i do track my portfolio's IRR initially and till now also.
but now i don't really monitor it,...as the longer the time frame in investment, the IRR value does not impact much with the movement of the mkts.

also since i am DIY from noob status....
i portfolio compositions swinged heavily between funds and sector and classes during the initial few year.
if i had swinged them correctly during those early years, my portfolio's IRR could be very nice.
the problem is i did not swing it correctly to what the markets had performed

thus if i had to take into the early years of learning curves,...my IRR reading is very low.

as i learned more, i realised i should not focused too much about the IRR value (from start till now), as that reading would have taken into consideration of my earlier DIY learning curves screw ups returns too.

now, i try to focus more to the ROI per calender year for the risk appetite that i want and the expected ROI pa i expected to get....not sure if that is correct.

nothing to be ashamed of,...for we does not know what he intention is...
for he could be "betting" with some pocket money
for he could just be buying and then telling others that he just bought while you guys are still in fear?
or something else

if i am not mistaken, last few weeks you had taken some profits from those right?
now doing that again?

my bad...
i think you did mention something like sold off 1/3 of something...(so now confirmed is not gold or china)
(i remember cos i did said to myself wow 1/3 .......)

but hor, for most of the times for most of the people,...after 20% rises in NAV, they will say, it is already not worth it for it is already too high and the covid19 thread and economic repercussion from it is still there,.....wait for it to come down first before buying more....

try this site?
China’s Days as World’s Factory Are Over, IPhone Maker Says

Read more at: https://www.bloombergquint.com/business/hon...rs-apple-demand

https://www.google.com/search?ei=y-A1X-WZCe...Q4dUDCAw&uact=5

looks like thestar got it from there too.

from the below post, you seems like you "enlightened"??

i guess it is not a 100% lose.
for those companies will also be bringing the money back to HQs in China for financial closing/reporting
for the people in the countries in which those businesses set up manufacturing bases, will make some money and then can afford to buy more goods (China goods)
for those companies saved paying US tariff, more profit for Chinese companies,...more benefits for China
people less work in China?....manufacturing workers seldom pay much.....

not sure about others, but for me is I don't invest with borrowed money in which that borrowed money is the money i cannot afford to lose.
btw, how much % of Sales charges they charge for that SG Reits and the Bond?

thanks for highlighting 'Dining voucher only"...
was tempted to buy RM100 for that "win" but stopped after having read your post.

i don't think it is monthly 4.5%...
looking from the performance from the factsheet...looks like 4.5% for the past 3 months total....
1 yr record is still negative returns....
too new a fund to evaluate performance of its track record

do you need to convert from MYR to SGD to invest in it?
if yes, what is the conversion spread between MYR>SGD and then SGD>MYR when you redeem?

according to the fund factsheet the initial charges is 3%,...they gives you discount of 1%?
The target fund for Principal Heritage Series is Fullerton SGD Heritage Fund and it is managed by Fullerton Fund Management.

from the factsheet of this Fullerton SGD Heritage Fund
https://www.fullertonfund.com/CMS/Uploads/F...e_Income_En.pdf


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that is a BIG concern for me....
anyway, how many % of your networth are you planning to put in?...if just 1~2%,...then can try try lah so that you will be among their preferred priority customers.

using MUM's example...
after the initial 1st yr
assuming your SGD25k investment gives you 4% returns pa = SGD1000
net gain from this investment using loan is SGD1000 - SGD 330 (loan interest) = 670 SGD gain
SGD670 x 3 = MYR2010

MYR2000 (from Spore) + MYR 2500 (interest from pledged FD) = MYR4500

that is about 4.5% from your RM100k FD + Spore investment
you get about 2.0% EXTRA from the current 2.5% interest rate

2.0% extra for all the risk on this leverage stuff....

AmTactical Class B oso giving 6% p.a. over 5 yrs then no need do this leverage stuff.

the 4% in RED is from your MYR100k FD pledge which is 2.5% and not 4% right?

do you have back up plan if the fund got less than 2% returns or go negatives for 2 yrs?

or if the fund dived >5% in 2 weeks, what would you do?

if you use IRR to compare your DIY UT portfolio investment returns with the returns of other investment vehicles such as FD rate, EPF returns, ASNB fund returns, property rental returns etc which is more annualised in....
you are comparing YOUR own performance in selection and % of allocation for your UT portfolio against the performance FD rate, EPF returns, ASNB fund returns,
and this own performance is your own only, for one should not compare with others too as the composition of asset in a portfolio can varies alot

unless you are comparing individual fund(s) with the returns of other investment vehicles such as FD rate, EPF returns, ASNB fund returns, property rental returns etc which is more annualised in.....then one can see which is "better.".....
and this "better" is also part of the story; for

if in a 10 yrs IRR track,....if an investment for the the last 8 calendar years had been giving only 3% ROI pa, but only 2 yrs giving 12% each in the early year,.... the IRR value would look nice,....
if you just looked at the IRR it show better than 5% 4%, but if you looked at the calendar year ROI, you will noticed 12, 12, 3, 3, 3, 3, 3, 3, 3, 3, (total 48)......
will you take this one or another one that has this 1, 2, 3, 3, 4, 5, 6, 7, 8, 9, (total 48), thus same IRR value but if one did not capture and monitor the YoY value, one will no notice that 1 has been stagnant for 8 yrs while the other one is having continuous improvement

and also do take into consideration, the value of IRR does not change much in relation to the returns if the tracking years is long (like > 10 yrs) and the poor returns is short (like 1 or 2 yrs),...IRR smoothen the volatility...

thus i am now using YoY (ROI per calendar year) to see how my own DIY portfolio performed with my target returns for that year.
for i may shift my port allocation and asset composition to suit my risk appetite when the time come be it due to market sentiments or sudden market event during the year.....
and these shifting of my port composition and allocation is only reflecting own performance for that particular year .

in the end,...if my DIY portfolio ROI or IRR is 5% and yours is 10%,....
it just shows that you have a 10% and i have a 5% returns for our portfolio selected
it does not shows what is inside the composition in my port or your port.
if one is too focused in trying to get a higher numbers, one may have lost their focus in allocating a portfolio that is suitable to their risk appetite and risk capacity too.

This post has been edited by yklooi: Aug 19 2020, 11:45 PM

was back reading an article on KGF......

was a darling of many during those time....
i was one of those that were enticed by her returns.....

will her magic power ever come back?


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i found this in FSM....
maybe you can add a few more in Public mutual site?



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i usually don't look at the benchmark...
i just looked at "can i expect to get XX% pa in this coming 1 year?"
are you looking at "can the fund meet it stated benchmark in the coming 1 year? (what is the benchmark value in terms of returns?)

for me...I also like to look at if the fund can make me X% pa more and that is when comparing the fund's performance to its benchmark comes in peers. and at times i compared with their risk reward ratio too

Foreign funds resume selling on Bursa
Sunday, 23 Aug 2020
https://www.thestar.com.my/business/busines...-bursa#cxrecs_s

25th weeks of consecutive net selling, then net buy on 26th week, then net sell again on 27th week

just when you think KGF will get another shot, then