in 4 months of 2019 most of the EQ losses of the whole 2018 had been recovered (except local one).....
xuzen,....has the mean reversion completed or more to go?
what did the Algozen says?

This post has been edited by yklooi: Apr 17 2019, 09:15 PM

from the below article....
"However, the impact on each bond fund differs by the underlying exposure. For funds that have higher holdings of Malaysian Government Securities, such as RHB Bond Fund (26.2%* of NAV) and Eastspring Investments Bond Fund (16.23%* of NAV) have witnessed a greater magnitude of correction compared to those that have lesser exposure like KAF Bond Fund (0.89%* of NAV)."

How many % of MGS is Nomura I income is holding now?

Ancient-XinG-, do that note of this latest development....for I think you are following onto this fund too....(I think you had mentioned previously....it holds high % of MGS thus maybe it is the reason for its good returns last year....)

I was last month, planning to shift a chuck to Nomura next month......now seems like "hesitated abit".


This post has been edited by yklooi: Apr 18 2019, 08:35 PM

thks for the input

latest plan since the starts of this current uncertainties ....
bcos of my age,...my planning changed...may shift to EPF instead of FI funds..
planning still pending...

yes,...reached 55

thanks

I find this article contain many mantra that needs to be highlighted again regularly...

Take a Long-Term View
No doubt hanging on to your portfolio holdings during a recession can be painful especially when the slow down in the economy starts hitting your pocket.
That is why it is important to set aside an emergency fund that should ideally be composed of 3-6 months’ worth of your living expenses in a current account.
This way an investor does not need to dispose of their portfolio holdings (that may possibly even be underwater) so that they can weather through the head winds ahead.

The Fallacy of Market Timing
investors should look beyond intraday volatility and short term fluctuation in markets to isolate between noise and fundamentals.
If you can’t stomach the wild price swings in your portfolio, chances are you may be taking more risk than your circumstances allow.
Take the time to sit-down with your client portfolio manager to run through your fund holdings and look into areas to de-risk and allocate towards more defensive asset classes like fixed income.

Ride the Cycle by Building Resilience
diversification acts as a risk-reduction strategy that serves as a logical reminder to not place all your money in a single asset class or location.
But, when the bulls are charging and the markets are having a good time, such advice to ‘diversify’ often fall on deaf ears


Stick to your investment plan, drown out market noise and stay focused on the long-term to achieve your goals.

https://affinhwangam.com/breaking-the-cycle...ycle-investing/

of all these, which one do you think can provides or have more chances of providing a 6% pa?

even thought historical results does not determine future performance,....EPF has past through many test before......

but again....60 yrs of "sure' things had changed last year May 2018 too..... will EPF follow suit?

active mgmt.

Yes...if by self contribution....
But....looks like if thru the usual payroll deduction, the limit us the pay amount....i hv not tried that thou.

I only have about 5.8% in TA global tech in relation to my UT investment,
if in relation to my cash investment money...then it is just about 2.3% only.

thus if you only have 1 fund and only invested RM1000 cash....then it can be also 100% in it
but if you also have RM200k in EPF, cash RM100k, Property investment RM300K....then that RM1000 in TA Global tech is just 0.x% of the money.

WOW you guys really knows the current environment....

Why ordinary investors are shunning Bursa Malaysia ---- Published: 21 Apr 2019

"......Right now, many ordinary investors choose not to invest in the stock market because the odd is not in their favour. Short of using harsh words, many listed companies are con jobs."

https://www.malaysiakini.com/letters/473131

a quick no 100% wrong or 100% correct (just for fun) quiz.....
from the above, do you guys think / agree that there are things to we cannot change, like the direction or latest investment strategy or know of the latest holding of a fund.

what if, one studied the printed prospectus, the fund factsheet, the general investment policy / holdings and assets allocations %, and these would include data in the PTR/MER/FVF etc of that fund as stated......then he/she liked them, thus bought that fund.
as from the above, we know that published data can change almost 180 degree in a very short period

what if that are changed by the fund house (like the above)...should we sell, for it had gone against our purchase/holding intention?
(we can select to alight the train the moment we saw those change)
or
we let the FM be the driver and let the result of his driving be the judge to see if his driving met our goals?



This post has been edited by yklooi: Apr 26 2019, 07:23 PM

I just liked this post by Wong Sui Jau.
(too bad FSM SG cut the link to his many timeless posts)

Sui Jau's ....
"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount.
Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust.
Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.
The key thing is you have to accumulate investing experience. No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher."

WOW
Go with the flow investing.....

way higher up than most people...

https://www.desmondwealth.com/blog/go-flow-investing

Your investment journey likewise is best made by observing the laws of financial nature.
No doubt about it; our markets are a strong and wild force.
A wise strategy for moving along your way is to harness that energy and direct it toward your personal goals, accepting what you cannot change and managing what you can.
Try paddling upstream, and you’ll not only have to work very hard, but your efforts are likely to get you nowhere fast, stuck between a rock and a wet place.

buy before Ex date
sell after ex date (before the distributed unit are reflected in your account)

yes, you will still get the distributed units......even though the amount is very little.
why, because it amount you have before and after the ex date have to be about the same.

you bought at higher NAV before the ex date...you sell at a much lower NAV just immediately after the Ex date. (much lower NAV because of the pending of the "floating" extra units)

the "little" units will still need to be given to you to be reflected in your account.....you can sell off ALL the little units after getting that reflected in your accounts.

well that is just my uneducated guess....

I think it is good for them to take a breather after a sudden up surge....
this month of April alone, my port went up 4% and I was heavy in those 2 regions...

will this MAY be the jinx?

my MoM is only 3.54%

TA Global tech fund
1 good one is enough

guess you are not alone in this dilemma,
but some said the good exit point
is usually be known 1 yr after it had happened.
is usually 1 yr before one needed to use the money.
is usually after having reached the goal of investing with that money
is usually getting jitterish everytime NASDAQ is jumping up and down.

but i had just 6% of it in my port currently, thus it does not matter much though.

This post has been edited by yklooi: May 3 2019, 12:07 AM

Thanks to Trump..... for the shiok sendiri.....just have to post this last YTD portfolio status updated BEFORE the day of BIG SLIDE.



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