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

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Darkripper
post Jul 4 2017, 08:57 PM

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Actually, buying in funds using CMF and direct FPX should take the same amount of time right?

Also, if i paid fully (either by FPX or CMF) before 3pm, it will lock in today's price, just that it will display a few days later?

Just for clarification, kinda blurred.
Darkripper
post Jul 4 2017, 09:18 PM

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QUOTE(T231H @ Jul 4 2017, 09:03 PM)
Q:
When will my buy orders be transacted?

https://www.fundsupermart.com.my/main/faq/0...ying-Funds-1605

looks like there are exception.... sad.gif
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I've read through the FAQ before, but still don't get it really. Because the last time i use CMF to buy, it took like nearly a week before they price my purchase.

QUOTE
Your buy orders will be transacted immediately without any lag time on the same business day that you place your order, provided they are placed before 3pm. Fundsupermart.com will withdraw the monies from your Cash Management Fund on the same day, so your fund purchases will be priced based on that day’s price. This is unlike the payment modes such as Cheque which have a time-lag before your fund purchases can be processed.


I assume my interpretation is correct no?
Darkripper
post Jul 4 2017, 09:36 PM

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QUOTE(howszat @ Jul 4 2017, 09:26 PM)
The FAQ is talking about confirming having received your payment.

Pricing is different. It takes several days before they can confirm the pricing for your transaction date (payment received date).
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QUOTE(Ramjade @ Jul 4 2017, 09:29 PM)
It will take about one week to appear but you will get the day's price (the day you purchase) if you use CMF/FPX so it's same only la.
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Ok thanks sifu-sifu sekalian.
Darkripper
post Jul 5 2017, 02:37 PM

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Just checking on the cooling off period, we can opt to sell it if the funds suddenly dropped alot? If thats the case, will i get back the sales charge from FSM?
Darkripper
post Jul 5 2017, 04:07 PM

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QUOTE(Avangelice @ Jul 5 2017, 03:07 PM)
I find if strange that you are worried about service charge rather than you making the decision you make to sell at a lost right after your purchase it. cooling period or not.

Remember Penny wise. pound foolish
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I'm just wondering about such senario, where your lock-in-price (lets assume) RM1.00, and suddenly market crash and NAV becomes RM 0.70. Isn't it smart for you to exercise your such rights? Since you will be able to save on that 30% drop (assumption).

I've never worried about the fees by FSM, just wondering if they still charge, or will return. You know, curiosity.
Darkripper
post Jul 11 2017, 09:21 AM

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QUOTE(Avangelice @ Jul 11 2017, 08:38 AM)
Copy of my email sent.

Dear Fundsupermart,

I am writing in to formally request the Fundsupermart team to add on an option to allow the clients who wish to automatically calculate their portfolio's  Internal Rate of Return.

I sincerely believe that ability would help an investor understand the true value of his/her portfolio as most portfolio's are built by Dollar Cost Averaging (DCA) approach.  The current trailing 12-month return doesn't tell us how you've been doing if we invested MYR200 each month rather than MYR2400 up front at beginning of the year and that switching are performed within the invested period.

I do hope you consider on my formal request. Thank you and have a great day ahead.

drew86 aoisky yklooi adele123

also this is a reply to yklooi, as per my email, we shouldn't be saying no to extra information just because it will instill fear in your decision making. I would rather be told (hey you are doing all wrong, go back to the drawing board, their managed portfolio's are better)

that's the thing their managed portfolio's are a lump sum investment of 10,000 where as we keep moving and adding funds. hard to compare.

also with roi it doesn't really tell you how well you are doing say over a long period of time
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Just sent to FSM too...

On a side note, the "% Profit" column in FSM, they do take into consideration of Sales Charges Isn't?

QUOTE
Thank you for your email.

We duly noted your kind feedback and shall share your feedback with the respective department.

We truly appreciated for your time to feedback to us and in the long run your great support is very much appreciated.

Please feel free to contact us should you need further assistance.


FSM's reply

This post has been edited by Darkripper: Jul 11 2017, 11:09 AM
Darkripper
post Jul 11 2017, 11:12 AM

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QUOTE(T231H @ Jul 11 2017, 10:00 AM)
I cannot be 100% certain....
in your FSM a/c
Available qty X Weighted average cost (WAC) = cost
cost - current value = P/L

current value = current indicative NAV x Available Qty

WAC = ?
Q:
What is Weighted Average Cost (WAC)? How do you derive WAC?

