Keep abit lo since not much also... lol
Election near? I doubt. At least half a year to go.
But I see lot people in my kampong start wayang ad lol

you are not alone,...many people used to think of "higher the risk higher the returns".......
I think it because of ...sort of cumulative compounding effects of positive accumulation thru out the years....

Make me wonder why I have been building a so called aggressive portfolio with 80% EQ and 20% bond all these while. 

I think because 2008 wipe off huge chunk. 1998-2008

Manulife US sharp fall due to dividend declared ?

Algozen™ version four speaketh; listen well...(The values are now in MYR correlation).

I tried putting in various UTF(s) into Algozen™ and letting her run the numbers. Maximum per simulation run is ten UTFs. Anything more, is limited by the correlation coefficient parameters. 

The criteria for selecting UTFs for simulations are:

1) Good risk to reward ratio among peers.
2) They must have poor correlation among each other (meaning must be well diversified)



Next step, after running twelve simulated portfolios, ranging from port that generate 8% to 20% p.a. , out of 12 ports,



To be continued...

The ports that I have run simulation gave the highest possible return to be 21% (100% TA-GTF) and the lowest possible return is 7% (100% Esther Bond). Hence the whole spectrum of return is from 7 to 21%. As expected the higher the return the higher the risk aka std - deviation. After running 12 times with various composition of portfolios, I find that the most risk optimal point is around the 10, 11, 12 and 13% point.

Let's take 13% as the expected return. In order to get 13% the composition of UTFs are as below.

KGF @ 15%
REITs @ 10%
TA-GTF @ 25%
Esther Bond @ 30%
RHB EMB @ 20%.

Std - deviation of this portfolio is 4.41% and the risk to reward ratio is 13/4.41 = 2.95.

Xuzen

Would be rebalancing/modifying my aunt's and my portfolio and hoping that my new portfolio delivers exceptional returns for the balance 2nd half of 2017
If not, i would start ranting that FSM cheated me       Joking.
But yeah, hoping my new portfolio would deliver returns!

will you be shifting to zuxen's version 4 port recommendation?
if not, what are your current portfolio and allocation like?

I just started selling off/reducing a few funds and haven't completed buying what i wanted. Would get my new portfolio up by next Friday and then i shall post my before and after portfolio.
Would take Xuzen's recommendation into consideration.

Btw, I'm getting into KGF, was just wondering that if I'm just only able to invest in one; either KGF or KGF PRS (Just to get the 1k incentive, but the downside is that i can't take my cash out till i reach 55), which would be a better choice ?

I do understand that KGF's PRS is a combination of KGF 60%+ and Kenanga's Bond Fund 30%.

Wow, you deserve to be paid for this info    Thanks for the hardwork! With Xuzen around, who needs FSM portfolio management 

see yklooi's signature?

"--------------------
“What we do know about crises [is] that they occur with great frequency. What we don’t know is when they will happen, what will be the cause, how long the bear market will last and how deep it will be?” ---- investment writer Larry Swedroe.
We know crises will happen but we don’t know when. In order to account for that, we have to invest for the long-term knowing a crash is bound to happen someday.
In other words, your investment plan must incorporate the virtual certainty that you are going to have live through many crises, perhaps about one every other year or so, and live through them with equanimity, without panicking and selling.”

thus always go modestly......

I just started selling off/reducing a few funds and haven't completed buying what i wanted. Would get my new portfolio up by next Friday and then i shall post my before and after portfolio.
Would take Xuzen's recommendation into consideration.

Btw, I'm getting into KGF, was just wondering that if I'm just only able to invest in one; either KGF or KGF PRS (Just to get the 1k incentive, but the downside is that i can't take my cash out till i reach 55), which would be a better choice ?

I do understand that KGF's PRS is a combination of KGF 60%+ and Kenanga's Bond Fund 30%.

I know some people withdraw everything now and keep cash only  Even Warren Buffet is doing the same. "We know crises will happen but we don’t know when. In order to account for that, we have to be prepare for mega discount." You want to sit on the sidelines or you want the opportunity of once in a lifetime?  Of cause must have titanium balls for that 

Imagine netting Midvalley/Maybank/Nestle at 10%p.a dividend. 

Would be rebalancing/modifying my aunt's and my portfolio and hoping that my new portfolio delivers exceptional returns for the balance 2nd half of 2017
If not, i would start ranting that FSM cheated me       Joking.
But yeah, hoping my new portfolio would deliver returns!

I kind of lost the link to the iportfolio/snapshot.

do you happens to have it and can you please throw in zuxen's new port into it and see how it goes?

while waiting for Dasecret,...can someone iportfolio it?

What did u buy exactly? If you read what the fund managers write recently, most of them would conclude Q1 was really good and they don't expect the rest of the year would deliver anything close to that

You need to consider if your fund choices and allocation matches your risk appetite. It sounded to me that you have rather unrealistic expectations. UT is not ponzi scheme, it would not deliver consistent superior returns; it's designed to deliver reasonable returns over mid-long term with minimal effort required from the investor

.........
I think that iportfolio site died....
Use FSM's portfolio simulation function lor; but xuzen already indicated past returns and weighted volatility

Menteri cakap anything more than 6-7%p.a. is unrealistic (replying to reporters on how avoid scam) and here we are all aiming for >10%   

😥😥 too bad..
i remembered in iportfolio, there was a data table showing the port has how many number of positive months in a 12 months period....was trying to see how zuxen 's port faired

Yeah, quite sad that the site died

Anyway, all these is rear view mirror analysis; while it's good to know, it really doesn't promise future returns