US econony expand at faster pace (since tax cut = more money to company which can be used to pay more bonus to worker/dividend to investors which cause more people to spend which improves the economy further).

Now economy cannot increase too fast or else will be "overheated" hence feds will have to increase interest to keep the economy in check (like pressing brake). Say original no of hikes is 3x/year. But because economy is good, no of hike become say 6x.

When interest hike happens, US deposit become much appealing vs bonds. (Eg 3% FD in US bank vs 3% bond coupon, which one will you choose? I will choose FD as it's much safer than bond).  Hence when hike increase, bond price will drop to give investor higher yield (remember when price drop, bond yield increases and vice versa)

So if US FDs suddenly more attractive, you holding malaysian FD at 3%, will you want 3% in RM or 3% in USD? This will cause major exodus of money from asia

Let's not forget that bond coupons are fixed. Reits rental are not. So if economy is good, reits can increase rental to offset higher interest rates but not bonds.

All this are theoretical. First step is can Trump walk the talk? If he can walk the talk, expect US to become very very red.

Second thing, US is still flushed with money, will the extra money helps?

if you ROI did not continue to improves....your IRR will eventually comes down.

ok...noted....
I was contemplating to "sailang" all (include my whole EPF) into it 
(plan to keep 10% of it into AHSB & CMF as house whole emergency fund)
then withdrawing annually (from managed port's assets) to cover the annual expenses
workable??   or 

For me I think DIY during promotion time, and FSM managed during non promotion time.

exactly
I have come to realize the weakness that is unit trust investment. why is it so that we are unable to switch from one fund to another freely plus I'm having a better hand at stocks.
depends on the email I'm getting. if they ask me to sell off I'll just tell them I'll wait till they allow me to do so. the need my clientele not the other way round

Hey YKLooi.

I'm unsure how's your total / holistic approach and what is EPF's role in your "investment team's roster" thus can help much. However, if i may, i'd like to share what role EPF will play when i'm "mostly" retired - ie. living on trades & investments, to open it up for constructive criticism / thoughts on "how to make better", if U and fellow forumers in our age bracket be willing 

1. Big picture asset allocation will be:
1/3 in Fixed Income (cash, FD, flexi-mortgage, EPF, bonds if worthwhile crash happens for bond market)
+ 1/3 in Businesses (including trading & general stocks investments)
+ 1/3 in properties (including REITs)

2. Control variable:Fixed Income
a. EPF will be part of my Fixed Income "players" since die die 2.5%pa returns and averages about 5%pa in the long run

b. I'll hold cash/FD/Flexi-morgage (also part of Fixed Income) to live on for "1 year's expenses +3 month's expenses as buffer"
then every year reload from EPF & trades manually +dividends automatically.
Note - i'm planning to live on 3%pa to max 4%pa of the total asset allocation, ie about half of expected average total returns pa. Hope la heheh

c. IF at any time, Fixed Income's % hits >=39% of asset allocation (ie. ran from planned by 20%+/- of 1/3), that should mean there was a worthwhile equities crash - past tense, was, ie. not "crashing". Thus, worthwhile to buy into equities - execute REBALANCE

d. IF at any time, Fixed Income's % hits <= 27% of asset allocation (ie. ran from planned by 20%+/- of 1/3), that should mean that equities have ran up a lot OR i've overspent , need to rebalance and/or look/ into my spending and replan where possible.

3. Reason for all the above:
To have enough for a simple life (not eat Alpo, nor grass) + give back big when i'm gone (thus cannot "spend down" assets totally)

Whatcha think?
Somewhere along the lines as yours?
Any big logical holes to plug?
Any & All constructive criticism, with (3.) in mind (have the goal in mind, 7 Habits ) is greatly appreciated

3. By the way, what's the minimum portfolio size for your plan to be workable? If you don't hit that sum, where/how would you tweak?
RM1.6M based on my expected retirement lifestyle of RM4K pm in current value.
ie.
($4K pm expenses *12 months = 1 year's expenses) / 3% draw down = $1.6M

IF i don't hit that sum, then reduce my expenditure planned down to a minimum of $2Kpm of current value lor - survivable with everything paid off +a new cheap car/fridge/washing machine on/off - slightly painful but do-able. Old Chinese saying - Horse die, get down & walk

Note - i'm expecting TOTAL average returns to be 6%pa, thus spend half, re-invest half (to beat inflation & have something worthwhile to give back when kaput)
Why 6%pa?
1/3 * 4%pa Fixed Income = 1.33%pa
+ 1/3 *8%pa Business, Trading, "normal" stocks/equities =2.66%pa
+ 1/3 *6%pa Properties / REITs = 2%pa
= 5.99% total average pa

Hope the above is logical - please feel free to throw logical bricks/batts at it 
Note - i'm a pessimistic optimist, ie i believe there can be a better tomorrow by taking into consideration of kakas that can happen 

If I could hit a re-do button, it would be not getting into any physical properties for the long term as a passive income for retirement.

With properties, one need to save up for the 1st payment and take a loan. Taking any loan is a necessary expenditure in that there is interest incurred. And not to mention to whole gamut of legal fees, stamp duties and whatnot. Unit trust funds is the better choice.

The extra money left from the monthly salary, I believed, is better utilised and more efficient when it is put to work (in an investment) almost immediately; instead of waiting for the right investment opportunity as in looking and waiting for the right property to have.

