i think if hold only no charge la

i agree with that

may b will consider others fundhouse , diversity

Ya, I receive email oso, RSP no effect

any special event?
why all the equity SC in FSM reduce to 1.75%...

just wanna ask then u post already

However, the good news is starting 1st of April, FSM will waive the 1% exit fee permanently for all of our investors.

Where you find this sentences? ....sure got waived?

u mean the FSM article?....just now read a while but when i see the sharpe ratio n risk return ratio then i
later read again

just switch a few of my Titanic to ponzi 2 last month ....

Thanks for the info


This post has been edited by ironman16: Mar 31 2017, 10:22 PM

Idea Of The Week: Soft Closure Of Funds [07 April 2017]






What is ur guy opinion?...

This post has been edited by ironman16: Apr 7 2017, 06:03 PM

Tomorrow u go Pullman for the talk?..

Hope anyone that attend can share the talk content...

Thanks for the info.

Do u guy agree with the replacement fund that suggested ?

why nobody share the summary about the talk?....

This post has been edited by ironman16: Apr 9 2017, 04:49 PM

participants got 0.8 % SC offer (one time only, now wait the mail from FSM), other door gift like pen , diary, ...

This post has been edited by ironman16: Apr 9 2017, 05:23 PM

i able to attend the first slot:

Investor Behaviour

Don’t Do :
1. Focusing in single country only
2. Tming the market
3. Fear (takut)/ greedy (tamak)

Do :
1. Systematic way of investing.
2. Discipline
3. Risk return ratio



CREATE A WINNING PORTFOLIO WITH 3 SIMPLE STEPS

1. Inter-asset allocation.
- Decide the ratio of equity to bond fund
- Adjust according to your risk type (+/- 10 to 15%)
Example: Aggressive investor (EQ : Bond = 70 : 30),
Moderate investor (EQ : Bond = 50 : 50),
Conservative Investor (EQ : Bond = 30 : 70)

2. Intra-asset allocation
- Diverse to different geographic / type/ etc.
- Equity ( consider PE ratio, PB ratio, Earning growth)
- Bond (consider yield, currency, policy)
Example :
a. Bond (short term : long term : yield = 40 : 40 : 20)
b. Equity ( Global : Asia PAC : Msia : Emerging M = 40 : 20 : 30 : 10)

3. Fund selection
- Select 8 to 12 fund.
- Also can select 3 to 4 fund only if your understand your risk/ confident with yourself)

a. Quantitative factor.
- Historical performance ( 3 to 5 year cumulative return, consistent calendar year return)
- 3 year Volatility/ risk (downside volatility, maximum drawdown)
- Expense ratio

b. Qualitative factor.
- Management team ( team approach VS Star manager )
( 2 fund from INTER-PACIFIC now shoot like rocket may b due to star manager ???)
- Investment style (growth VS Income approach)
- Cash hold by fund manager (the lower , the best)

### after this just re-balanced it once a year or according to individual type

### speaker oso mention we as football manager that manage our team (portfolio)
部署（deploy），调整 （adjustment）, 调动 (move)

- Striker/ forward = small cap/ country focus fund
- Midfield = EM/ Asia PAC/ Global/ Msia fund
- Defender/ goalkeeper = Bond fund (short/ long)

Any member doesn’t perform well in 2 to 3 year ( I think) can consider out already.



the second slot i also attend but blur
may b my Financial background is weak , not under stand at all....hope anyone that attend can share.....

i only know for the coming year , try invest more in Asia PAC/ China/ India/ S'pore/ M'sia...correct me if im wrong

This post has been edited by ironman16: Apr 9 2017, 05:42 PM

first slot about 10 person due to the tittle is managing portfolio only
but at least i already learn something new beside the skill/knowledge i get from this forum
second slot is full

Andy wong did mention the participant is good like this year , FSM will come back and hold the talk again
BUT sabah particapant that registed is more than sarawak here

###andy is from sabah, Hui ching is sarawakian...

This post has been edited by ironman16: Apr 9 2017, 06:11 PM

attend oso second slot but too many financial term , plus my child start calling me when the time is 1.30pm, until 2 pm still Q&A, so i miss that one....

i blur
hoping other that attend can share
i did take some notes about second slot but afraid share the wrong info

also hope the sabahan can share the summary slot at sabah....

This post has been edited by ironman16: Apr 9 2017, 06:21 PM

boss , u not sarawakian,
dont kacau kacau

can share a bit about the affin talk?

u ppl already know will get the 0.8% SC b4 the talk?
i just realise it on that day.

i attend 2 slot , dont know can get two token 0.8% SC bo......

This post has been edited by ironman16: Apr 9 2017, 06:29 PM