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

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SUSyklooi
post Aug 24 2020, 12:02 PM

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QUOTE(AnasM @ Aug 24 2020, 10:51 AM)
Why don't u buy reit with exposure to 5g like american tower reit?
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Mind sharing which reits ut fund having that n any idea how many % of that 5G tower reits is being held by that ut fund?
SUSyklooi
post Aug 24 2020, 04:51 PM

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QUOTE(majorarmstrong @ Aug 24 2020, 04:45 PM)
Manulife Shariah Global REIT Fund (RM)
user posted image
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thanks,
any idea why this 5G American Tower is special?

if one has 10% of this Reits UT invested in a portfolio, then this UT has only 10% in this American tower...
then the UT port only has 1% in this American Tower.

if this American Tower stock goes up by 10%,...the UT port goes up by 0.1% ROI thumbsup.gif
SUSyklooi
post Aug 25 2020, 04:50 PM

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QUOTE(majorarmstrong @ Aug 25 2020, 11:44 AM)
is there a thread that ppl talk about their DIY KWSP investment or use this same thread?
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i think, if your DIY KWSP investment is related to UT funds,
then you can try use this existing "Pinned" lyn thread

Fund Investment Corner v3, Funds101
https://forum.lowyat.net/topic/2601692/+2900

as this current thread is more on UT funds investment on FSM platform
SUSyklooi
post Aug 31 2020, 11:00 AM

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QUOTE(2387581 @ Aug 31 2020, 10:31 AM)
Just searching the forum for "RHB". From my own experience, I bought this fund lump sum since August 2016, never top up since then. Currently the return is 11.51%, means annualised 2.71%, even worse than putting in FD. If you look at the performance chart, it reached a high before the 18 March crash, but unable to recoup the losses. Wanted to sell all but can't find a better place to deploy the money. And heck RM25 switching fee!
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if you had been following this thread, i believes many did not stick to "past" hero or heroine for sentimental purposes when it is money involved.
another example is the KGF or Reits funds

so if you had been having good returns with that RHB for some years, and then when it performance deteriorated for a the last few years and yet you still held on to it,...then it was your choice
(same with those that had put money in FD instead of that RHB during those past good ROI years)
SUSyklooi
post Aug 31 2020, 11:42 AM

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QUOTE(2387581 @ Aug 31 2020, 11:23 AM)
No. I'm in the process of tuning my portfolio after neglecting it for a while, if you are long timer here, I was active here a few years ago, then quiet and then now lurking here again.

I was planning to redeploy the money from that fund elsewhere, when there are fellow forummers mentioned the fund I tried to offer my painful experience with them in hope that less people had to learn it the hard and expensive way. I'd appreciate if others offer actionable replies instead of sprinking  salt on my wounds!
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sell off that fund then no need to pay switching fees of RM25K...so that the wound would be be no more as it had been cut off (amputated). is this action actionable?

i can only think of 3 actionable items,
continue to hold,,,,,not fees incured
switch to other RHB fund.... RM25 will be incured
sell it off

This post has been edited by yklooi: Aug 31 2020, 11:44 AM
SUSyklooi
post Sep 4 2020, 12:17 PM

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QUOTE(MUM @ Sep 4 2020, 11:47 AM)
if he wins, will the market still goes up?
(the mkts had been up since he is the there)
if he loses, will the market die down?
(many businesses will be happy if there is possible chance of direction between US/China)

what do you think?
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based on past performances....just like many had been investing based on past performances....

if based on past performance,...
the market had been up since he won the last time
if he wins again this time,...mkts will continue to goes up (based on past performances and the past reasons of it going up,....even with trade tensions with China)

if he losses, ......
then markets will still goes up as per some points in below post......
reduction of tension, easier to do business, less countries/companies kena sanctions/blacklist, etc, etc

QUOTE(xcxa23 @ Sep 4 2020, 12:06 PM)
he win, china market down, us down (more tension, harder do business, more countries/companies kena sanctions/blacklist)
he loss, china market up, us up
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SUSyklooi
post Sep 8 2020, 10:53 AM

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QUOTE(mystycque @ Sep 8 2020, 10:50 AM)
all price drop down.Time to top up la

.....
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just one or a few or all?
how much total % more are you going to top up this time in relation to your total amount in the portfolio?
notworthy.gif
SUSyklooi
post Sep 8 2020, 11:10 AM

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QUOTE(mystycque @ Sep 8 2020, 11:01 AM)
top up all la..all fund drop now.top up how much money you have la..i put all my money here and monitor eery day
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thumbsup.gif thumbup.gif i am just so happy for you, for you can afford to top up all with (how much money you have = All) money you have and continue to monitor everyday.....to catch the next fall in NAV
thumbsup.gif and to continue to top up with as much money as you have again, so that you will continue to average you buying price.

just hope that, the as much money as you have is the amount that has significant impact to the current ROI of your portfolio.

