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 FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D

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woonsc
post Mar 7 2019, 05:43 PM

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QUOTE(yklooi @ Mar 7 2019, 05:11 PM)
hope you are doing well there too :thumbsup:  thumbup.gif
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Really not bad.. 10% since late december
woonsc
post Mar 7 2019, 06:53 PM

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QUOTE(Vanguard 2015 @ Mar 7 2019, 05:48 PM)
May I know what risk portfolio you choose in Stashaway?
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36%..
woonsc
post Mar 7 2019, 09:51 PM

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QUOTE(Vanguard 2015 @ Mar 7 2019, 08:45 PM)
Fuh. High risk. Titanium balls.

Thanks for the reply, bro.
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Dint want to have bonds. So I take all Equity
woonsc
post Mar 8 2019, 08:38 AM

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QUOTE(Vanguard 2015 @ Mar 8 2019, 07:36 AM)
Yep. Different people, different risk appetite.
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You could balance that 36% with bonds or money market funds on FSM as it is 0%.
woonsc
post Apr 6 2019, 07:36 PM

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QUOTE(Ancient-XinG- @ Apr 6 2019, 06:15 PM)
India having GE.

Avoid at all cost??
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YTD +10%
woonsc
post Apr 8 2019, 10:13 AM

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QUOTE(chooeh2 @ Apr 8 2019, 10:00 AM)
I know the  problem is KL share getting lower each day contrary to asia market!
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Time to buy
woonsc
post Apr 17 2019, 01:15 PM

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QUOTE(Ancient-XinG- @ Apr 17 2019, 01:10 PM)
4.3 incoming. FTSE Russell will dump us T.T
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Confirm meh?
If confirm haha, everyone buy USD for quick buck!
woonsc
post May 13 2019, 11:23 AM

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QUOTE(kennysik88 @ May 13 2019, 11:04 AM)
My KGF on the red line -14%, shall I keep it or transfer to other fund?
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Double down
woonsc
post Jun 19 2019, 06:48 PM

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QUOTE(iamoracle @ Jun 19 2019, 03:43 PM)
He dint say the total value. He mentioned the ut price, not considering dividends declared as units.
woonsc
post Dec 15 2019, 10:45 AM

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QUOTE(Ancient-XinG- @ Dec 15 2019, 10:10 AM)
Now less likely.

I think the drop we wait wont be coming that soon.
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If Trump doesn't get impeached, market stays cause it's expected and priced in.

But if he is impeached, I felt the market will jump!
Win or nothing! All in.
woonsc
post Apr 28 2020, 02:20 PM

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QUOTE(sewjin @ Apr 28 2020, 01:23 PM)
relating to this, have you all ever considered holding your emergency funds in something with a bit more risk (i.e. Nomura i-Income Fund).

My logic is, since RHB CMF need to wait 3 days for redemption, might as well put in a fund with a bit higher return? The only drawback is the minimum RM5000 for each withdraw/deposit.

I'm still holding my emergency funds in RHB CMF but was wondering if any of you guys actually went with my thoughts above. Maybe I don't mind just telan the RM5000 min withdraw/deposit small issue ler.
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I personally go into higher risk for my "emergency" funds, due to opportunity cost.. Mostly bonds and treasuries.. But not equities..
We all have Credit Card, so that can provide us with 30 days of line of credit as we withdraw from those funds..

woonsc
post Apr 28 2020, 04:30 PM

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QUOTE(brokenbomb @ Apr 28 2020, 03:17 PM)
Haha same. I never put emergency funds into my saving accounts. Max is rm500. If serious enough then credit card. If really really serious then use my ASB.

Almost all my emergency cash are into EQ.
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This is risky la, but ASB ok..
Just imagine the economy won't pick up so fast.. but your eq is still down 30%? You sell and use me.. I rather sell my safer investments like bonds.
woonsc
post Jun 4 2020, 02:42 PM

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QUOTE(j.passing.by @ Jun 4 2020, 02:08 PM)
Some suggestions:

- If nothing to buy due to timing, buy bond funds. Not money-market funds. MM funds is costly to hold... comparing the returns in EPF.

- Switch between bond funds and equity funds. Don't switch back to EPF.

- Take profit when above 10% and switch back to bond funds. But take note that when the drop is sharp, the profit can easily goes up to 20% in matter of days/weeks. Some equity funds has rise more than 20% since mid March.

(If an index drops 25%, it has to rise up 33% to reach back its previous level.)

- When bond funds fall, the equity funds will drop too... but bond funds will fall much lesser... if you're having bond funds and monitoring them, then it is time to switch to equity funds.

- If nothing happens... nothing to buy, nothing to sell... I think bond funds can give better returns than EPF this year.
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USD bonds very low also sweat.gif lower then MM funds
woonsc
post Jul 10 2020, 03:41 PM

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Been reducing my monthly dca.. So pump up my emergency fund.. But if there's a major correction.. That would be my buy in fund

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