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

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ROSS_Solar
post Jul 9 2018, 07:23 PM

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QUOTE(MUM @ Jul 9 2018, 07:15 PM)
Thks for sharing. ..with such a composition....how much % of losses in terms of YTD roi ?
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approx. -5.6% YTD
ROSS_Solar
post Jul 9 2018, 07:36 PM

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QUOTE(MUM @ Jul 9 2018, 07:31 PM)
blush.gif that is BAD...but on the consolation sides......i think many forummers that DIY are having that or near that numbers too....
I think the FSM managed port are losing not that much....
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Well... I'm not in panic anyway. Just a bit frustrated with volatility and overall bearish trend for such a long period of time :-/
Will reduce DCA for now + remaining part of usual amounts will go to CMF, waiting for better times
ROSS_Solar
post Jul 10 2018, 12:07 PM

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QUOTE(MUM @ Jul 10 2018, 09:07 AM)
maybe because every time they topped up, the NAV goes lower again, and after a few times of DCA...the heart goes weak....
they foresee that the fund would not improve much for the time being and think that other alternative are better for the time being....
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Sort of smile.gif Not really heart goes weak, but downtrend is too long and DCA-ing in full is increasing daily loss.
So, going to DCA twice less, and remaining money will go to CMF, once volatility calms down and there will
be some signs of consistent uptrend, i will use CMF-accumulated resource to top-up UT holdings.
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I know it might be not a perfect/optimal tactics for now, but safer one for sure.

This post has been edited by ROSS_Solar: Jul 10 2018, 12:09 PM
ROSS_Solar
post Jul 10 2018, 12:41 PM

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QUOTE(Ramjade @ Jul 10 2018, 12:15 PM)
You guys know right buying when market is rising = buying when market is becoming expensive.

However,  it's also wise to conserve ammo. Set yourself a target. If it fall by x% then you topup.
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Well, market is rising is not the same as market starts recovery.
Same like buying low is not the same as catching the falling knife.

One has to decide for himself smile.gif But sure it should not scare you off investing neither should it stop you saving/planning properly
ROSS_Solar
post Jul 11 2018, 07:47 AM

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QUOTE(j.passing.by @ Jul 10 2018, 02:49 PM)
Looking back at your posts and conversations, may I ask what's your saving or investment plan? Seems to me, you are confusing DCA with whatever investment plan you had in mind.

A true DCA saving/investment plan is a plan that ignores the market sentiment. No matter how the market is - whether on a downtrend or uptrend, performing well last month or not, losing money last week or not, the plan sets the emotions aside... and regularly make the purchases (or "top up" which is the more popular phrase in this forum) in almost the same amount everytime.

And no, it is not DCA if the investor splits the lump sum investment to cover several months of the market trend. As you have known, since you started your UT investment last year, the market trend was up for nearly a year. The market trend could be continuously going down for a year or more. It could also have hit the bottom last week, and is currently performing a U-turn for the next 6 months.
Yes, I know what DCA is. Just its easier to use this acronym vs "I top up my unit trust holdings each x weeks according to my investment plan [.. details ..]
As for when I started... My UT portfolio at FSM is 8years old already, i guess. And sure thing I'm not rushing anywhere, some trial & error approach is fine with me biggrin.gif
QUOTE(j.passing.by @ Jul 10 2018, 02:49 PM)
So which direction will the market goes in the next 6 months? Your opinion is as good as any "experts" out there. We decide, we take the risk... after all it is our money.
No one really knows. As I said, everyone to decide for himself

ROSS_Solar
post Sep 3 2018, 11:31 AM

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QUOTE(Arvinaaaaa @ Sep 2 2018, 07:03 PM)
Anyone currently on managed balance portfolio?
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I have it addtnl to DIY one.
ROSS_Solar
post Sep 3 2018, 04:35 PM

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QUOTE(Arvinaaaaa @ Sep 3 2018, 01:35 PM)
How is the performance so far? Tq
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started managed portfolio nov 2017, continuously topping up same amounts monthly. Just turned green couple of days ago. about ~+0.5% or something like that.
ROSS_Solar
post Sep 13 2018, 06:51 PM

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Woah.... Dinasti -2.9% in one day smile.gif
neg ~11% in 3 mo... Someone, please stop Trump biggrin.gif biggrin.gif biggrin.gif
ROSS_Solar
post Sep 27 2018, 10:46 AM

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QUOTE(kenny79 @ Sep 26 2018, 11:10 PM)
My paper loss since January is rm3k now 8 still keeping top previous now just switch all China Asia to world .. or Malaysia ...
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Not so bad, i guess..
my paper loss is 24k YTD bye.gif
ROSS_Solar
post Oct 12 2018, 07:33 AM

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QUOTE(Ramjade @ Oct 11 2018, 10:20 PM)
If you don't sell,  what loss is there? Unless you use margin,  then good luck.

