I guess, as normal prediction would be from general everyday observation.....
if one were to try his/her luck frequently, to try to catch a falling knife....there will be a lot of times for him/her to have his fingers cut

may not be relevant or important to you....
depends on what from and what to.....
I sold my KBF on 13/6 to buy CMF
transaction date is 14/6
CMF transaction date will be 20/6
a/c reflected will be 21/6......
how many days in total?....

Read post# 5122, page 257....by Dasecret....

This post has been edited by yklooi: Jun 15 2017, 11:10 AM

yes,...I understand what you meant.....
the actual fund performed MOM is + 1.75%

I thought mine was better......without taking into consideration of other things like asset ratio, RR, diversification, volatility, time of entering etc, etc.....
just for shiok sendiri.....my DIY fund MOM performance is +1.56% (as at 29/6), which is about 12% lesser then my FSM Managed Port

+ 1
and there is the period of corrections too....
to compare how much it dived in comparison with our own DIY port......
in which, at that time, I think Algozen 11% port would fare very much BETTER.

at time like this today and any other days......
when one feel that he/she is in "heaven" with his portfolio composition and results.....
just an unqualified friendly reminder.......


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can you put in the % for each of the funds for this Aggressive Portfolio?

page 277 post 5532 has Moderately Aggressive port listing with the % of allocation....(attached for ease of referencing comparing)

hope you can share the % so that discussion can be further made here....

This post has been edited by yklooi: Jul 1 2017, 11:35 AM


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wow, last nite was at Ubb Cash trust and tonite is here....I just love visiting FBIH....

anyway, "may" I suggest you 2 wisemen call it a day by not responding to one another....
investing is fully of uncertainty, risk and noises thus posting here should be too...just take it like a pinch of salt....
I think forummers here both new and old should be able wise enough to differentiate the may be right and may be wrong posts.

fyi,
I do keep some money with PM.....it is for the benefits of their group insurance plan called Public mutual life plus....
which I think is very worthy....
jus my penny advise too.

no,....I am holding Asia Ittikal at minimum just to be eligible to buy this

http://www.publicmutual.com.my/LinkClick.a...2bc%3D&tabid=69

I do not have 150,000 MGQP so I opt to pay RM990 for the 200K coverage
http://www.publicmutual.com.my/LinkClick.a...et=HJ3tj6KZoXw=

so don't

I got RM10k in PM, so can buy RM200K insurance
if I could so could you....(unless policy just changed)
talk to your agent or call up PM Office to check?

just for shiok/grumbling sendiri.....

some says that there are currently dips in many sectors/regions but my port performance seems to be going nowhere from 1 June till 7 July.....
don't just focus on A fund but look at the overall composition...
currently I am at 28% FI


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Seriously what are you trying to achieve?
for my case, I think it may not be a wise idea to have an IRR incorporated into my FSM a/c.
1st,. like myself....I have 2 UT investment a/c ....1 with FSM and 1 with Affinhwang........thus have to consolidated my UT investment performance
2st,....like myself....it was not a good feeling and at times demoralising when after 3 1/2 years of UT investing.....the IRR shows < 4% which make me wonder if I did make a wrong judgement in investing in UT instead of chasing FD promo

anyway I think IRR is a wise call to have IRR data in the FSM a/c too, for it could be informative to some group of investors.......

but what I learnt from here last year was IRR did not consider your learning curves factor.....so for those that had long period of depressing IRR value , like I did,.....
unless you keep holding the same portfolio for years and still not keen to change.......
I did the normal IRR (since investment date start) and I also consider another IRR value from which I made major changes to my portfolio composition (since new portfolio start)......
but when reviewing the IRR of this new port I also have to consider the timing of my new port entry..for I may have been lucky that the timing of my new port formation could have coincided with the mkt upswing period ....just like this latest port formation and entry.....
I will have to wait for a major correction to see how my port formation stand after the major sell off before I can tell if my port is anywhere near/close to better than the last one.

good and bad actions are shown in IRR that exclude the good or bad actions made recently to change the past performance......


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have to gives some encouragement to new investors too.....since I made major changes in Jan this year (from 45% in SC, 5% in FI to 15% SC and 28% FI) my ROI increased >12% ...way better than FD

yes, at times I was just 4% cannot beat that is true....it is not easy for some people and for some period of time.

but will it be better of if I held on to my last year's composition? well I think the result would have been better than 12%...but from my chart trend...my port can also drop abt 7% if I held on to my past port composition.(Dec to Jan 2016)
I did a gamble in Dec 2015 to try to boost up my ROI / IRR by going in heavy on SC....... entered at wrong period of time

now I am trying to stabilise it and see if I can have a better port with minimal dependent on timing.
trying to forget the past IRR results and instant trying to learn and try improve on it
thus with my kind of DIY and constantly changing investment trial and error approach...ROI is a better data for me for now.

for a simple man,ROI is good enough to tell you how much you had made over time...but just at what % rate per year?
try to mentally do a simple division of the ROI value by the number of year invested......that would give a very rough idea of the IRR rate to see if it is worthwhile to continue to pursuit more on this IRR to determine if the Risk in investing is worthy of this IRR value gained......

everyone....

it seemed or maybe seemed to be a different interpretation of NAV......
both are corrects, just from a different point?

Most of the investors here noted NAV as the price of the fund
which is according to this Kenanga prospectus as "Net Asset Value (NAV) per Unit"

Net Asset Value (NAV) per Unit = Net asset value per Unit of the Fund is the NAV divided by its total number of Units in circulation

There is another NAV value according to Kenanga.....

Net Asset Value (NAV) = Net asset value of the Fund is the total value of the Fund’s assets minus its liabilities at the valuation point.

https://www.fundsupermart.com.my/main/admin...ctusMYKNGGF.pdf






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3. What are open-ended and closed-end Unit Trust Funds?

There are two types of Unit Trust Funds in the market, i.e. Open-ended fund and Closed-end Fund.

 Open-ended Fund. This type of fund has no restrictions on the amount of units the fund will issue. When an investor purchases units in such Fund, more units will be created to meet the purchase request.
When investors redeem their units, the units will be cancelled. If the redemption amount is high, the fund manager may have to sell some of the fund's investment / underlying asset in order to meet the redemption request.

 Closed-end Fund. This type of fund has a limited number of units. Unlike Open-ended Fund, new units will not be created by the Fund Manager to meet demand from investors. Instead, the units can be redeemed / sold by the investors.

https://www.hsbc.com.my/1/PA_ES_Content_Mgm..._trust_fund.pdf

peace again....

both are correct but from different perspective?

you joined today just to clarify this...thank you for joining in.