srly, the US congress needs to investigate whether he or his proxy is manipulating / insider trading the market or not. This is happening too frequently, almost with a standard pattern.

Minggu depan gua rebalance nilai.

1) US tambah RM 5K

2) Manureits tambah RM 2K

3) CIMB - ASEAN tambah RM 20K

4) Reduce cash portion of portfolio.

Not holding any direct China exposure.

Xuzen

while they kiss and make money...

In the mean time I lost money in Aug19. Another five figure lost. 2% M-o-M lost.

Even defensive is no longer defensive. REITS pun kena hit.

Xuzen

Totally agree and the upmost uncertainty is the current POTUS and his trigger happy tweety fingers. You just never know what he tweet next.

Algozen™ ver four register a positive 1.7% M-o-M.

This is helped by Manureits and bond side.

Xuzen

This post has been edited by xuzen: Oct 2 2019, 12:04 PM

My portfolio move this month:

sold down eighty percent of my Manureits

to be switched to US and Bond.

after switching, my port will be seventy percent bond, twenty US and ten percent Manureits.

I am not happy with the development in HK.

This is a temporary tactical retreat.

xuzen

I have not updated Algozen™ ver four for almost half a year if not more. I reckon due to the insane nature of the market, i.e., not following fundamentals, because of Trump and his stupid tweets, it is pointless to update algozen™ ver four.

The market reacted due to one single tweet from one person and goes haywire, what is there to update?

I hope he loses the election or get impeached before I decide to come back into the game.

In the mean time, if you must know, I am 70% F.I and 30% Reits.

Xuzen

Hi guys!

Season's greetings.

It is another post for Shiok sendiri purpose!

I started tracking my KWSP - MIS investment using excel in Aug 2016. Hence as of 1st of this Dec 2019, I already have 41 monthly data inputs [ 3 years 5 months period ]. Hence I decided to find my Internal Rate of Return [ IRR ] to check whether did I out-perform KWSP or not.

I am using a HP 10bii+ Financial Calculator to find the IRR. I had to use the Uneven Cashflow function to calculate because I withdrew in irregular time period and irregular amount.

For those who knows; I am using the CFj & Nj function keys.

After keying in the data; the IRR that I got is 11.40% p.a.

Hence my KWSP - MIS outperform benchmark, i.e., KWSP annualised dividend yield.

Xuzen

p/s what prompted me to do this exercise was when I looked back at my old files, I notice that my KWSP - MIS portfolio has doubled in amount and that piqued my curiosity.



This post has been edited by xuzen: Dec 21 2019, 11:12 AM

Speaking of small cap, I recalled the fantastic performance of small-cap from early 2016 - end of 2017 [ two year period ]. Those were good times. Will it repeat?

How lucky do ya feel?

Xuzen

Reinvest? No way Jose!

Keep it ready for making baby cost: delivery charges, diaper cost, milk powder cost, etc...

btw;

Thank you for helping to propagate our human species

Xuzen

Jan 2020 M-o-M return for portfolio is 0.80%

12 months rolling Y-o-Y return is 8.61% p.a.

12 months rolling Y-o-Y Std-Dev ( aka risk ) is 15.12% p.a.

Risk to reward ratio = 0.57

Remark: There is room for improvement for my portfolio.

Xuzen

i have not log in for one month plus. But algozen ™ ver four has been on 70% bond, 20% US and 10% REITs since quarter four last year.

Just moved RM 6,000.00 from Bond to China fund today. Deploying some fixed income to riskier assets to buy on dips.

Xuzen

LOL!

One month ago masuk RM 6K into CIMB Greater China fund, as of today profit is +8%

Today masuk lagi another RM 3.5K.

Xuzen

This post has been edited by xuzen: Apr 8 2020, 02:59 PM

My advisor aka Algozen™ ver four has been a trusted friend by my side all these while.

For those newbies, Algozen™ is a algorithm I wrote a long time ago using the Modern Portfolio Theory's principle.

Will it always guarantee success? No, during this Covid19 crisis, my Port lost RM 30K. But then this Covid19 is a Black Swan event. So all predictions are off the table.

However, during normal times, which is majority of the case, it works just fine.

Xuzen.

No wonder AmChina A share fund is not considered by Algozen™ ver four. I excluded wholesale fund from its selection criteria. When I wrote the programming, I had the view that it would is meant for the everyday Joe Rakyat investors. That is why I exclude wholesale fund.

My transaction for May 2020:

Reduce my Manureits by 20% and move it to corporate bond ( MYR ). China and US exposure remain same.

In a same way, there are tonnes of people who complain that going to casino will lose money and most will, going there shooting blindly. They have no game plan, no entry and exit strategy. However, there also exist a small group of elite players that make a living from beating the house. Just like any risky activity, there are bound to be winners and losers. Be it gold trading, forex, stocks and unit trust, albeit UT ranks lower risk amongst them all.

So, the ordinary run of the mill people will contribute to the few elite who spend their time and tuition to learn the game, be good at it and eventually profit from it. This goes to most sport activity too. Take tennis; there are only a handful of elite pro players who made millions, but there are millions of players who contribute the these elite by buying the sports equipment, buying the game tickets etc...

I started UT in 2005 until now is already 15 years. There are months I made up to RM 20K profit and there are also months I lost up to RM 30K. Over the long period, I win more than I lose. That is why I am still "playing" UT. If you want to be good at the game, you will have to learn the game.

Xuzen

Take a look at its measuring parameters... nuff'said.