As of today, 17th of June 2017, my TA - GTF has dropped around 3.00 - 3.50% (rough estimate) unit split already factored in.

My activity for this month, which is also my first transaction post Algozen™ ver four:

1) Buy RM 500.00 into TA - GTF

2) Buy RM 1,000.00 into KGF

3) Buy RM 500.00 into Selina Reits.

Xuzen

p/s did you notice that when TA - GTF dropped, Selina Reits went up? Another beauty of diversification.

Just tried redeeming public mutual, it has PAC/TAC verification 

God, after switching out from Manulife US, now I am overweight in India.  LoL...
Have always preferred Nasi Briyani than Nasi Goreng USA. 

Anyone can guide me with this? Or is it just better to just buy with the minimum initial investment and then top up every month, since it is not that high?

on this..." just wanna ask is Mixed Asset means balanced fund?"
hope the below post is relevant

On this...."what is the pro/cons of Mixed Asset?"
googled and found this...hope it is relevant too.
Fund briefing: Mixed asset funds
https://www.moneywise.co.uk/funds/investing...xed-asset-funds

Pros and cons of multi-asset
https://www.ftadviser.com/2013/10/23/invest...4O/article.html

more in google...
https://www.google.com/search?q=pros+and+co...0.0.m8q5eotwsvw

Question is what was your expectations when you bought it. If it is meeting your expectations or beyond, then why bother with other funds, be the other 4 winners or the 8 other losers.

That's was the point of my previous comment: you can show all the statistics that are in favour of ETFs with lower fees and whatnot, all the stats and figures becomes meaningless to me if the fund I am having is giving me my expected returns. (Read it also like nothng gained lohh...)

Unless of course, the stats jotted me from slumber and show that I was holding a real loser fund... which is not a likely event if I keep track of it and review it against other funds periodically.

And of course it is a boost to the ego when we happen to hold the fund giving the best returns... can show-show, brag-brag.


Past track record is everything... else the fund would not even make it onto the short list for consideration in making a purchase into it.
They means the same thing. It is mandated to hold a mixture of bonds, income securities and equites. In some of the older funds, the permissible ratio of bonds and equities is usually in the ratio of 40/60 to 60/40 or 30/70 to 70/30.

In some newer funds, the ratio can be from 2/98 to 98/2. (It can't sailang 100% into equities because it needs to have some liquid cash to run the fund.)

Having a balanced fund in a volatile market is good in that the fund manager is permissible to varies the equity portion accordingly. If the fund manager time and get it correct, then everythink is fine and good. But if he got it wrong...

Because of this flexibilty to adjust the ratio as the fund manager deems fit, some (if not most) people likes to do it on their own by having a mixture of equity and bond and money-market funds and do the adjustments themsleves.

Normally, for a beginner, if only one fund to hold, it will be an equity fund. Needless to say, greed and the want of fast money is the reason to have an equity fund over other types of funds. It is either go big, or go home.

============

The future's so bright, i gotta wear shades. 

only started working less than 2 years, pay like kacang, loans & bills to pay and savings for emergency, market up or down only can watch first for now

of course still preparing warchest if only able to allocated 200-300 monthly unless got bonus/OT money/CNY angpow

MOM  my DIY is - 2.8% 
my Managed port is about -2%

Here's the latest sneak peek on the next version of the Excel, with cross-country funds enabled (FSM MY, FSM HK, FSM SG) with auto-updater; together with cross-currency consolidation for reporting/snapshots

Thanks to idyllrain too for the help along the way contributing the JSON price fetcher + some inspirations

Still cleaning up some parts + figuring out how to best migrate old data from current stable version (to minimize another round of data entry & also utilize previous-snapshots without having to start afresh for reporting purposes)

Waiting the nice excel...... 😃

!!!THIS IS A PRE-RELEASE TESTING VERSION!!! The main objective is to collect feedback/suggestions before a stable version is released.
sample report

Change log (high level) :
- supports FSM Malaysia, FSM Singapore, and FSM Hong Kong (note: sg not tested)
- supports Cross currency transaction, cross currency NAV, and group currency consolidated reporting. Max 10 currency for now. MYR is the base currency.
- support dynamic decimal places calculation (FSM my uses 2 decimal, HK uses 4 decimal)
- leveraged pivotchart for most part to ensure maximum compatibility / easy to use / flexibility
- updated charts

For those that are curious / good with excel / want to help out, please see below the latest excel (pre-release) with incomplete functionalities. Some of them are still being developed (i.e. MAC compatibility within same excel; auto currency table update; codes tweaking/cleaning, etc.) so do expect some bugs in this version. The conversion tool is also updated to cater to this new excel version so that you can either (a) import from FSM Malaysia or (b) import from previous stable excel (v2.2)

Since this is a pre-release test version, only the conversion tool has complete step-by-step instruction/guides... for now.
LYN Portfolio IRR calculator - pre-release - 3.0-alpha.xlsm
polarzbearz Spreadsheet Conversion Tool - FSM-to-Excel, Excelv2.2-to-v3.0.xlsm
One of the biggest manual activity is to update the 'fund snapshot date' due to an oversight in previous version. But good thing is, albeit painful in the beginning, you will retain all of your historical data instead of starting from scratch. The problem in previous v2.2 design is the inconsistencies of date usage.
- In "Portfolio Snapshot", it is capturing the date when snapshot happens
- but in the "Fund Snapshot", it is capturing the date when the fund was last updated in FSM.

This may give some problem in the charting section. Below are the simplified steps:


!!!EXPECT BUGS - THIS IS A PRE-RELEASE TESTING VERSION!!! You have been warned

Yup memang going for RSP already hence why I said rm 200/month. Just want to park my extra money somewhere don’t really care about the high return or short term goals.

How to go about this?

[attachmentid=9898648]

There'll be credit system.

https://www.fundsupermart.com.my/fsmone/fun...6-Credit-System

You're right.

I think different fund houses will need sell and buy again.

situation....."inter switch equity fund B from fund house B to  equity fund A from fund house A"
perhaps....longer time frame....

EQ fundhouse B to FI fund house B....earn credit points
FI fundhouse B to FI fundhouse A.....no Sales charge
FI fund house A to EQ fundhouse A...utilise the available credit points
(just makesure the credit points is enough to cover it....else all credit points cannot be utilised...)

you think this is possible??