All this behavioural this and that is bullshit lar... No matter how much you talk to all of them they will only learn from real life experience.

They need to pay tuition fee wan lar!

Agree with your statement. Nothings beats learning from your own mistakes!

Just 42k fund with 2.4% will produce over 1k return. Not that difficult for her, right ?

Or i did not catch the point ?

This post has been edited by puchongite: Mar 17 2017, 09:47 PM

Her 4digit numbers are probably in the range of RM9000 to RM9999

Who is "her" ?

dasecret

A backtesting done by FSM last year
https://www.fundsupermart.com.my/main/resea...nting!-7372
Not very successful; but last few months were quite good la. If you feel like betting, you can try. I only buy if it's a fund I like. skipped all those India, greater china stuffs. But i think it did well

Yeah, can go both ways really

Nah... it's a once in a blue moon thing, that's why worth mentioning. This fund probably can lose 4 digit in a week as well... the big question is, shd I keep or shd I sell

Your maths is quite spot on for an IT guy who doesn't keep track of IRR. What I omitted here is, I had this fund for almost 4 years now, so a lot of it is accumulated profits

I wished... but no... it's a borderline 4 digit; which is worth a brag anyway

Haiz was thinking of giving it a try via SG UT (0% SC) and earn quick money

Not sure where did you get the idea that paper gains on a fund is not a gain until you materialise it. Say you invest RM10k on a fund that grows 10% per annum; if you take out the 10% gain every year and put it in a bond fund that earns 6% or you continue to put in the fund where some years it's 15% gain and some years it's -5% loss but over 10 years it's annualised 10% (think kapchai fund or ponzi 1.0 fund)
Surely the latter give you more... too lazy to do excel to show the numbers


What about if you cash out at 15% and it grew to 21%? Then you lose out the 15%*6%
Just something for you to think about. No right or wrong answer

What are the chances for the fund to move to 21% vs 9%? I think chances for it to drop is higher than for it to hit 21%

My thinking once it reached a certain target, withdraw all and put into the select bond fund. Then wait. Eg 15% returns. After all it's already 15% return in less than a year. Even if didn't pump back inside after one year, the return is already 15% pa. Still decent...

compliment. take it!

And what if u dont feel lucky enough to re-enter? Again it's a dilemma in UTF investment. There just isn't a clear cut "resistance" or "support" point to TP/SL at.

I'm as clueless as some people here are. On one hand I would like to just reap the profits in the long run regardless of the volatility. On the other, why let profits dwindle? No right or wrong.. I hope some veterans can shed some light.

Xuzen uses allocation. If it exceed that certain value he transfer it out so that the allocation come back to what he want.

Eg. The fund is supposed to be 10% of his total portfolio, it increase to 20%, so he take 10% and divert it to another fund which is (-)

I think that is called rebalancing...sort of like this....

In order to “play” the game of investing, we need to be “in the game” longer than our fellow peers. Rebalancing is a strategy that can keep you “in the game” for longer.
Author : iFAST Research Team
https://www.fundsupermart.com.my/main/resea...ebalancing-4232

What Is Rebalancing?
Why Rebalance?
The Importance of Rebalancing A Portfolio
https://www.fundsupermart.com.my/main/resea...-Portfolio-5374

I'll think about it. then again I'm in this for less than two years so I'll just let my portfolio grow until my 100k mark then I'll be more active. right now I think I should worry about building my asset rather than keeping it healthy

My Pub smallcap has highest ROI at 72%

My Ponzi 1 ROI is 47% with ocationally top up over the investment period

KGF ROI 30% with more frequent topup...

etc... Looking good my portfolio

I'm not bragging or what.
My point is that one shouldn't rely on ROI as the indicator.

How many years?

You can backtest rebalancing vs. no rebalancing in the simulator.. for my port it wasn't worth the extra effort