what makes you think that....


In light of the MYR correlation, the funds and allocation might be very different in version 4

why u ppl correlation table so beautiful , mine almost all above 0.7.....

## number 9 is my coming few week to add , havent start yet....




### upload the correction, seen better oledi .....thanks dasecret

This post has been edited by ironman16: May 30 2017, 10:18 AM

Did you follow instruction to change the url to MYR or not. This looks like USD correlation

ya ka?......later check back......paiseh

post it up. I'm curious to try it on my own

how u guys get those tables so pretty? which excel sheet to use?

My selection.

No 10 is TA Europe.

I am still running multiple scenarios using Algozen™ version four. No final portfolio yet.



This post has been edited by xuzen: May 30 2017, 12:48 PM

boss, what is the line that u draw in the return analysis means?

Denotes efficient frontier line.

that is high level, i blur oledi... ...

google first....

These FSM managed portfolios are quite interesting.

If the option of subscribing to managed ports in FSM SG is open to me, should I consider the FSM SG over FSM MY?

FSM SG. Reason:
1) cheaper fees
2) wider selection
3) preserve the wealth (RM will depreciate against any currency in the long run)

Bro you really seems like having zero faith at MYR

Does this mean the managed portfolio has double fees charge?

1. Fund's sales charge + management fees
2. FSM managed portfolio subscription fee + portfolio management fee

Use Morningstar Malaysia > http://my.morningstar.com/ap/main/default.aspx
Register an account and create portfolio with all the funds you want, then follow the instruction below. The correlation table is inside the xray this portfolio pdf document

For now, FSM SG. The fund selection is much wider, that in itself is a good enough reason. Their mandate is also broader where MAPS can buy ETFs on top of just unit trusts like Managed Portfolio

At the moment also, FSM MY does not allow partial redemption which makes it tricky if you need funds for emergency purposes. FSM SG's MAPS allow partial redemption

I can have more confidence if:
1) price of goods which went up can come down. Do you see price of goods coming down?
2) subsidy is remove and where did it go to?
3) year in year out, request extra money in January for budget made in Oct
4) debts increasing
5) history have shown us how much the RM depreciate
6) even indon rupiah and thb baht beat our RM which should not logically happen.

This post has been edited by Ramjade: May 30 2017, 02:14 PM

In a way yes, but your understanding is not so accurate. There is no double sales charge, for managed portfolio you only pay subscription fees and not sales charge.

The "additional fee" charged by FSM for managed portfolio is the 0.5% portfolio management fee per annum.

The unit trust fund manager charges annual management fee and trustee fee as usual.

That's why robo advisor is cheaper in this sense, they charge portfolio management fee also, but the underlying assets are ETFs which has minimal management fee.

But in the end, one should compare nett returns. If low cost but low net return, what's the point?

What does that tell you? what does this mean, what can you conclude from this?


This post has been edited by wodenus: May 30 2017, 02:09 PM

Precisely. If a fund can beat ETF, buy fund instead of ETF.

RM long term view is downhill movement.

Two countries with lower growth rates have more "expensive" currency than one country with a higher growth rate, and you say rightly that logically that should not happen..

So your conclusion from that is that the currency of the country with the higher growth rate, and is currently a lot cheaper than the currencies of the countries with lower growth rates.. should be going downhill. An interesting conclusion.