I want to specifically answer your query that has been bolded. Noobies, this is advance class material , not kindergarten syllabus , if this is too complex for you, look away and go play at the sandbox .

Let us take the Malaysian big sweep as an example. There are seven digits starting from 000 ' 0000 to 999 ' 9999 . This means that there are 10 millions tickets each consisting of RM 3.00 per piece. RM 501 will let you acquire 167 pieces of tickets. The probability of winning the lottery is 1 / 10 ' 000 ' 000 x 167 = 0.00167 % chance. This means you have 1 - 0.00167 = 99.83% chance of losing that capital.

Now let now take TA GTF as an example. The 3 year average ROI is 21.5% and a three year average standard - deviation of 13.29%. Her one year to date ROI is 34.81%. Three year average return plus standard deviation = [ 21.5 plus 13.29 equals 34.79% ] which means the current one year ROI is very near to one standard deviation . This also means that the probability / chance of it regressing to its mean is 67% and only 1  - 67%  =  33% of it moving away from the mean.

Now compare this two situation, with lottery you have 99.83 percent of losing.

With TA GTF, you have 67% of it losing.

If your choice is between spending RM 500.00 on participating in a lottery draw versus participating in TA GTF , which one should you choose ?

Bear in mind , a lottery is a one time gamble , meaning for the next round , you need to add more capital .  Whereas TA GTF is always a participant until you redeem your units.

Xuzen

D1U! After I have written such a cheong - hei response you say the above !

   

That's one heck of a portfolio. Only 1 fund is performing negatively.

Congrats

because, ultimately, selina fund still has slight edge in RR ratio compared to manulife

Already reply. FM is from Rhb. The onr which cauae u-li fiasco. Now in interpac also invest in u-li again.

 
but with so much "work" won't it be easier to just go for UTs

Once upon a time, I also play stock -  market. Then a thought occurred to me , I think ,

" Can I be better than Lee Sook Yee        ? "

or

" Can I be better than the fund managers of KWSP , since those people have the best tools and research report money can buy ? "

or

" Those professionals fund manager get invited to meet the company board of directors and ask them questions directly. Who am I , a ikan - bilis investor ? Can I even meet them directly ? "

After properly considering the above , I come to a conclusion I cannot , and better don't waste time trying . Do not waste my effort to duplicate work done by better people .

Hence I moved away and become a portfolio manager .

Xuzen

This is something I can't understand:-

My RHB Asian income is now at +4.35% bought somewhere in September 2016 which means it's around 8 months now.

However looking at the fund return page
https://www.fundsupermart.com.my/main/fundi...e-Fund-MYOSKAIF

It shows 6 months:- 6.54%  1year:- 12.1%

So why the discrepency? Am i missing something

Gain on disposal of UT from FSM is non taxable.
However, the dividend received is taxable.

Yar yar.... through KWSP proper and not through KWSP - MIS .

Bolehland is rated three stars by FSM research team . China and HK are both five stars . I am in no hurry to come back to Bolehland just yet as I already have a large chunk of my asset parked in Bolehland through KWSP . Even not highly correlated also " boh chap " , I go cari - makan in negeri Tiong Hua first.

Xuzen

Pai - seh , pai - seh , I gave you a wrong impression . I am exposed to HK & China stock - market through AMReits and RHB AIF .

Xuzen

With CIMB it is MYR 10K divided by [ 1 + 6.5 / 100 ] = MYR 9,389.67 capital after deducting sales charge. Sales charge = 10,000 less 9,289.67 = MYR 610.33 .
With FSM it is MYR 10K divided by [ 1 + 1.75 / 100 ] = MYR 9,828.01 capital after deducting sales charge. Sales charge = 10,000 less 9,828.01 = MYR 171.99 .

Note the massive difference in sales charge deducted .

Xuzen

For CIMB , the GST is MYR 36.62 to be further deducted from the initial capital outlay.

For FSM , the GST is MYR 10.32 to be further deducted from the initial capital outlay. 

it's official trump just leaked classified information to the Russians. if he were to be impeached what will be the implications on the markets?

I'm thinking of skimming my profits in India.

Just read about eUT. Noob question but just wondering what is the main difference between eUT and FSM? eUT seem to have lower sc.

Thanks looks like another way to diversify the risk. pays to read read read and research some more.

such a long wait... last login 28/4. Now still not yet done. lol

What's the reason?

Sorry guys, it's my curse. Every top up I made will trigger something in the market, first lump sum = Trump tax bill rejection, second major top up = Article 50, this current major topup = Trump impeachment fear and FBI director firing