A:
Weighted Average Cost (WAC) in your ‘View Holding’ table is the actual cost per unit (or in other words, the breakeven price) of your holding after taking the sales charges into consideration.
Calculation of WAC is gross amount invested divided by the number of units. As the gross amount takes into consideration the sales charges that you pay when you purchase the fund, hence the WAC will be higher than buying price.
https://www.fundsupermart.com.my/main/faq/W...e-to-pay-1083#5

more detail .... by Oracle and FSM Team
https://www.fundsupermart.com.my/main/commu...page=1&pid=0110
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Just calculated, I believe it includes the sales charge, as the "COST" is the actual cost you paid to FSM, which includes the sales charge. So far my port is still -0.40% with sales charge taken into consideration, i think its not that bad considering i just enter for about 2 months.
Darkripper
post Jul 13 2017, 11:09 AM

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QUOTE(Ramjade @ Jul 13 2017, 11:07 AM)
NAV includes in the value of assets regardless is cash/stock value. NAV can be manipulated by distribution/unit split but end of the day it still reflects how much is the fund worth.
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I think you need to take into consideration the number of shares issued. When new investor injects money into a certain fund, isn't the fund issuing new shares according to the current NAV (like share price), hence its fair to the new and existing investor, since he is paying his/her fair share to join the game.
Darkripper
post Jul 18 2017, 09:22 AM

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QUOTE(Ancient-XinG- @ Jul 18 2017, 08:12 AM)
Khazanah today in paper say they will trust and pump more into tech sector...
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Do we have UT into SEA tech fund? dry.gif
Darkripper
post Jul 18 2017, 09:36 AM

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QUOTE(Avangelice @ Jul 18 2017, 09:34 AM)
tech stocks.
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I believe they will be injecting into companies directly (especially those newly startup), also there are not much exciting startup stocks in Malaysia market no?
Darkripper
post Jul 23 2017, 12:53 PM

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QUOTE(Kaka23 @ Jul 23 2017, 11:23 AM)
Anybody topping up to take advantage of the 0.80%?
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Plainning to do so, but not sure to which fund. Maybe kenanga or TA.
Darkripper
post Jul 23 2017, 04:39 PM

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QUOTE(Drian @ Jul 23 2017, 04:07 PM)
TA european?
Global Tech is not in the list.
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Yes, just having some gut feeling with it. biggrin.gif
Darkripper
post Jul 28 2017, 11:53 PM

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Any suggestion for top up?
Darkripper
post Jul 29 2017, 11:50 PM

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QUOTE(xuzen @ Jul 29 2017, 10:06 PM)
And it is shown mathematically, the future value of any investment is linearly related to the ROI, whereas it is exponentially related to time invested. Even if you get a mediacore return but compounded over time will win over a large ROI but compounded over a short time.

Remember folks: Speculate for syiok sendiri, compound it or real return.

Xuzen
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All hail sifu Xuzen rclxms.gif rclxms.gif
Darkripper
post Sep 5 2017, 08:54 AM

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QUOTE(funnyface @ Sep 5 2017, 07:22 AM)
Time for Managed Portfolio update again  icon_rolleyes.gif

Risk profile: Aggressive
Time period: 1 August - 31 August 2017

MoM          = -0.01%
3-months  =  2.71%

nod.gif
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Seems to be doing fine, please keep us updated ! biggrin.gif
Darkripper
post Sep 5 2017, 10:20 AM

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QUOTE(funnyface @ Sep 5 2017, 09:14 AM)
If you include 30th of August results, the MoM should be in green side  nod.gif
But thanks to our super long holidays, result is still with 29th Augusts..... whistling.gif
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Aiyoyo, uncle don't like that, in the end still the same mah tongue.gif
Darkripper
post Oct 10 2017, 05:33 PM

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My 1st attempt at DIY Port, 5 months - 2.5% (after deducting sales charges).

Not sure its good or bad.


Darkripper
post Oct 10 2017, 06:08 PM

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QUOTE(T231H @ Oct 10 2017, 05:37 PM)
hmm.gif mind to share your portfolio composition and % of each fund allocation?
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Affin Hwang Select Bond Fund - MYR -- 13.3
CIMB-Principal Asia Pacific Dynamic Income Fund - MYR -- 23.3
Kenanga Growth Fund -- 29.9
Manulife India Equity Fund -- 19.0
TA Global Technology Fund -- 14.5

So far only Kenanga on the neutral/slight negative side.

QUOTE(funnyface @ Oct 10 2017, 05:37 PM)
No topup in between 5 months?  hmm.gif  If yes then the ROI is on the low side..  hmm.gif
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Got top up here and there lah, but 70% of current allocation are since the start.
Darkripper
post Oct 10 2017, 11:38 PM

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QUOTE(Ancient-XinG- @ Oct 10 2017, 07:01 PM)
hmm... how come can still -ve? DCA a lot?
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negative like 0.1%? haha

QUOTE(T231H @ Oct 10 2017, 07:08 PM)
hmm.gif ya-lor.......
attached chart ARE full of assumptions.....
but the assumed results just varies too much to have a -ve 2.5% numbers
rclxub.gif
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I didnt do the excel sheet like all sifu here did yet, will take some time to do it and report the true value of return here. But so far i just look at value shown at FSM portal.

I did pump more of KGF later. wink.gif
Darkripper
post Oct 15 2017, 01:35 AM

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QUOTE(Ancient-XinG- @ Oct 10 2017, 07:01 PM)
hmm... how come can still -ve? DCA a lot?
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user posted image\


Here's my alibaba port calculated using sifu's spreadsheet.

Do note that i excluded my reserve in CMF as that is my emergency fund/temporary storage for bullet biggrin.gif

This post has been edited by Darkripper: Oct 15 2017, 01:37 AM

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