Market losses will eventually rebound. The question is how long and whether you can tahan seeing your portfolio continue in red.

If one cannot tahan portfolio in red,  best to go for safe investment such as FD,  ASNB and EPF. UT investing is not for them as they can't take it. To invest is to able accept losses.
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Totally agree
Well... one can feel uncomfortable seeing red, but the key is to control your emotions biggrin.gif If you implementing DCA, stick to it. Don't let your emotions affect your investment strategy
Investing requires discipline. For me it's pain to see 4-5k losses daily, but all of these - "paper" loss, untill you lock em with panic sell.
ROSS_Solar
post Oct 12 2018, 10:51 AM

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QUOTE(Vibe007 @ Oct 12 2018, 10:35 AM)
Yes. Buy cheap , I’ve seen my colleagues top up monthly on regular basis. But still can’t break even when market down. It’s a bonus for those that accumulate cash can get cheap bargain at this moment and when market recovers , they might not suffer losses when market slide in another round of market crash cycle.
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Those are two different approaches. If you like to sit on cash for longer periods of time, trying to time markets (consider you loose some potential when waiting for an opportunity), etc - go ahead with it, but consider you need spend more time analyzing and... actually, you'd better go stock market rather than UT with this methodology. Maybe you want to become a professional investor another day and live from it.

For me, DCA suits better. I analyze portfolio performance and markets once in a 6 month for the rebalance options, in all other times - simply go DCA as planned each week. Sometimes, when have extra cash, then tossing more of it during "selloff" periods. This way i spend little to no time on this, focusing on my own work which provides my primary income.

For example, this year YTD my portfolio went ~-4%, but grand total is green and surely can absorb much more paperloss (DIY portfolio started 2010). My managed portfolio at FSM started about year ago, for now sits at -2% red, but i don't really care much

This post has been edited by ROSS_Solar: Oct 12 2018, 10:53 AM
ROSS_Solar
post Oct 25 2018, 08:22 AM

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QUOTE(David83 @ Oct 25 2018, 07:31 AM)
Kiss goodbye to 2018 gain!
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You probably mean kiss goodbye 2017-2018 gain... smile.gif
ROSS_Solar
post Oct 25 2018, 08:30 AM

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QUOTE(Ramjade @ Oct 25 2018, 08:26 AM)
2018 gain. Not yet 2017.Wish me luck that market decide to wipe off 2017 gain as well. That will be interesting.
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depends on port allocation. I'm half-way into 2017 already.
As for wishing good luck, personally, i don't care much, but majority of people here won't share your wishes biggrin.gif
ROSS_Solar
post Nov 29 2018, 02:31 PM

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QUOTE(ssajnani @ Nov 29 2018, 01:36 PM)
So quiet in here smile.gif
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quietly DCA-ing, waiting for volatility to calm down and looking to see steady trends for port rebalance if/where needed biggrin.gif
in any case 2018 was tough
ROSS_Solar
post Apr 30 2019, 10:18 AM

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QUOTE(djnfwugniskldnf @ Apr 30 2019, 10:15 AM)
How long will it take for distributed units to be reflected in your account ?
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usually about a week. sometimes longer (longest i've had was almost a month)
ROSS_Solar
post Jun 5 2019, 07:51 AM

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Does anyone know what had happened to RHB Islamic bond? -4% in one day, no dividend announcements... weirdo
ROSS_Solar
post Jun 5 2019, 08:42 AM

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Bloomberg:

This post has been edited by ROSS_Solar: Jun 5 2019, 08:43 AM


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ROSS_Solar
post Jun 5 2019, 08:47 AM

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morning star confirms same..
https://my.morningstar.com/ap/quicktake/ove...ceId=0P00008MIY

This post has been edited by ROSS_Solar: Jun 5 2019, 08:48 AM
ROSS_Solar
post Jun 5 2019, 08:51 AM

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Number is also confirmed at RHB website
https://www.rhbgroup.com/malaysia/products-...ent/fund-prices
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Yeah, there were 2 defaults for bonds held by RHB IBF that i remember... This is going to be the third one, i guess
ROSS_Solar
post Jun 5 2019, 09:08 AM

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QUOTE(T231H @ Jun 5 2019, 08:57 AM)
just checked Bloomberg...RHB bond fund drops 2.26%....
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Maybe affected by same default blink.gif

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