Cronies bro they invested in... look at Mara and tabung haji

aaaaannnnddd a percentage of that goes to someone else pocket.

Hi I been reading about unit trust and fundsupermart from last week

quick question here

let say I put rm10k on CIMB-PRINCIPAL GREATER CHINA EQUITY FUND which have YTD return 10.3% on 1 jan 2017

so my invesment value will be rm10,000 - 2% = rm 9,800 (exclude gst for easier calculation )

if i redeem on 16 feb 2017, my return will be 9,800x10.3 % = rm1,009.4

so total redemption, 9,800+1,009.4 = 10,809.4

is this calculation right ?

Hi sifuss,

I am just starting out with unit trust and would like to have some advise/recommendation on my portfolio. I am just a student, and can set aside an amount of money solely for unit trust investment. Hopefully can get a min of 8% of return pa.

Following is my portfolio allocation:
- Affin Hwang Select Bond Fund 30%
- CIMB-Principal Asia Pacific Dynamic Income Fund 30%
- East Spring Emerging market 10%
- CIMB-pricipal global titans fund 30%

Any advise on how to get a better risk reward ratio is appreciated. Thanks!

Ps: The reason I chose only 4 unit trust is I am still learning and researching, so these 4 is act as a starting point, and I also want to prevent buying unit trust that do not benefit to my portfolio, and instead just hurt it with service charges.

This post has been edited by turtle_onrage: Feb 19 2017, 02:15 AM

Yes your calculation is correct assuming you purchased the fund on 30 Dec 2016.

However, PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE PERFORMANCE. Please keep that in mind. That fund could end the year at +40%, or -10%...but just cause it got 10% till Feb 16 doesn't mean it will get another 10% in 1.5 months time.

tq @contestchris

(deleted)

This post has been edited by wodenus: Feb 19 2017, 10:51 AM

+40% to -10%? How did you come out with this figure? You pluck from the sky is it? Oh! I forget, you always tok-kok one and don't listen to you (You yourself admit previously not to listen to you). I forget.... my bad. So sorry!

Xuzen

P/s To the rest of the participants of FSM thread may I have your attention please. If some tok-kok feeller and they declare it openly it is just for laughs, it is ok. But when one tok-kok and pretend to be serious talk or worse still, tok-kok and don't know he / she is talking cock, and newbies take those advise and apply them in real life, then it is no longer laughing matter. Newbies, you have been warned.

This post has been edited by xuzen: Feb 19 2017, 09:54 AM

It's wholly owned by iFast Corporation in Singapore.

Eep.. you're right so deleted

to add on to my above replies

I think you had mistaken (just thinking only-ya), the YTD of 10.3% on 1 Jan 2017 is your confirmed gain when you sell on 16 Feb 2017. The NAV of a fund (especially CIMB GCEF), can be volatile, the NAV can fluctuate a lot in a matters of days, thus, so can "that" gain too.

This post has been edited by T231H: Feb 19 2017, 11:39 AM


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if you are just a student...
therefore you will most probably have about 30 yrs till normal retirement age...

assuming if you wanted that money to use for that.....I would say, cut off that Bond fund allocation...go for something that has more growth prospect for 10 ~15 yrs....then watch and realign that portfolio composition when the time come

assuming if you wanted that money to buy a car or a property in the next 5 yrs or more.....then the above portfolio is good to go.

assuming if you wanted that money to pay for your study loan in the next 4 yrs or less.....then I "think" you should increase the Bond allocation.


Don't be too concern about "Service Charges"...Don't let it be a part in any allocation or determination factor in your portfolio composition selection, allocation and rebalancing when planning for long term investment.....for these Sales Charges will be amortised it self in longer term.......unless you wanted to "trade" unit trust funds very frequently.

This post has been edited by T231H: Feb 19 2017, 11:09 AM

Newbies, please listen to T231H. His 2 posts above are some of the best advice you can get.

You have been warned by Xuzen.

What the hell man? Do you have trouble comprehending English? I am giving a damn example. Just because it is +10% for 1.5 months doesn't mean it will continue that way the rest of the year.

I feel sorry for certain participants in this thread who have a terrible grasp of the English language and are incapable of identifying nuance.

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Seriously guys, what's the issue with this statement at all in a reply to the poster that posted the question?

However, PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE PERFORMANCE. Please keep that in mind. That fund could end the year at +40%, or -10%...but just cause it got 10% till Feb 16 doesn't mean it will get another 10% in 1.5 months time.

This post has been edited by contestchris: Feb 19 2017, 01:16 PM

Let me elaborate.

You said +40 or -10% flucuation. This means that is [ 40 - (-10) ]/2 = 25% VOLATILITY.

Now, the fund we were addressing is CIMB-Principle Greater China Equity fund. Let us take a look at its Fund factsheet dated 31st Dec 2016, shall we?

Can you all see that the volatility is clearly shown to be on a three year average equal to 14.25%? Don't simply pluck some figure out of the sky and then defend it by hiding behind a vague concept called nuance.

You label it nuance, I call it ignorance. You categorically fall under the tok-kok, but don't know is talking cock category.
In the medica fraternity it is termed delusion.

Xuzen

P/s In the whole of FSM UTF universe, there are only two funds that have above 25% volatility, they are the two gold funds. Namely, they are RHB Gold & General Energy fund and AM Precious Metal fund. But both of them suxs big time as product for long term investment (but darn good for speculative purpose, especially if one is feelin' lucky, punk!)

This post has been edited by xuzen: Feb 19 2017, 01:47 PM

I'm sorry dude, but you are a bit dense. Which part of PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE PERFORMANCE do you not understand? The volatility is determined by historical values. In the future if the Yuan experiences a dramatic fluctuation it could adversely impact the returns of the fund. If there is a global economic crash it will also dramatically impact the returns of the fund. Likewise if foreign investments gather steam in China due to the low valuations it could positively impact returns like never seen before.

You need to learn a thing or two about hypothetical future scenarios who do not have to conform to historical trends. Which by the way in the Greater China fund case, doesn't take the GFC into account since the fund didn't exist back then.

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Look at Kapchai. 64% in 2013, 0% in 2016. Yet volatility rated at 13% in the fund factsheet (for 3 years anyway). https://www.fundsupermart.com.my/main/fundi...ap-Fund-MTPRUSC

Very troublesome to have small minded people like you around lah

This post has been edited by contestchris: Feb 19 2017, 02:09 PM

I am questioning your rational to introduce figures plucked from the sky and you responded by simply saying past performance is not indicative of future performance. How convenient. NB: First red herring argument detected

Then, without responding to my earlier question, you bring in to the argument the various irrelevent points such as yuan flucuation, economic crash, China, GFC yadda yadda yadda. NB: Second red herring argument detected

Further to that, you try to defend your argument by using Kapchai fund stating that 64% in 2013, 0% in 2016. Yet you conveniently omitted to tell your audience that the volatility is tracked for three years that is 2016, 2015 and 2014. The 2013 data is not taken into account. Trying for a straw man argument now, eh?

Now you label me dense and small-minded. Now! That my friend, is an attempt at ad-hominem. Try harder, friend!

Xuzen

This post has been edited by xuzen: Feb 19 2017, 06:03 PM

Guys. Any idea when will all the fees deducted?

I seems like receiving the platform fees very frequently. Lol.

according to FSM....
https://www.fundsupermart.com.my/main/faq/1...form-Fee-8467#7




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If you look at the 3-year chart, volatility does seem to be around there actually. 2013 is already out of scope, that was 4 years ago.

This post has been edited by wodenus: Feb 19 2017, 08:20 PM