There is simply too much work involve in getting passive income out of a physical property. Reits funds, dividend funds, or balanced funds on the other hand... just sit and the passive income will roll in by itself.

At the moment, extracting myself out is another batch of work to handle. So many things to do, so many people to meet.

It is so much different from dumping a UT fund - just a press a button on the keyboard, and its done.

As for having a business (to generate some passive income), can't comment too much without sounding silly as I don't think I have a buisness mind. Nevertheless, I don't think there is any lucrative business waiting for eveyone out there on the street.

The returns from the business could be slim and marginal. I believed, most of the time people open a business so that they can hired themselves. This way, in other words, the returns from the business can be considered very good when it includes the withdrawal as salaries even though the net profit is slim and marginal.

But I want to retire because I don't want to work. I don't want to work for any salary because my passive income from my UT funds and EPF would be enough.

(I hope it would be enough. Otherwise, cannot retire... work till I die.  )

Thank U for your thoughts & feedback bro.

On the "business mind" - same here. I'm a typical nerd, thus my biz is investing & trading only heheh.

I've sold off my rental properties already - similar pains as U, mine's mostly from lousy building management OR questionable joint-management folks.

However, i'm always game for properties again if the value Vs cost is right or worthwhile. Anything proven long term vehicles & legit is fair target to me if it's for high (Value/Cost) - even gold, which i treat as just another type of currency.

Currently using UT as a "shotgun" for emerging markets (not specific MY UT for me) as i'm focusing more on developed markets' & MY's stocks, thus "outsourcing" for emerging markets - not smart enough to look at so many things 

Of all statements I have read, this statement made by Neoh is what I like most:

Neoh says the most important principle in investment is to be well diversified because a single good choice can compensate for several poor choices. “The mathematical principle that most ­investors don’t understand is this: What is the biggest loss you can suffer in one share? 100%, right? But what is the biggest gain you can make from one share? It can be infinite.”

My IRR stagnated around 11-12%.
Amreits is a drag on my portfolio, giving IRR of only 1.26% 
....will exit completely.

I maybe wrong and incorrect....
but "IF" my estimation is correct.....
I think your IRR will continue to drops since it is after the 12 month period.....unless the MOM ROI is larger from now on....
don't ask me how the IRR calculates....for I don't know
I just see that the ROI values will be diluted by the months ....

just a note......if you continue to see your IRR values drops...don't fret too much.

Another month passes....

Oct 2017 is a happy - happy month right? All your ports went up-up-up. Syiok boh?

Time for another tok-kok-sing-song-blow-water post. "My daddy is bigger than your daddy" type post.

[attachmentid=9293551]

Port did a 2% M-o-M gain. That translates to one of my best M-o-M ROI for the past 12-mths rolling tracking. To give an idea, a 2% monthly gain is like 50% of my gross salary.

In the precceding 12 months rolling, only one month gave a negative return. The other eleven months are green.

Overall port ROI is 8% p.a. Risk to reward ratio is 1.17, Distribution of ROI is positively skewed with negative kurtosis. This means that my expected value have more tendency to cluster around the mean value. In this sense, it means it is more predictable than positive kurtosis value. Large positive value kurtosis means that extreme outlier outcomes are more prevalent.

Forecasted future ROI is exponential with respect to time. 

The port's alpha is generated by TA Tech and China fund. Manureits and Esther bond meanwhile made my beta small which meant that the overall port does not swing up and down too much (maintain low volatility). RHB EMB & IDS meanwhile are there as wildcard (pure diversification) as sometimes they do provide pleasant surprises. My IDS exposure is mainly because of the PRU - 14 narrative.

Xuzen

try this...??
https://www.fundsupermart.com.my/main/home/index.svdo

Me too. Yesterday and today can't load the page, either that or extremely slow.

Haha what a conspiracy theory.

I don't think TM is so free to do it.

Due to Google DNS. Remove it then should be OK. Something happen on Google DNS...

try clear cookies...?

Did u use ipv6? try disable it see.

How to remove Google DNS har?
and why oni fundsupermart site got problem, other website don't have DNS issue??

I used Unifi at home and I don't have problem.

Did you try to change the DNS server as proposed ? Don't know about iphone, but on Android, the play store should have a few DNS changer apps which you can try, for free.

p/s: Some free google store VPN software also has the effect of changing DNS.

what browser are you using ?

Did you try with Private Browsing (IE and FireFox) or Incognito (Chrome) ?

Try installing these two software for Android :-

(a) DNS Lookup (2) traceroute

1. Run 'DNS lookup', enter 'www.fundsupermart.com.my', check the IP address returned.
    Should be 192.229.189.105 or similar.

2. Run 'traceroute', enter the IP address return in (1) and examine the result.

Yes, still the same problem for me like u.
Only Unifi connection got problem.

Can i know which website or excel you use to keep track of your PF? Is this the polarbearz excel?

Anyone holding Interpac Dana Safi?

The chart is showing bearish. Should I sell or switch it to other fund?

Everyone is so interested in the performance of IDS lately. Looks like some may have gotten burned when IDS was hotly promoted here. Steady my friends.. give it time.

I wish they have more updated fund fact sheet though.

Only those that might have thought they are an aggressive investor who can cope with a high level of risk. However, in practice, if they find that they always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments may not so suitable for them because they are likely to cause them to lose money.

Sui Jau's ....
"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount. Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust. Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash. The key thing is you have to accumulate investing experience. No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher."