One word to you my friend, see below:

My March 2021 tracking result is in:

In March 2021, my port made a loss of 2.23% and it is a five figure loss. FI ( Amanahraya Syariah Trust Fund ) & US-Tech fund is the biggest contributor to my loss.

In the 12 months preceding, my ROI is 8.XX% p.a. Stan-Dev is around 21%.

Xu'

All these high and low is making my standard deviation spike up.

And by this my sharpe ratio suffers.

And by this, there goes my bragging rights.

Xu'

My I-sinar just masuk akaun. All sai-lang into Interpac Dana Safi coz I'm feelin' mighty luckeh!

Switched 100% from United Tech to Manulife US.

Continue to add into Mehsia ( IDS - RM 1,000.00 )+ Tionghua ( AmChina - RM 5,000.00 ) fund.

NB: Amchina min add qty is RM 5,000.00

Actually not really tukar channel, United Tech 70% is mainly US ( 2/3 exposure ) but specific to Tech Sector.

Now switch to 100% US but exposed to all sector.

Xu'

If you look at the Mehsia centric funds, all of them are down; albeit some are more down than the others. It is just the nature of equity, i.e., they go up and down.

If you cannot stomach these ups and downs, then try to look ffor balanced fund such as: Affin Hwang Select Balanced Fund or Dana Makmur Pheim et al.

If you still wish to profit from equity but with lesser volatility compared to IDS; you should consider KAF Tactical or KAF Vision bas both these KAF boys have lower standard deviation values compared to IDS.

Do note that all these funds are actively managed and we are participating in it because we want to purchase the skill of the fund manager in picking the right stocks.

IDS is down because she is a little more concentrated in the tech sector, meaning there is exposure to concentration risk. KAF funds are slightly more diverse which also explain the lower standard deviation values.

Lastly, to the main question of why I chosed IDS. The simple answer is I look at the Sharpe ratios for comparison. This number assist me when making a BUY or SELL decision because it is a numerical measurement which allows me to remove emotion and bias judgement.

Hope this explanation helps.

Xu'

This post has been edited by xuzen: May 9 2021, 09:07 AM

Hi folks,

How are you keeping during this FMCO? As for me, it has been hell of busy as my company is listed as Hardware ( Family DIY ) which means we are open throughout this FMCO but we are working with only 60% workforce.

Just to share with fellow UTers aka Unit Trust Investers my Apr-2021 port is in.

Apr-2021 was a very good month for me with a strong five figure M-o-M return equivalent to a 3.3% gain M-o-M.

The main contributor is of course China with a slight assist from US. Hope Mehsia portion can pick up soon.

Xu'

p/s Forget to add, for this month of Jun-2021;

Add

1) RM 5,000.00 into AMChina-A ( NB: Min transaction is RM 5,000.00 for this UT )

2) RM 1,000.00 into Mehsia

3) RM 1,000.00 into US

This post has been edited by xuzen: Jun 5 2021, 12:43 PM

I will add RM 5,000.00 into AMChina in June 2021 but I have not enter yet. Probably next week or mid June 2021.

Xu'

US = Manulife US
China = AMChina-A
Mehsia = KAF Tactical & Interpac Dana Safi ( IDS )

As for Affin Hwang Global Disruptive Innovation Fund, it does not meet my criteria. This fund is new in the market and has no historical data for analysis.

May 2021 result is in.

Port made a loss of 0.7% equivalent to a four figure loss in ringgit term.

Loss comes from Mehsia exposure.

Now I have tracked up to 58 months, once I reached 60 data points which is equivalent to 5 year observation period, I will publish my long term risk to reward profile.

Stay tuned.

MS Excel.

My move for this month ( Jul 2021 ):

1) My US exposure has reached its target i.e., 20% and will not add any further ( Manulife US equity )

2) Added another RM 5,000.00 into AmChina.

3) Switched all existing units of my Interpac Dana Safi ( IDS ) to KAF Tactical Fund ( KTF ) simply because KTF is on FSM Recommended List whereas IDS isn't.

4) My major move this month is to add RM 20,000.00 into RHB European fund ( wholesale fund ). An alternative Euro centric fund that is retail is TA Euro ( which is part of FSM Recommended List )

5) Please note that both the AM China & RHB European fund are wholesale fund and their minimum transaction amount is RM 5,000.00 and RM 20,000.00 respectively.

Xu'

NB: My Licensed Financial Planner friend said European sector has played catch-up with US and has potential to shine soon.

My monthly shiok sendiri portfolio report.

This reporting is for June 2021 data. In June 2021, my port made a +ve 0.66% gain M-o-M. The gain of course is from the China side of things as well as US. There is also some minor gain at the fixed income side. Mehsia side is still laggard, but a wise investors will buy when things are cheap and not otherwise.

In early of Jul 2021, I added a RM 20K into RHB-Europe fund and RM 5K into AM-China fund respectively. Pls note these are wholesale fund and minimum transaction quantum are RM 20K & 5K respectively.

Next week I will skim some profit from Manulife-US ( RM 3K ) and switch it to KAF Tactical ( Mehsia small & mid cap ) fund. My US exposure has risen and exceeded my target % allocation hence I am in the position to take profit and move this profit into to those part of portfolio that have yet to achieve target, which in this case is my Mehsia exposure.

Xu'

NB: So far my port has been tracked for 59 months. By next month it will be 60 months old ( 5 years ) which in fund term is considered a medium age fund already.

In the Modern Portfolio Theory ( MPT ), an rational / logical investor will keep a fixed percentage of each component of the individual part of his portfolio based on his calculated or perceived most optimum risk to reward ratio.

In my case, my US exposure has exceeded the target % hence following the same theory, one remove some part of it to maintain that % and move that profit portion to the part of portfolio that is still underweight in this case it is the laggard KAF Tactical aka Mehsia exposure.

Why I didn't move to China or Europe you might ask. Well, and the answer is I have just added early of the month and I do not want to be too gung-ho into one particular area.

Xu'

There are two methods prescribed by those financial textbooks: either over a +/- 5% or 10% limit or at a fixed interval, say biannually or annually.

as this is my own port and a personal labour of love, I fix it at monthly interval disregarding the tolerance limit as long as above minimum transaction level. For example, KAF is minimum RM 1,000.00 per transaction, AmChina is RM 5,000.00, RHB Europe fund is RM 10,000.00 per transaction. So it depends on the unit trust fund managers policy in this regard.

Xu'

Looking at a glance the figure for July 2021, it does appear that July 2021 is a good month. Semua nampak hijau, segar & nyaman.

Xu'

Ladies and Gentlemen,

I post this as a form of goodbye and farewell. I created an algorithm using basic Excel programming to create Algozen™ ver 4.0. However, one of the main ingredient of this algorithm is the value of correlation coefficient which I could get from Morningstar Inc. However, since the beginning of this year, Morningstar no longer provide that info free of charge and only available to paying subscriber. As such, I could no longer update and curate Algozen™ ver 4.0 any further.

Hence, I will let her die a natural death, may her R.I.P.

I will also due to this no longer post at the finance as there is no longer much I could contribute. I will just follow the house model portfolio provided by my Licensed Financial Planner. Thank you and goodbye to all who has interacted with me all these years. May the fortune forever smile upon you.

Xuzen.