Puchongnite is right. And please let's come back to reality and think. Interpac risk going down on what? It may just go up and when fundsize is too big, ie:200 M. It plateau. There is no justification that it will come down just because it went up so much. Lim Tze Cheng is not first time fund manager that has never manage big funds before. To hear those very negative ppl saying that interpac will confirm come down and everyone make losses is just, well, the reason why hahacat uses coarse language towards dem. Hahacat also is a middle class employee, when hahacat boss say hahacat is stupid. Hahacat will think, why boss say so first? Is it really my lack? If it is then i improve. Otherwise be forever stupid. I know I know u all news champions. Scared interpac be like rhb drop so much. But there is an inside story of what really happened in rhb last year. I am not at liberty to share in public forum, but the huge shakeup that involved its former CIO is not something that interpac can replicate. So again,watever we do. There must be justification. U want to DO BIG BETS, Then u better have even MORE JUSTIFICATIONS. If we think up 50% is a lot. Then we shud really go and study stocks selections and stock portfolio. It is more common than we think. It is rare in UT but every year there will be UT on top 10 list t that makes 30~50%. For non DCA players or ppl who DCA until a certain level like 200-300K. If they see good and opportune fund. Why not go in and reap the 30%? Is hahacat wrong for my suggestions? I think my input will give even more colours and flavour to this forum and ahud be welcome very much. There's always 2 school of taught in everything we do. And I am pretty confident, I am very very good at spotting trends and fundflows. A skill that is absolutely crucial. Haha, meow.

This post has been edited by HahaCat: Jul 16 2017, 02:16 PM

Yes, you will do well as an english teacher. Keep it up.

This post has been edited by HahaCat: Jul 16 2017, 04:23 PM

If you pump in at a big correction (does not need to be a global financial crisis) but at period ie: Feb 2016 of China Meltdown. U make about 50% per annum. When reach that level, can divest back to a regular portfolio (with mixture of top malaysia fund, top asia ex fund, top developed market fund) if there is nothing else to ride on at the moment (there will always be one if we see properly). As we are looking at global synchronized growth now. The next financial crisis will be a big one. We are looking at several markets across the globe at all time high now. If it go down, it will be the most opportune time in the last 10 years. If u miss it, wait next opportunity. So daily monitoring is necessary for big stake holders.

This post has been edited by HahaCat: Jul 16 2017, 08:45 PM

I also don't recall Warren Buffet, (an idol for all value investor here probably) not taking opportunity, advantage of cheap valuations and seizing opportunistic deals.

Please understand that while WB ask all to buy and hold. He did not become wealthy by investing in unit trust. He became wealthy by buying stocks at cheap valuations (ie: washington post) and HOLD on to it until it reaches its fair value. And reap off the benefits (ie: his bet on petrochina). And he does it by leveraging on insurance money he received interest free from Berkshire. So no.1 leverage, no.2 buy at low and hold to maturity or reaches fair value. He is essentially a value stock picker. In the last financial crisis, he came out to buy at low and took advantage as well.

Damn a lot of other tycoons made their fortune this way including prominent Li Ka Shing (ie: 1997 Hong Kong).

We know by being sharp at defining moments like these is wat makes the most money.

Why do we even accept a 2nd way?

I am the most conservative investor in here. By not taking risk, is the riskiest move in itself.

Those UT consultant here who took FIMM license, you are all fully aware that Msian regulations allow leveraging of unit trust up to 66%. Which means by right we are allowed to borrow up to 66% of our total fund invested in a unit trust. Many banks now do not offer this at all because they had bad experience before. Lend money to customer but unit trust cannot make it, didn't make enuf returns so customer also dont want to pay back. Become bad loans.
Those were the days. So today, everyone is not offered this opportunity. Everyone also believes borrow to invest in Unit Trust is crazy and wrong and bad and confirm fail. In the past we dont have FSM, no internet, dont have free flow of knowledge and fast moving news. Today, its a whole different story but we still live in the past. Hehe.

This post has been edited by HahaCat: Jul 16 2017, 09:02 PM

My facts get validated once again. First my fsm screen is fake - validated by iphone fsm user. Then my knowledge on unit trust leveraging is flawed - validated by another user. Also thrown at me - I create new account to support myself. I can't be creating multiple accounts to counter all the forumers that isn't agreeable with me, that's probably 99% of the people here. But so far I have not accused anyone of being fake or wrong in their investment philosophy. And I have not shot down a single person's allocation.

