for you

Ponzi 2.0 is popular

I'm topping up ponzi 1.0 since it fell quite a bit and I somehow still have faith with their investment style. Let see if I'm cursing them in 6 months or sing praises for them

Agree, mathematically impossible. Only plausible reason for the drop is top up

That's why ROI is a poor measure of performance.

Beancounter can't help it

Sure you can do that, just more work lor. It should still work out to be cheaper in the long run.

Managed portfolio is designed for people who don't want to spend time to monitor, that's what ppl pay 0.5% per annum fee for. So if you are willing to invest the time, there are other options

That's where bean counters come in. In order to mimick the managed portfolio I think you need to buy into managed portfolio to track. For FSM SG, they actually open up the factsheet to non-subsribers. So in that case it's easier to track

In terms of the cost, actually you only pay 1.75% on the equity funds which for moderately aggressive managed portfolio is 70%; so the effective sales charge would be 1.23%. Further, the switching charges would unlikely to be applied to 100% of your porfolio, chances are is just 5% - 10% of switching between EQ fund and FI fund. So again, assuming 5% switch every month (6 months switch to FI and 6 months switch to EQ) also only costs you 1.75%*5*6 times a year = 0.5%

But imagine the amount of work you need to do to mimick

My calculation is a lot of assumption. Anyway, why do you need 3 different managed portfolios? It's all same funds just slight difference in % of allocation

It's the same management fee and expenses charged by fund house which is the same if you DIY or buy from UTC or buy managed portfolio

See below. The moderately aggressive managed portfolio is 4 months old, since inception 4.1%


I also attach the moderately aggressive MAPS portfolio in FSM SG performance


The SG one performs better so far, i supposed due to more choices when it comes to funds

That's a valid argument too

But in the end, the most relevant comparison is, anyone's DIY portfolio does better than managed portfolio so far? I for one can say mine don't

Waiting for that person to come comment lor...

What about you? You were following interpac closely ma

Happy... top up during the dip lagi happy

No one can really tell you what to do. No one can tell if this would be the case in the future as well

But what you would observe is, a lot of ppl here would go for 100% equity in their DIY portfolio and a less risky managed portfolio. Mainly because there's no 100% EQ managed portfolio as an option

Kan I already announce loud loud that I topped up on 2 Oct itself

Hmm? I posted before? mine lose to managed portfolio ler around 8.5% to 9% only


This post has been edited by dasecret: Oct 13 2017, 07:09 PM

Don't think managed portfolio can use EPF to buy at the moment. EPF is still tied to your name whereas managed portfolio is under FSM nominee account but parked at an external trustee, at the moment with maybank trustees

It depends on how much confidence you have in FSM and in yourself lor. I don't think I'll pull out what I already put in funds other than those lousy fund that I switch out. But for future savings will likely put in managed portfolio. That's why if they start RSP I'd certainly do it as forced savings