well it's a risk I am willing to take. rather than putting this cash into fd

yes you are...but is he?
10~15% pa wor...isn't that a bit too optimistic?


This post has been edited by T231H: Feb 15 2017, 02:28 PM

Doable based on portfolio simulator, say allocating 40% to ponzi 2.0 and the rest 20%.

Okay. Another noob question. What about PRS fund? It's essentially non redeemable till retirement age. So should I include it as part of my portfolio in excel or just forget about it? Any significance?

personally? no I don't consider it as part of my portfolio.

I'm only doing prs (will be in December 2017) to enjoy the tax relief. once they stop the tax relief and free money i won't bat an eye lid at it. I don't like the idea of locking money until I'm too old to enjoy it.

Of course not. Thought about it then cancel as IMO, it's not worth it. I am more of autopilot person. Doesn't want to moniter so much.

Reasons:
(i) well to get ammo for my next SG trip in march
(ii) 12% profit is better than no profit right? Cut loss while it's still climbing


I believed 10% is doable. (United asian HY bond fund a perfect eg) 15% if you got nerve of steels.

Agreed with Avengelice. If they stop the tax relief, will not buy anymore.

This post has been edited by Ramjade: Feb 15 2017, 02:55 PM

What so special about this United Asian HY bond fund ? Around 20% return for previous year ?

Guess instead of waiting SG platform for that fund, i will just transfer some from Esther bond to there

You can check the target fund in SG platform

It's a AP bond fund which give 10% returns per year. Not as volatite as RHB ATRF

Min starting amount is rm10k. You got the moo? ?

This post has been edited by Ramjade: Feb 15 2017, 03:15 PM

I just checked the fund factsheet, it is not limited to AP, UK, netherland and what not are there too !

Given up on RHB ATRF already.

Esther bond is not part of my portfolio, rather, my FD reserve, so roughly enough to meet the minimum requirement when transfer

If convert also 3k SGD like that LA, not too big

Cos in poems, I will need to minimum top up 500 SGD to it, whereas if I put in Malaysia, RM 1k (roughly SGD 300) minimum top up only, also save TT charges and self Forex conversion

For SG part United asian HY bond only need sgd1k. Way lower than here.

Save TT charges and self forex = go there and deposit money?

True for initial deposit, but if want top up, then need minimum SGD 500 vs here rm 1k only

Easy for me to do saving here

Go over there need transport cost plus time, for me ikan bilis, not worth all that effort

Another silly question. To be eligible for the PRS Youth thing. (Yes, I'm still young.) It's stated there gross contribution needs to be RM1000.
However, if we put in RM1000 for the first time, service charge and administration fees would be deducted from the gross sum giving a nett investment amount of less than RM1000. In such instance, do I need to top up to make the gross amount RM1000 so that I would be eligible for the incentive?

From the website, "minimum contribution amount must be a gross amount of RM1,000 which is inclusive of all fees and charges." So I assume they shall overlook the account balance which is less than RM1K.

This post has been edited by skynode: Feb 15 2017, 04:48 PM

PRS in FSM is 0% SC.
admins fees and other charges is in the NAVs
only PPA a/c opening fees is charge able.
see PRS FAQs
https://www.fundsupermart.com.my/main/faq/1...cheme-PRS--8865

as long as you cash out 1000 from ur pocket to there, whatever charges, it is still 1000 being counted

I am young too

Bravo. Thanks.
": AM I ELIGIBLE FOR THE RM1000 AFTER THE DEDUCTION OF PPA ACCOUNT OPENING FEE OR ANNUAL FEE?

A: Yes, you are eligible for the RM1000 incentive as long as you have fulfilled the minimum gross investment amount of RM1,000 within a calendar year."

Agreed. I'm just pretty optimistic with the US economy at least for the 1st Q of 2017. Investors seem to be happy and propelled with Trump's policies.

I was about to mention the highlighted sentence and you did it before me.

I see a lot more in her apart from the returns

Amasia returns pales in comparison to Manulife AP REITS

This must be the most active thread in Lowyat. I don't think we need to monitor the share market anymore. Just monitor this thread. If it is very active, this means the share market is going up.

When is a good time to take profit? To wait for Trump's 100 days honeymoon period to finish? Or to do it now?

If you are doing it now, how much profit to skim off? For the ultra conversative or kiasu, they will skim off all the excess profit.

For those practising Value Averaging, if your profit is more than 4% from 1st January 2017 until 31st March 2017, then to skim off the extra 1% profit ala Value Averaging style. This is based on the assumption that you intend to make 12% per annum or 1% per month. The percentage to skim off will depend on your targeted annual profit.

For those who think they have over invested in US, they may sell off certain funds completely.

P/S: The more elegant term seems to be portfolio rebalancing rather than skimming off profits.

This post has been edited by Vanguard 2015: Feb 15 2017, 05:15 PM