On th doom and gloom, I have mentioned a correction period is an opportune period. My stance is clearly to take opportunity of it rather than financial crisis destroying us. That is unlikely as every crisis will eventually rebound.

The senior xuzen mentioned, he exited malaysia in 2016 and re-entered now.

Hahacat myself, entered malaysia in End 2016 and remained in it now. (1H malaysia performance this year is history, everyone who is in it is happy)

U can clearly see, both people believe in msian equity at the moment. That is something common in our thinking. So hahacat's thought starting to make sense?

Also switching is a strategy. Allocation is a strategy. I wont be surprise if both me and senior citizen Xuzen come in for GE play then get out after GE to re-allocate to different region/fund that will optimize our returns. How are we different now? Maybe Hahacat is just the Mr Hyde of senior Xuzen? HAHA.

This post has been edited by HahaCat: Jul 17 2017, 01:10 PM

Banks wont lend to u for unit trust. But there are always ways to borrow from the bank. If everyone thinks so straight forward like @dasecret then there is really no secret left. If you really want to make that million before 30 or whatever goals u set for urself. Start thinking about the possibilities and stop restricting urself by all the IMPOSSIBILITIES

I don't have great experience. I started investing 5 years ago and I made my first million before 30. I also went through Malaysia education system and work in the financial sector. There are only two types of people. One who will and can, and those who say no, it's too difficult, too much, too hot to handle. I have nothing to add to that.

The difference between a rolex and a casio is not one is a more accurate watch. But one is a more expensive watch. We all choose to be what we are.

Unker Xuzen, those were some really good call. Especially on india and ta global tech fund. U made losses in china because the market was overheating n we all saw a crash imminent. Definitely not because of one year or two year data you used. The 70% increase in rhb china big cap or manulife china then within a year was as far as the china market could go. An artificial hike pushed up by retail investors which mostly used share margin.

To voyage, I made 35XXX this month so far. Strategy to manage portfolio in different sizes differ. And also risk appetite n age factor of the person also may impact on earnings. If i am age 55. Even if my portfolio is big i wud rather go lower risk.

U r welcome Unker Xuzen, I have no agenda in this forum or at anywhere watsoever. Credit given where it is due.

When I see MYR plunge vs USD, I think a good investor will want to be quick to invest his money in USD based fund. Or at least be overweight in it to capitalize on FX.

I want to assert that investor with alredy a sizeable fundsize, shud not invest like a new investor who is still building his base. If u are doing DCA and building ur fund, one shud not look at short term flunctuations too heavily. Be consistent and discipline in contributing to a GOOD FUND with strong track record. Buy in the up and down.

However once an investor build his portfolio to a substantial level, let's say a few hundred K. Then I wud advise them to really learn how to be OVERWEIGHT and UNDERWEIGHT in certain regions and fund given the macro economic situation. EXAMPLE: If u know KLCI is already at 1900 all time high, it is good to take money off the table, even if u r buying a SUPER fund like INTERPAC. The market is heated. Go underweight, wait for it to correct, then re-enter.
That has been my switching strategy always.

The fact that many argument arise is when DCA player read post from invincible cat, or also called kung fu cat. They start to implied it to their own situation. Certainly, if u do DCA, u cannot one month DCA this region, following month SWITCH ur fund and DCA that region. Then it will be very messy and counter-productive. I wont advocate that.

Short of being called stupid, I also feel that interpac is quite crazy with the +1% earnings almost every other day.

But hey, I am just a cat, I can't be calling an experienced fund manager crazy. Just have to monitor closely if you have high stakes in it.

When there is a wave, I will ride on it. But don't expect me to drown, because the pre-requisite to do surfing is u first need to learn how to swim. Goodnite.

This brother needs to toughen up a little. It's a hard hard world out there and u r lucky i just a cat. There are plenty of tigers out der tat will chew u up. Most important thing is u remain positive n never give up. No matter how tough it is. Otherwise sit back and blame others and how unfair this world is for our own failures. P/S: If i am really rich, I wont be playing unit trust, i will juz play golf. I never said i am rich. Rich is subjective. As investors we shud be the most objective ppl.

So many GURUS here discuss about strategy, how can I be excluded? Unker Xuzen, wanna chip in?


