some would called that a missed opportunity cost while doing that.....

Precisely. But if you want to get triple digit return or min 10%p.a dividend yield, you need a warchest ready.

If you do not have a warchest ready, don't dream of getting such returns.

Possible to get such returns? Those who bought capital mall trust during 2008 are getting min 10% dividend yield even until today with significant capital appreciation.

deleted (2x posts)

This post has been edited by T231H: Jul 29 2017, 01:15 PM

how long does this "Offer" comes again if it gonna come?
how long or how many times in one life time of 30 yrs will this type of offer come?

if one is to modestly trying to maintain a portfolio of funds that can gives about 10% annualised return.......will it surplus the wait for that offer (if it gonna come and one still got the "guts" to jump in by then?)

by that time I doubt the ASX investors would be brave to dump in money in a bear mkts knowing / thinking that their money" is protected as in the past good years.

if one is just holding about 10~20%% of money waiting for that offer to come...then it will be different story...

when you mentioned about waiting for the bear to come.....how much % of invested asset will you be locking in the ASX products waiting for the bear?

between Ramjade's hoarding VS your opportunity cost... i personally think an in-between is the best-est via Asset Allocation with a band allowing fluctuations before FORCED rebalancing, say 20% of planned %. eg. if planned = 33%, then i'll only forcibly rebalance if it runs up to 40% or falls to 26% (ie 33%+/- (20% *33%)

WHILE waiting for the above to happen, i just keep nibbling like grocery shopping lor
eg.
like grocery shopping - i need to buy milk powder, rice, veggie, meat
if prices/cost sama je, buy just enough lor, save my cash
if prices of milk powder lelong 20% off, buy 3 to 6 months worth lor - can store ma + WILL USE/need it anyway. Then the next several months, don't buy lor
if fish per kg VS chicken per kg cost less, buy more fish for meat lor
etc etc.

ya ya - may be too simplistic method i use BUT it works for me coz it's so simple to EXECUTE.
Just thinking out loud - no absolute right/wrong in investments ya

PS
To answer your Q on how many times in one life time the OFFER comes..
i'm now 45 and i've been offered deep discount twice in MY (1997-1998 Currency Crisis + 2008 Credit crunch), US (2000 tech bubble pop + 2008 credit crunch) and one time je for WORLD lelong during 2008 credit crunch.
not 1 lifetime over yet... touch wood, touch wood - thus, more to come..

This post has been edited by wongmunkeong: Jul 29 2017, 01:23 PM

How long? It's determine by how sustainable is the run. If it's expensive and you have nothing to buy, don't buy. There will always be opportunities in between great bear. Eg. China, Greece issue, Brexit.

For me, it's very simple. When do you shop? Do you shop when there is sale or when there's no sale?

If for me, if no sale, I just keep my money. Simple. Ask yourself, why are you buying when you can wait?

Algozen™ ver four Aug 2017 reading:
Expected portfolio return is 14% with a standard deviation / volatility of 5%. Risk to reward ratio = 2.8

The ports consist of:

1) Esther Bond @ 25%
2) RHB EMB @ 20%
3) Tech fund @ 30%
4) ManuReits @ 10%
5) Safi @ 15% or KGF @ 15%, if you are gung-ho, go with Safi, if you are skeptical and prefer a UTF with more repo then, go for KGF.

Yup, only five out of total 12 UTFs considered. A non-Pokémon style port.

*** Note: Yes Ramjade, I am dumping Selina in lieu of Manureits. I am still skeptical about its 52% concentration risk in one single country, that is S'pore. However, this latest port only allocate 10% in reits, hence I think the risk is acceptable, given the small exposure ***

Avangelice, RHB AIF is a coding glitch and has been fixed since. RHB EMB is still in.

The full list of UTF I used to input into Algozen™ ver four are:

a) Eastspring Dinasti
b) Lee Sook Yee
c) One hit wonder @ Safi
d) India
e) Selina Reits
f) RHB AIF
g) RHB ATRF
h) RHB EMB
I) Tech fund
j) Manureit
K) Europe
I) Esther bond
(12 individual UTF representing diverse geo and asset class)

Xuzen

This post has been edited by xuzen: Jul 31 2017, 01:46 PM

T231H
here are some articles for you to read about how big your warchest should be.
http://singaporeanstocksinvestor.blogspot....annual.html?m=1
http://singaporeanstocksinvestor.blogspot....ars-by.html?m=1
http://singaporeanstocksinvestor.blogspot....vestor.html?m=1

1- Is that meaning IDS quite a worth to in, just because he is new and being spec heavily?

3- Is that RHB AIF?

4- Gonna be in soon!

** Is titans being abandoned?

Is there a diff between a person who invested in unit trust successfully and made 14% per anum yoy and a person who is successful in making a lot of money?

Scenario 1: Mr AV put Rm1K a month into fund A for 10 years. It grew 14% p.a annualized. He made Rm249K. Enough to buy a Toyota Camry Rm150K and rennovate his home 70K and go for a good holiday to Europe Rm29K.

Scenario 2: Mr KC knows if he invest in fund A. He can make an annualized 14% per annum yoy. He is confident. He refinanced his house, top up, to get RM250K. He has to pay interest of 4.5% (Term Loan Reducing Balance) The loan tenure is 30 years. Every month he has to pay Rm937 instalment. He put RM250K into fund A, same as Mr. AV. 10 years later at 14% p.a, he will have RM926K in his portfolio.

Beyond this 10 years, there are 20 more years to go before this two young men retire. Who is a more successful unit trust investor? At 14% pa, maybe both also successful. But who made more money and became a more successful investor?

This post has been edited by HahaCat: Jul 29 2017, 02:24 PM

to you.....in your definition....
How much drop is considered a sales?
The measured of drp is from which point?

Not them.....you....yr % of holdings in cmf, fd, asxfp.....those money waiting for the sales to come

How much is a drop? 10% I will start looking. 20% sure buy. 30-40% buy some more. Of course must know what to buy. If only 1% bleh, nothing to see.

Another point of when to buy, when newspapers keep publishing it's all doom and gloom is another indicator.

I am comfortable holding 50% or more in cash/liquid stuff. Nothing to buy, keep money. If for stocks, accumulate the dividends. If unit trust, leave it as it is.

rhb AIF back again. lol this is crazy. I'm just gonna forget about my port and potentially ignore this thread

Stick with your principles. Don't need to follow others blindly. Just because it's appear and dissappear, doesn't mean you need to axe it. Ask yourself, why are you buying it in the first place? Is it because someone recommend it or does it furfilled your need?

I never even hold this fund before.

This post has been edited by Ramjade: Jul 29 2017, 03:15 PM

Wrap accounts! Go wrap man....never again shall you worry about sales charge!

Xuzen

This post has been edited by xuzen: Jul 29 2017, 03:38 PM

This post has been edited by xuzen: Jul 29 2017, 03:43 PM

Scenario 2 has a big "IF". IF he makes a good call = YAY ; If he makes a bad call = .

So are you feelin' lucky punk?

Xuzen

p/s Again, after time and time again, you still are unable to tell the difference between investing and trading.

This post has been edited by xuzen: Jul 29 2017, 03:27 PM

👍👍👏

After time and time again, Xuzen, you are telling me you can't at least secure a 14% p.a annualized given a 10 year window? Then might as well quit investing altogether. Waste what time do wat vitagen algozen

This post has been edited by HahaCat: Jul 29 2017, 03:45 PM

Can you? Mr One-hit-wonder!



Will you be remembered as Mr McFerrin? Only one hit song in his entire singing career?

Xuzen

This post has been edited by xuzen: Jul 29 2017, 03:54 PM