I liked that up and keep on rising feeling too.....

some people said...... they are just like when on Viagra with Vodka PLUS a young and sexy moy

but some people also said.....
Historically, when the US market has traded over 17X PE, those were considered times when valuations were high. That means that the chances of a market correction in that market over the next one to three years have increased. Certainly, there are other cheaper markets than US to be in. Thus, accordingly, one should reduced his/her portfolio’s exposure to US equities and move to other more desired lower valued regions.

currently I liked the 1st group of people more, thus will continue for a few more weeks to enjoy the Viagra with Vodka PLUS a young and sexy moy's feeling.
just hope the feeing would last.....it just feel so much uuuumph for the past few weeks.

I think I found the missing thing....those extra units from distributions......

I know what you are try to say and meant...I was just trying to be funny and sorry to have pulled your leg

how to have the desired predetermined ROIs at a desired horizons when there are so many General Risks of Investing in Unit Trust Funds
http://www.cimb-principal.com.my/Investor_...rust_Funds.aspx

There are many funds which do not distribute units...? For example CIMB Greater China, Manulife US

I guess for those funds, you have to enter and take your profit at the right time.

thanks for the info but then,
does it make any different?
this still applicable.....
http://www.cimb-principal.com.my/Investor_...rust_Funds.aspx

Distribution in UT is Left pocket out Right pocket in.

but perhaps should I change the wording from
I think I found the missing thing....those extra units from distributions
to
I think I may have found the missing thing....those extra units from distributions

This post has been edited by T231H: Feb 14 2017, 09:08 AM

Shouldn't this be applicable to ALL funds instead of those funds?

But like you said right, in his scenario, over time the fund has distributions and he accumulated more units. So even when the NAV grows back, it grows back with compound interest via the additional units he posses.

But with no distributions and re-invest, then the value of his investment is solely depending on NAV. So even when the fund starts to go up, it would be with his 1000 units. Do correct me if i'm wrong. I'm also learning.

This post has been edited by killdavid: Feb 14 2017, 09:18 AM

For funds that has no distribution...there suppose to hv nav growth. Thus accunulation of growth in nav. The nav growth accunulation over the yrs is the buffer to correction or dips.
To me for the funds that has distribution.....the extra units accumulated is the buffer.

This maybe out of topic but why you all think those high net worth people really confident to invest really big cash lump sum, sometimes up to RM1 million into UT when approach by agents?

Sorry what is the question ?

Are you saying there is nobody will invest in UT upto a million ?

p/s: Just want to confirm my understanding of the question.

This post has been edited by puchongite: Feb 14 2017, 10:33 AM

Hi Sifus, wondering what do you all think of my portfolio. Currently still berry new...

AFFIN HWANG SELECT BOND FUND - MYR 10%
RHB EMERGING MARKETS BOND FUND 10%
CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND - MYR 20%
CIMB-PRINCIPAL GREATER CHINA EQUITY FUND 10%
AMASIA PACIFIC REITS - CLASS B (MYR) 20%
CIMB-PRINCIPAL CHINA INDIA INDONESIA EQUITY FUND 10%
TA GLOBAL TECHNOLOGY FUND 10%
CIMB PRINCIPAL GLOBAL TITANS 10%

Cimb Greater Chinese or Cimb China India Indonesia
TA Global or Global Titans.

I personally agree with how T231H explains this. I am not even sure if the term "compound interest" should be used in anything other than deposits (and in some cases, loan).
If the term "compound interest" is acceptable in Unit Trust, then perhaps the buffer analogy is a good way to let newcomers understand difference between deposits and UT (where profit is based on capital gain).

What is not true? And how is a simple statement on compounding returns not true?

No doubt, the nav price will may be moving up and down daily, but if its net weekly growth maybe positive. It maybe negative growth for this week, and it could be net positive by the end of the month. It maybe negative for the month, and still be net positive for the year...

So say, the profit is trimed this month, and the fund's performance continues to grow next month... there is no compounded growth since the 'profit', that was already taken out, did not 'grow'.

Initially, the difference may not be significant , but compounded it 50 or 100 times over... Don't you remember what you qouted a few pages back on an example on what compounding can do on a smaller sum of invested money? (The smaller sum invested due to service charges.)

BTW. Why just trim profit? If you think the market will be bad in near future, might as well take all out. Just trimming the weekly or monthly or yearly profit of several percent is not going to help mitigate the negative growth on the remaining 100%.

By your thoughts of "skim profit and pump back when it is low", this shows that you have yet to begin any regular UT investments. Still a student depending on monthly allowance from parents?

This post has been edited by j.passing.by: Feb 14 2017, 10:46 AM

Yes I don't believe in this idea of "skim profit" thing which is often talked about in this thread, mentioned by many people.

"skimming profit" is just effectively "reduce your investment or exposure" in a fund.

The worst is that "skimming profit" gives people an impression as if the capital can be protected by doing "skimming profit". Which it can't !

so with you it's all or nothing then? in terms of taking it out.

No I don't mean that. "Skimming profit" means only take the profit portion and put it somewhere else.

If one wants to scale down exposure, he can scale down any amount he likes, not limiting to the profit portion only.

Skimming profit effectively reduce your chance for future growth.

Reinvesting the profit elsewhere will also charge you SC (in UT) or commissions (in stock trading)

If you believe the region is going to bearish soon, sell all will be better than skim profit since you will still expose your capital to the bearish risk

Thanks so they indulged in some window dressing to earn some extra fees

got it thanks.