Today Gen-Y, Gen-Z change already. They are not like the Warren Buffets, once invest 30 years horizon. They want shorter, quicker and they are more aggressive.

This is how I evolved as an investor. When I started 3-4 years ago. I used to have a diversified portfolio. With KGF etc.

Then I started to see, in some year, no matter how good LEE SOOK YEE is, in 2016, she made me no money.

And other funds goes up. On a 10 year average, LEE SOOK YEE FUND may be the best. But on a year to year basis, absolutely not.

That is when I took Unker Xuzen's cystal ball + my kung fu cat style. And make this the core of my investment strategy:

At any point when I buy a fund, I will do my own ground own research, with all the necessary numbers to support, justify and answer this question:

"If I buy this fund, what is my expected return in 1 year. And is this a figure acceptable to me and is it align with my investment goal." If I am satisfy with the projections. I will buy, even if the whole world says NO. This is my money, this is the performance of my life. Let the show begins!

First of all howszat, please do not insult me as I am not an agent trying to sell anything. Secondly fk off for trying to school me. Do I look like I need your sales to generate income. Or your invesment advise? I have enough income to survive. Heck, i even have enuf passive income to survive. Keep your money for the poor, or yourself.

A bit of background of how I invest. I play very few funds. Less than 5 at one time. And I switch annually. So I don't hold one fund for 5 years. All depends on like u said - flavour of the year.

Did I say my style is for everyone? Are you a kung fu cat or trying to be a kung fu cat? If not you shud try to stick to ur own style and read my experience as an opinion or reference. I have high respect for people who has achieved financial freedom and welcome their input. Otherwise there is no need to make so many assumptions on others.

I mention since my first post. I do GROUND UP RESEARCH ON MY OWN before I enter into any fund or region. This part I wont teach or rather it is too lengthy to teach in forum. How to assess market, funds, valuation, newsflow, fundflow and all the what not. These are key essential for "crystal ball" style. And ensure sound judgement at all times when making decision. U think i juz simply time the market and remain profitable. I would have gone bankrupt already. Fk off man. Juz fk off with u and ur assumptions on others.

This post has been edited by HahaCat: Jul 20 2017, 10:41 PM

I have mentioned what to buy and the best region this month. R u fking sure u read everything i said. Pls go bek refer and TRACK!

Ppl like u on the other hand confirm has nothing to show or recommend. ZERO KNOWLEDGE.

This post has been edited by HahaCat: Jul 20 2017, 10:44 PM

This post is when u go full retard. FSM can just close shop. No need to recommend funds or research. Because wats the point according to this poor man. There is no point as fund manager go ahead and do something else. I cannot be entertaining this at my level. Any one wanna reply along with him? I shall abstain.

Year to date my portfolio +28%. Expect to hit 30% by month end.

Month to date: Expect to hit 50K profit for month of July.

That's the best I have now. But it's not really hitting my target yet.

Unless your challenge can make me some money. I don't really. Lol.

This post has been edited by HahaCat: Jul 20 2017, 11:17 PM

At the moment my cash pile is enough to settle all my loans (housing loans). Which means I am at 50% gearing ratio. Example: If I owe bank 1M, my cash at hand is 1M. For those who are overly concerned whether I will go bankrupt, do not worry. I have passed the test. Whether I will borrow more in the future is a question. I think gearing ratio at 70% is still a comfortable level.

Aside, in life u don't have to do 100 things right. So u can be a one hit wonder or a few hits wonder. That itself is a good enough. I focus on doing a few things right. When you make a few M. All put in KGF and make 8% only per annum. It is still enough for one to live modestly and comfortably.

HahaCat.

Yup, better to leave this thread alone. As heavy moderators disallow opposing views. And all attack one person if he is investing in another method. Make some money kena attack. Maybe the purpose here is to ensure all lose money, ensure bankruptcy and bad things to happen to others? I for one never hope anyone who invest by the book or not to go broke and lose money. What mentality.

Ya man, avangelice. Stop ruining lives by teaching people to make meager returns man. What kind of man, in a year where msia bullrun. Make 9%? Omg, lower than KGF. STOP RUINING LIVES! FSM ALSO SAY INVEST IN ASIA PAC REGION, 40% by 2018!

And stop asking for track record and threaten people. I have only a few years experience but at least I have a TRACK RECORD. And a successful one. Some has zero track record or successful stories here but come out hentam people. For those who made it, congrats and live well.