This post has been edited by yklooi: Sep 8 2020, 11:13 AM
SUSyklooi
post Sep 11 2020, 09:46 AM

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QUOTE(CSW1990 @ Sep 11 2020, 09:37 AM)
19.12%
for me considered big portion
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yes, a big portion if i only has 1 fund and it constituted to 100% of my portfolio
but when that fund is just 10% of my portfolio, then this 19.2% is just 1.9% of my UT port allocation
SUSyklooi
post Sep 12 2020, 11:45 AM

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QUOTE(BlueSpark @ Sep 12 2020, 11:32 AM)
Anyone tried logging in FSM today? I can't enter my account
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using handphone or PC?
SUSyklooi
post Sep 12 2020, 11:51 AM

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QUOTE(BlueSpark @ Sep 12 2020, 11:48 AM)
PC
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just did mine at 11.40.....OK no issue on PC too


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SUSyklooi
post Oct 1 2020, 07:36 PM

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MoM for my DIY port is abt -0.6%
MoM for moderately aggressive Managed Port abt -4.6%
MoM for my spouse PM portfolio is abt -6.8%

different composition & risk level so cannot judge

This post has been edited by yklooi: Oct 1 2020, 07:39 PM


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SUSyklooi
post Oct 2 2020, 07:48 PM

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QUOTE(WhitE LighteR @ Oct 2 2020, 07:31 PM)
care to share the reason with us...
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thumbsup.gif
ya lor,....i am wonder that too, for he has in June he already mentioned "at all time super high"....
what encouraged him to "dump all into Principal Greater China"?

perhaps his "All" is just 1% out of his pool of investable money? hmm.gif


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SUSyklooi
post Oct 12 2020, 11:14 PM

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QUOTE(abcn1n @ Oct 12 2020, 11:06 PM)
The PRS require us to :
1) Do constant topping up each month?
No need
2) What is the minimum initial investment?
some are RM100 while some are RM500 and some are RM1000
3) Any sales charge for investment?
i think FSM are 0% while some other are max 3%
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SUSyklooi
post Oct 13 2020, 12:01 AM

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QUOTE(datolee32 @ Oct 12 2020, 11:22 PM)
For PRS fund, can only withdraw after retirement age? Or can withdraw anytime?
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Pre-Retirement Withdrawal for General Purposes can be made, in part or in full, from Sub-Account B, which holds 30% of a member’s PRS savings.
Such withdrawals are allowed one year after the date of enrolment, once per calendar year and are subjected to an 8% tax penalty on the withdrawn amount.
https://www.ppa.my/prs-and-you/prs-faq/

QUOTE(MUM @ Oct 12 2020, 11:24 PM)
30% of what you had invested can be withdrawn subjected to i think 8% tax
the remaining 70% have to wait till retirement
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looks like they had added some new additional withdrawal scenarios thumbsup.gif

https://www.ppa.my/prs-and-you/prs-faq/




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SUSyklooi
post Oct 13 2020, 07:29 PM

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QUOTE(viktorherald @ Oct 13 2020, 05:48 PM)
user posted image

My current allocation, i did contact with their advisor and this is the fund that he recommend to me.
I consider my self a moderately risk person

i did read the individual funds, but lets just say.. i didnt put too much thinking to it  sweat.gif
i just feel that this is quite diverse in regionality, previously some fund dip into reds and now had all recovered

Anyone have good insights to offer?  notworthy.gif
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yes, quite diverse....
just that past few months,....there had been forummers mad.gif ranting.gif about Kenanga Growth fund

SUSyklooi
post Oct 16 2020, 11:00 PM

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The US pharmaceutical giant Pfizer expects to file for emergency use authorisation for its Covid-19 vaccine in late November, around two weeks after the Nov 3 US presidential election, it said on Friday.

The announcement means the United States could have two vaccines ready by the end of the year, with the Massachussetts biotech firm Moderna aiming for Nov 25 to seek authorisation.

Bourla said the Pfizer trial, involving 30,000 participants, might produce results on the vaccine's efficacy within the next two weeks.
"I've said before, we are operating at the speed of science. This means we may know whether or not our vaccine is effective by the end of October," he said.

https://www.bangkokpost.com/world/2003415/p...ion-in-november

hmm.gif with 2 vaccines ready by end of the year......... hmm.gif impact on gloves counters?....... innocent.gif devil.gif

This post has been edited by yklooi: Oct 16 2020, 11:02 PM
SUSyklooi
post Oct 21 2020, 10:53 AM

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QUOTE(akping_1 @ Oct 21 2020, 10:31 AM)
Which REIT funds that are highly recommend?
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sorry cannot answer you .....
attached image are past returns performance of the top 5 funds at the time period mentioned, just for you info



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SUSyklooi
post Oct 25 2020, 12:04 PM

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QUOTE(tadashi987 @ Oct 25 2020, 11:41 AM)
I think u meant geographical risk, yes, it is riskier than as it is country specified.

but volatility is purely defined by NAV movement? as the 3-Yr Annualised Volatility (%) and 3-Yr Sharpe Ratio only based on NAV movement, doesn't factor in geographical risk.

usually the latter matter for me more.
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If you defined volatility as that, then why do you mentioned that rhb emerging mkt bond (MYR) is too volatile for you compare to this China bond fund (MYR)?
where did you get the numbers (in MYR) to compare?

This post has been edited by yklooi: Oct 25 2020, 12:25 PM
SUSyklooi
post Oct 25 2020, 10:21 PM

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QUOTE(tadashi987 @ Oct 24 2020, 10:40 PM)
anyone holding RHB China Bond Funds? seem performing good
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thanks for telling about this fund.
currently i am at 50% Nomura....
maybe , just maybe will shift about 10% to this beginning of new year (new year new positioning ha-ha)
50% in Nomura maybe abit too concentrated?
i will keep observing this China bond for 2 months then see how....
thanks for telling....
but will China devalue it RMB again?? hmm.gif hmm.gif

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