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 FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

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xcxa23
post Mar 18 2021, 01:31 PM

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QUOTE(lee82gx @ Mar 18 2021, 12:05 PM)
Received today. China still tanking. Damn.....This really does amplify the message that if there is anything to brag it'll usually be from your heroic actions 2 years ago not 2 months or 2 weeks ago.
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Completed my top up for china this week.

xcxa23
post Mar 19 2021, 09:45 AM

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The fees seems cheap
The lowest I'm using, rakuten and hlebroking is 0.1%
And fsm only 0.05%
xcxa23
post Mar 19 2021, 01:43 PM

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If any of you interested in dividend stock
I suggest looking into
Maybank
Axreit
Wellcall
Uchitech
Disclosure, I do own the mentioned stock. Reason why recommend, they still pay reasonable amount of dividend with reasonable capital growth despite covid.
Of course there might me other stock but I do not do any research on them so can't recommend.

Please do recommend. Sharing is caring.
xcxa23
post Mar 19 2021, 02:24 PM

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QUOTE(yklooi @ Mar 19 2021, 01:49 PM)
thanks for highlighting...
any idea where can get the historical total gain (total dividend received + total price growth) of these stocks?...
preferably on YTY basis......

just to compare if holding these few stocks is "better" than those professionally managed one
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It's hard to find, need to do your own calculation but one may start here
https://m.malaysiastock.biz/Report-Analysis...dend-Stock.aspx

Also a word of cautious
Dividend growth investing in Malaysia practically "useless" as compare to the west
Once you do your research, you will get what I mean.
Imo, it's ok to add some good dividend paying company in your stock portfolio.

Most importantly,
Don't get caught with dividend yield trap

This post has been edited by xcxa23: Mar 19 2021, 02:26 PM
xcxa23
post Mar 22 2021, 11:32 AM

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QUOTE(MUM @ Mar 22 2021, 09:58 AM)
mad.gif Damn  vmad.gif

just when you think it is over,....
then this came along...

" Expected policy changes by the U.S. Federal Reserve could have an adverse impact on China's capital inflows, Wang Yiming, a newly appointed policy adviser to the central bank, said.

Capital inflows into China have increased as the yuan has appreciated, but any "marginal changes" in the Fed's policy could impact global fund flows, Wang told the China Development Forum in Beijing on Saturday.

"Previously, the local currency appreciated and capital flowed in. But that (Fed policy move) could bring about adverse changes, which could have an impact on market expectations, capital markets and asset prices," Wang said.

"How big the impact could be? It’s hard to estimate, but the risk does exist."

The U.S. economy is heading for its strongest growth in nearly 40 years, the Federal Reserve said on Wednesday, and central bank policymakers are pledging to keep their foot on the gas despite an expected surge in inflation.

The Fed may have to change its policy over time if U.S. inflation rises sharply, Wang said."

Fed policy changes could hit China capital inflows - central bank adviser
Sat, 20 March 2021
https://sg.finance.yahoo.com/news/fed-polic...-133750698.html

reserving seats for another coming roller coaster ride  innocent.gif
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not sure if i can explain it properly but its similar situation with the yield fiasco

the fed have been continuously stress, before and during covid that they aim for 2% inflation rate
but despite multiple announcement from powell mentioned they dont plan to rise the interest rate until at least 2023, the market/investor still get spook

the inflation rate are bound to rise ''sharply''
simplest example i can think of

pre covid = 2.3%
during covid = 1.4%
fed aim = 2%

1.4 heading to 2% = 0.6% up
approximately 40% increase in inflation rate which ''looks'' significant

This post has been edited by xcxa23: Mar 22 2021, 11:42 AM
xcxa23
post Mar 25 2021, 10:27 AM

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QUOTE(MasterConfucion @ Mar 25 2021, 12:05 AM)
China is good for long term play or not? They seem always get bully by USA and not so stable ?
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China apparently going full throttle in tech, renewable and semicon sector.
They want to cut off reliance of the west
While I think it's possible but probably still long way to go

What's your view and thought on china development/plans in the long term?

This post has been edited by xcxa23: Mar 25 2021, 10:28 AM
xcxa23
post Mar 25 2021, 10:45 AM

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QUOTE(MasterConfucion @ Mar 25 2021, 10:42 AM)
My thought is China always get bully by US. Like recent hua Wei case they thought they can go independent but it's not as easy as they think. In the end both suffer but still China cannot independent cos US is superpower and big influence with other major countries.

Also the bad image people have in China.
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So based on your view, will you invest in china?
re-reading your reply seems like its a negative view, might better for you not to invest in china since if its dipping, you probably will not DCA and high chances you will lock in your losses

This post has been edited by xcxa23: Mar 25 2021, 11:42 AM
xcxa23
post Mar 26 2021, 12:30 PM

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invest during last Q of 2017
DCA monthly and during dip

Attached Image
xcxa23
post Mar 26 2021, 01:42 PM

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QUOTE(killdavid @ Mar 26 2021, 01:31 PM)
Sigh, don't know how to help you. I disagreed with your approach in the past but i mostly held back from being overly critical as with this thread's fav quote, "there is no right or wrong".
It is very common for new investor to pick the top performing fund of the moment to start off their portfolio ...but those mvp are only top for the moment. Its a cycle and it comes back down. Unlucky for you that your pick are now "off season". Also take all comments here with a grain of salt. Everytime stock slide people will proclaim buy the dip and as you experience yourself ....how long can you keep it up ? Maybe its time you switch off and let your investment sit and grow over time. Over analyzing is not helping.
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Mind sharing your p/l % and what's your holdings?
xcxa23
post Mar 26 2021, 02:08 PM

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QUOTE(killdavid @ Mar 26 2021, 02:00 PM)
I don't track my investments closely. No spreadsheets, no weekly or monthly tracking. All I can say is my portfolio shrunk %6 from the 2021 highs.
user posted image
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Same here, I don't track so in details. Only using fsm website

seems like yours portfolio is pretty balance
Am interested with the current ROI and how long have you invested.

