nah. not my cup of tea

Time for some of you to reduce your EQ ratio?


sourced from

https://www.fundsupermart.com.my/fsm/manage...tment-portfolio

do you guys /girs think it is possible or realistic to have this ratio with this roi?
if ok...sailing for 8% ROI with just 50% EQ......very comfortable to sleep at nights?

This post has been edited by T231H: May 26 2017, 12:46 AM


Attached thumbnail(s)

mind and care to calculate how much can be "saved" for each of the 50 persons?

Why Some People Should Consider FSM Managed Portfolios?
https://www.fundsupermart.com.my/main/resea...ortfolios--8394

10000 x 0.005 = RM50/year
10000 x 0.005 x 50 = RM2500/year

thanks responding....
with just RM4 "saved" per month......
I may not so keen to be rushed to make this hasty decision because the FAQ stated only selling of entire investment is allowed......once subscribed,.....if and when in need of some money....

https://www.fundsupermart.com.my/fsm/manage...nd-services/faq

50 people and max RM10k. What are the odds you are the lucky 50 Well that's faster than expected. Arrival of FSM MAPS. Even interface also like FSM SG.

Very true... might just get an email stating we missed the 50 slots

Maybe @T231H can explain how to know we will be the lucky 1?


This post has been edited by ganaesan: May 26 2017, 01:09 AM

Yes. Affin hwang select bond itself give you 6-7%. You just need something to give you that extra 1-2%. Combo of india + china + ta tech should get you there.
I reckon 60-70% into Affin hwang select bond. The remainder divide equally into india + china + ta tech.

If you don't like Affin hwang select bond, can always replace with Manulife AP reits. Sure to get you there.

Eg
70% Affin Hwang Select Bond Fund at 6.5% return = 4.55%
30% equally into india + china + ta tech at average 18% each return give you 5.4%
Total = 9.95%

50% Affin Hwang Select Bond Fund at 6.5% return = 3.25%
50% equally into india + china + ta tech at average 18% each return give you 9%
Total = 12.25% > the 8%

This post has been edited by Ramjade: May 26 2017, 01:17 AM

with 50% at FI too?

50 people and max RM10k. What are the odds you are the lucky 50 hmm.Well that's faster than expected. Arrival of FSM MAPS. Even interface also like FSM SG.

Very true... might just get an email stating we missed the 50 slots

Maybe @T231H can explain how to know we will be the lucky 1?

This post has been edited by ganaesan: May 26 2017, 01:12 AM

See my edited post.

for me, I would try call up the CS,...tell them if can be among the 50,..then subscribe....
else no deal....

that is 100% EQ
I would go for 8% (just 2% less than yours) but at 50% EQ
I too chicken mah...you got iron balls

Good one.

In case you missed it
Eg


This post has been edited by Ramjade: May 26 2017, 01:19 AM

it might work...
thanks for sharing....

70% Affin Hwang Select Bond Fund at 6.5% return = 4.55%
30% equally into india + china + ta tech at average 18% each return give you 5.4%
Total = 9.95%

50% Affin Hwang Select Bond Fund at 6.5% return = 3.25%
50% equally into india + china + ta tech at average 18% each return give you 9%
Total = 12.25%

with a possibility of 10% ROI, would propose go for the 70% FI.......(for those that are risk adverse)
compared to 12% ROI at 50% FI

btw, any chance of you go for that now? or you aimed for higher...guess you did not go anywhere near 50% at affin bond...

This post has been edited by T231H: May 26 2017, 01:54 AM

Never had any bond funds when I started. Didn't see the need for one. Decided to add United in December because of potential 10% return. Sold that off last week as returns were kind of like amasia. Too slow for a 10% bond fund. Converted the cash to SGD Not going to hold anymore bond funds. Better I go with reits in an increasing interest environment. At least reit manager can raise rental to offset higher interest. Bond issuer can't do that. Yield is fix but for the yield to be fix, the price needs to drop. So no more bonds for me unless maybe for emergency cash supply in malaysia. Thinking of amanah saham/affin hwang select bond fund.

If market crash? Add more into whatever UT one is holding lo. No need to depend on bond fund. Just wait it out. Hence that's why I don't feel I need a bond fund.

Manulife AP > United HY bond fund > Amasia

As I mentioned, I am pulling out from FSM MY and transferring my portfolio to SG. Time is not right yet. Not getting the total return I want. No bond funds for me over there. Too slow. I will only use bond funds in SG for parking purposes (if there's nothing good to buy in SG market - learnt this from some singaporean as MMF over there give miserable ~0.9% and there's no eGIA-i over there. The best FD give ~1.x% )

This post has been edited by Ramjade: May 26 2017, 02:22 AM

this may have been asked before....
when have you started to move to FSM SG?
has the moved been completed?
when has it complete?
what is your expected returns for this FSM SG portfolio?

Actually it have reached my min amount that I want ed which is10% in a year. But I am not satisfied that it's not going up higher. Drag is caused by manulife AP and amasia. Both single digit return. But my other funds are all double digit.

I haven't started but I have opened my account since January. I don't have enough money to buy both UT and stocks on SGX (s-reits + high dividend counter + defensive counter. I am more of a dividend investor). So I decide to go the SGX route first. Generate some SGD first. So far it's working. May and June will be my collection time.

Already made my watch list for SG UT. Just no money to buy and time isn't right.

That's why I waiting for india to drop so I can make my first SG UT purchase.

Have it started?
- It was close but as mentioned above nope.

When has it completed?
- Most likely next trip. There's only so much cash one can bring per trip. You can ask AIYH and see if he's completed his transfer over there.

Expected return
- Min 10% a year (same as malaysia case). But big difference with malaysia 10% vs SG 10%.
- Perfectly fine with (-) return for some year

Startegy going forward
- Split my RM equally into SGX stocks and SG UT.
- SGX to earn SGD regardless how is the market via dividend investing.
- SG UT for growth
- None will be invested in malaysia except for PRS

This post has been edited by Ramjade: May 26 2017, 08:58 AM

Yeah ppl here so actively managing their portfolio, this is not for them la. Those ASx or FD fans should consider this la, autopilot
I would quite likely put in, just to see how they perform. But I still have credits which I haven't utilise and now I need to pay front end charges again

Steven7 MAPS is here in FSM MY!

It's very do-able. My mum's portfolio of 60EQ: 40FI is making close to 9% p.a. at the moment. The portfolio is 2 years old

This post has been edited by dasecret: May 26 2017, 10:34 AM

Actually it's the first 50 instead of lucky draw basis. So if the product was just launched yesterday, if you sign up today there should be a good chance to get it. Not everyone can mobilise RM10k immediately, some ppl would want to wait for FD to mature or earn this month's ASx dividends first

I've also confirmed with live help that the 0% portfolio management fee is for the entire duration you hold the portfolio. So every year you would save RM50, for 20 years if you decide to hold it for so long