It is the time of the month again to blow-water & tok-kok.

Algozen™ ver four gave me a M-o-M rtn of 5.00% & 1.02% respectively in Apr & May 2020. All constituent UTF gave positive return namely, China + US + bonds; even the laggard Manureits also gave positive rtn.

When Trump & Xi Jinping kiss and make up, all the world is a bed of rose. But when these two parents fight, the kids suffer.

Xuzen

p/s June 2020 data still not in hence cannot comment. But looking at my port at a glance, I think it went well too in June 2020.

p p/s the 5% & 1% combined in two months is equivalent to three & half months my basic salary. Christmas came early this year. And the fun part is; I do not have to pay taxes on these gains. Being an investor > businessman >> salariiman.

This post has been edited by xuzen: Jul 4 2020, 11:25 AM

good for you and hope others are good too.
as for me...at 50% FI, 35% reits & 15% Asia Pac = YTD no growth ....


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Wow. So defensive portfolio

I like to watch boss blow water, can copy ur asset allocation n modify it to suit my taste.
Mind to share ur asset allocation?

U only favour in US, China, bond n REITs? No Malaysia?
Now gonna rebalanced mine n my children portfolio since got 0.5% SC. 😁

Don't know what to do with my kenanga growth fund (big n fat submarine), still submerge in pacific ocean. 😢

Any sifu got any idea?
May b i target US, China, Asia, REITs n Malaysia.
Major in Asia

Defensive is the new offensive. With Trump the madman at helm.... it is good to be defensive. Don't know when he will naik angin again one.

Bond 70% + US 15% + China 10%+ Reits 5% with a view to sell off more Reits in future. I am positive on China , neutral on US and bearish on REITs. Bond is to provide me with a huge security cushion. Kiasi nowadays. Just hope Trump loses reelection.

M'sia equities = nil at the moment.

Thanks for the idea but 70% bond is too much for me, i not kiasi, i lantak aje.
Today sleep n think think what wanna do with my portfolio, next week start my rebalancing portfolio 😁

### kasi hint sikit ma, what i gonna do with my big fat submarine, sakit hati tengok 😢. If u pick Malaysia allocation, which fund u pick? 😏😏😏

This post has been edited by ironman16: Jul 4 2020, 02:58 PM

Its just paper gain until u sold it

Yes... Just like any other assets that we have.... It is only in numbers..... Until we really wanted to "cash" it for use to exchange for some other things...
Even the amount in saving a/c... It is just numbers

Just compute the number for Jun,

Jan Asset Allocation :
Greater China 27%, US 23%, Malaysia 48%

Feb Asset Allocation :
Greater China 27%, US 19%, Malaysia 40%, Gold 12%

March marked the largest drawdown of the year. No surprise here. MoM drop -21.69%
Asset Allocation :
Greater China 29%, US 13%, Malaysia 37%, Mining 10%, Gold 9%

Apr MoM went up 11.84 %
Asset Allocation :
Greater China 25%, China 26%, US 13%, Malaysia 20%, Mining 4%, Gold 9%

May MoM went up 5.01 %
Asset Allocation :
Greater China 24%, China 22%, US 13%, Malaysia 20%, Mining 4%, Gold 14%

Jun MoM went up 5.73 %
Asset Allocation :
Greater China 19%, China 22%, US 7%, Malaysia 21%, Mining 7%, Gold 19%

This post has been edited by WhitE LighteR: Jul 25 2020, 12:38 PM

Saving acc is different with UT.
UT now xuzen earn 1 month of the salary.
But next day can loss 10 month of the salary

But saving account now u have 1 month of salary
tmr u still have 1 month of ur salary will not fluctuated

every percentage that u mention represent one UT? 🤔
Or u oledi break down every UT that u hold according to geographical?

This post has been edited by ironman16: Jul 4 2020, 07:01 PM

No. Some can have more than 1 fund. I group similar region into one group. Makes modeling easier.

Oic, what is the fund that u hold?

Thanks for the share, kasi input idea sikit for my portfolio.

My portfolio got my own personal limitations that I have in term of cash availability and fund fees consideration. So the allocation n fund selection might not be optimal. But this is the best given the circumstances.

from his post, he mentioned equivalent....
it is just a number to represent his comparison value (which is not made known to us), thus he use salary as a subject in his post.
If you compared Yr saving a/c has an equivalent to 1kg of gold now, but if you did not exchange it now, it may not has an equivalent of 1kg of gold next month too

This post has been edited by yklooi: Jul 4 2020, 07:40 PM

Which US and China fund do you buy?

I will select base on my consideration, ur is just the guide or idea. 😁

How insightful you are, it is like saying water is wet or moon is round. So obviously correct. Good job

Thank god in my 46 months of tracking, I have never lose 10 months salary. Worse case was close to three months, in March 2020. There is another time which my port loses equivalent to about three months basic salary and it was around Oct 2019. You may ask, WTF, wasn't it painful?

To this, I shall give you a scenario. Consider a case of a amateur or occasional gambler going to Genting Casino. He brings with him RM 10,000 for a round. He loses all of it and cries wolf. He wails, laments and scream Genting is a cheater & scammer.

Consider another case of a seasoned player. He knows the odds and probability. He knows which game gives him the best odd per bet. Sure, he may lose RM 10,000.00 per round, but due to his diligence and knowing the odds, he regularly wins smaller amount which over a long run stacks up that can cover his lost with extra change in the pocket.

Odds & Probabilities are the analogy for Sharpe Ratio, Std-Dev and all those technical stats. Games are the analogy for unit trust fund. A seasoned player must know which UTF will give him the best winning odds. Sure, even the top horse may lose sometimes.

You main Pokemon: Gotta catch em'al ar?

RHB US & Manulife US
CIMB China & Manulife China

This post has been edited by xuzen: Jul 5 2020, 09:12 AM