Mind sharing?
xcxa23
post Mar 26 2021, 03:27 PM

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QUOTE(killdavid @ Mar 26 2021, 02:29 PM)
Like what you have shared ? I think it is not an accurate picture as lineup of funds changes, some funds held longer some shorter some exited.
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It's ok. I just want to know your current ROI.
Since you don't put much of the "hot" "top" fund

Invest since last Q of 2017
Monthly DCA and during the dip
Here's mine ROI
Attached Image

And my allocation
Attached Image

xcxa23
post Apr 12 2021, 01:56 PM

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QUOTE(lee82gx @ Apr 12 2021, 01:22 PM)
same, I wouldnt touch EPF money. They are paid to give you 5-6-7% without loss. If the rest of your money doing great you should not have issue to reach end game, if they are not, then you should not touch the backup plan.
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On paper, EPF guarantee return of 2.5%
Any more than that are bonus.

xcxa23
post Apr 12 2021, 02:12 PM

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QUOTE(lee82gx @ Apr 12 2021, 02:04 PM)
yea, but have they given any less? It has always exceeded GDP growth. Its really up to the individual. I won't comment further.
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I just want to clarify that such statement "paid to give 5-6-7% return" are not true.

xcxa23
post May 13 2021, 02:40 PM

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QUOTE(WhitE LighteR @ May 13 2021, 12:38 PM)
i dare not buy now. scary. most of the fund is close or below their 200 sma. overall other global indexes also not look so good.
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slow down top up during jan and stopped on april on all investment except crypto tongue.gif
most likely will stop until july

izzudrecoba
im just gonna reply here, to not further derail the thread.
thanks to him, manage to top up more of ADA and XRP
and thanks to him again ADA rally tho XRP still lagging



This post has been edited by xcxa23: May 15 2021, 05:07 PM
xcxa23
post Jun 30 2021, 03:38 PM

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QUOTE(ganesh1696 @ Jun 30 2021, 01:43 PM)
Hi,
ARKK has turned green now and my affin portfolio turned green after some top up and few weeks ago I trimmed my holdings.
Holdings on both FSMONE and eunittrust are green.

But not sure how long this trend goes. Or it's temporary?
Thinking of disposing all  affin global disruptive at no loss.

Considering Franklin Templeton US Opportunities (MYR) fund and some European funds. Remain neutral on CHINA funds.

Deciding to buy now or later as there are many rumors saying that stock market could crash?

Don't know whether the market will crash or "major correction".
So confused.

Will decide in few days.
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In my opinion,

Crash I doubt, correction of 5~10% yes
Probably July
I believe US still in secular bull which

There's no indication of their fed will stop their "QE" YET and the interest rate, their fed did mention earliest 2022 which did not tank the market few week back.

xcxa23
post Jul 27 2021, 03:59 PM

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QUOTE(jj_jz @ Jul 27 2021, 03:34 PM)
Hi all, I have sold most of my heavy china related fund into cash account first, to secure the profit and waiting for a better chance to reenter at this moment instead of DCA as I believe this major crash will still happening for a period.

Just wondering, i think we all agreed that this china crash will affect most of the market, asia and US. Would like to hear from you all on your perspective into this.
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I believe once US earning season is over there will be correction happening.
Probably within August
xcxa23
post Jul 28 2021, 08:26 AM

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QUOTE(xander83 @ Jul 27 2021, 07:56 PM)
Won’t be that soon until Jackson Hole is over

Correction will likely happen mid Sept when falls season starting coinciding with newer COVID20 infectious strain so tread carefully  rclxms.gif
Silly to buy falling knife now as more crackdowns are happening coming next month  doh.gif
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Have been scaling out half of my position since late June as anticipating for correction.
Will start to slowly accumulate US stock during the dip.

As for UT, just top up min amount whenever there's dip.
xcxa23
post Jul 30 2021, 09:54 AM

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QUOTE(tadashi987 @ Jul 30 2021, 01:43 AM)
Damn the fee much expensive than midf for us stock
xcxa23
post Jul 30 2021, 10:41 AM

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QUOTE(tadashi987 @ Jul 30 2021, 10:33 AM)
but user interface is much better
see future if other market disruptor will come in and will they revise the fee by then  rolleyes.gif
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i will pass
my current brokerage are 0% trading fee
plus there's others brokerage like moomoo, midf, tiger

tho ppl that trade >11k USD per trade will most likely have peace of mind using this.
me small potato, per trade <11k USD

This post has been edited by xcxa23: Jul 30 2021, 10:42 AM
xcxa23
post Aug 4 2021, 08:35 AM

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QUOTE(Fledgeling @ Aug 3 2021, 11:52 PM)
Thanks for sharing.
So, is it better to buy a fund that has shown a big dip (could be undervalued now) or something which has been quite stable (not much dip?)   rclxub.gif
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Personally, would go after both big and small dip fund. Some what like 70 big 30 small, accordingly to your regional allocation

Also need to check the fund factsheet. To roughly know what's their top holdings. There might be similar in holdings, but the percentage usually differ.
From there you can research if the holdings suit you/you have confident in those companies. (Bear in mind, those factsheet data usually lag a month but nowadays sometimes it lag two months)

Like what mum said, it might drop further or it might not. Plan and use your bullet accordingly.
Some prefer lump-sum then DCA
Some prefer small sum then DCA
Whichever method is good as long as it give you peace of mind

This post has been edited by xcxa23: Aug 4 2021, 08:37 AM

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