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

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TSAIYH	Feb 9 2017, 11:11 AM, updated 8y ago Show posts by this member only \| Post #1
Regular Senior Member 1,166 posts Joined: Jul 2016	Fundsupermart.com (FSM) Malaysia is the online unit trust distribution arm of iFAST Capital Sdn. Bhd. ("iFAST Capital"). iFAST Capital is a holder of a Capital Markets Services Licence (CMSL) and is licensed by the Securities Commission to conduct the following regulated activities: - To deal in unit trusts - To offer investment advisory services - To deal in Private Retirement Scheme iFAST Capital is also registered with the Federation of Investment Managers Malaysia (FiMM) as an Institutional Unit Trust Adviser (IUTA). iFAST Capital is a subsidiary of iFAST Malaysia Sdn. Bhd., which is wholly owned by iFAST Corporation Ltd. ("iFAST Corporation"). iFAST Corporation is headquartered in Singapore and the iFAST group of companies are also present in Hong Kong, Malaysia and China. The company was incorporated in Singapore on 10 January 2000. iFAST Corporation was listed on the Singapore Exchange Mainboard in December 2014. iFAST Corporation, via its wholly owned subsidiary iFAST Financial Pte. Ltd., is Singapore's leading online distributor of unit trusts as well as the leading operator of an investment platform for financial advisers and financial institutions. It carries the Capital Markets Services (CMS) and Financial Adviser (FA) licences issued by the Monetary Authority of Singapore (MAS), and is also one of three appointed Central Provident Board (CPF) Investment Administrators. One of iFAST Corporation's shareholders is SPH AsiaOne Ltd, the Internet arm of Singapore Press Holdings, which is Singapore's largest media group. In recent years, iFAST Corporation has been expanding beyond local shores. In 2007, iFAST Corporation launched its first overseas business, Fundsupermart in Hong Kong and in 2008, it launched Fundsupermart in Malaysia. iFAST Corporation launched its office in China in 2014. 1. Wide range of information 2. Extensive product range and value-added services 3. One of the cheapest Sales Charges in town! To keep discussions at this thread fruitful and constructive, it would be greatly appreciated that fellow investors try to look for answer to their queries at Frequently Asked Questions before posting here. And FSM has a very helpful LIVE Customer Service, MAKE FULL USE OF THEM. Look for this at FSM home page: What is unit trust? Federation of Investment Managers Malaysia - ABC of Unit Trusts Other FAQs on Fundsupermart.com and unit trust investing in general 1. NAV pricing and processing time » Click to show Spoiler - click again to hide... « Except for OSK-UOB Cash Management Fund, purchases for which payment is received by FSM before 3PM on a working day is transacted on the same day, i.e. you will purchase units based on NAV pricing of that day. However, NAV pricing for most funds will only be published by the Fund House after 5PM on the next working day (T+1). Purchases of funds at FSM will be fully processed at T+4, "T" being Transaction Date. On T and T+1, your order will be under processing. On T+2, FSM will price your order, your price transacted and no. of units purchased will be known. On T+3, your priced order would be still "floating". On T+4, your order will be incorporated into your holdings summary, purchase order is therefore fully completed. 2. The NAV price of the fund that I'm interested in is quite high now, should I stay away? Investment gurus always say "buy low, sell high"... » Click to show Spoiler - click again to hide... « First of all, understand what is NAV price. I always like to explain things by using simple examples. Here goes... - Fund ABC issues 1 million units at Initial Offer Price of RM1.00 per unit. - As such, at Day 1, NAV of ABC is 1 million units x RM1.00 = RM1 million. NAV price is RM1.00. - After the end of the Initial Offer Period, ABC starts to operate, it starts to invest. - Let's say ABC bought RM200,000 worth of Maybank shares, RM300,000 of Dutch Lady shares and RM500,000 of BAT shares. - Let's say after 1 month, Market value of holdings Maybank RM180,000 Dutch Lady RM360,000 Guinness Anchor RM400,000 BAT shares were sold off during the month Total value of equities held: RM940,000 Cash: RM50,000 (dividends received from BAT) Total value of net assets i.e. NAV: RM990,000 NAV price per unit: RM990,000 / 1 million units = RM0.9900 Ah Beng says: "ABC is now cheaper, can buy!" Answer: NO! You cannot determine the "cheapness" of a fund by looking at its NAV price alone. We can only deduce that the ABC had made an NAV loss of 1% during the 1-month period, but you cannot say that it is "cheap". The fund could have bought Maybank when it was overpriced, and now its holdings of Maybank had gone down 10%. Maybank is now cheap! Guinness Anchor could be oversold, thus ABC sold its holdings of BAT and bought into Guinness Anchor. Another undervalued stock in ABC's holding! However, Dutch Lady have rallied 20% in the past 1 month, it could be overbought i.e. expensively valued now. Simply said, you determine the "cheapness" of a fund by reference to its underlying holdings. The NAV price CANNOT give you a single clue as to whether it is an opportune time to buy into a fund. Let's say u are looking at a fund which focuses on plantation stocks. Plantation stocks on the KLCI could be oversold, went down 20% in the past 1 month yet the fund only recorded an NAV loss of 5% in the same period. You might think, "aiya, only -5%, the fund is still expensive, don't want buy in now lah". But you could be terribly wrong; it could be that the fund was sitting on a heavy cashpile during the past 1 month, hence it did not lose much. But plantation stocks are now trading at a discount, it is an opportune time for the fund to buy! Of course, all this is based on the assumption that the fund manager is not stupid. If the fund manager still sits on its huge cashpile and refuses to enter the market, then later when plantation stocks rally up 30% the fund could still be sitting there with -5%/+5%. FSM Idea Of The Week: Unit Split and High Fund Price Misconceptions [24 October 2014] 3. Common misconceptions about unit trust dividends/distributions: (i) After dividend distribution, NAV price will go down, the fund will become cheaper. (ii) A fund that declares dividends is better than a fund that does not, dividends are my profit, they make me richer. » Click to show Spoiler - click again to hide... « Put it simply, dividend is just "left hand go right hand"; there is ZERO IMPACT to the investor's value of holdings. - Fund XYZ has 100,000 units issued, initially issued at RM1.00 - Current NAV price is RM1.02 - XYZ declares a "10% dividend" of 10 sen a unit - After the dividend, the NAV will go down to RM0.92 For sake of illustration, we assume that dividends are paid out in cash (not reinvested), and no tax on the distribution. Ali says: "Eh XYZ very good, gave me 10% returns..." Answer: WRONG! The 10% is expressed by reference to the Initial Offer Price of RM1.00 (RM1.00 x 10% = 10 sen). It does not mean that the fund made a profit of 10% for investors. In this scenario, the fund actually only made a return of 2% (RM1.00 + 2% = RM1.02) during the period. Simply said, just imagine you pass me RM100 to invest in a trolley cart. 1 year later the trolley cart become worth RM92, and I collected rental income of RM10 on your behalf. The value of your investment is now RM102. I then decide to return 10% i.e. RM10 to you. So now u have a RM92 trolley cart and RM10 in cash on hand. The "dividend" that I decided to give you has ZERO IMPACT on the net worth of your investment, which remain at RM102. Here's another variation to the scenario above; your RM100 investment could actually have incurred a loss, and I could still decide to "reward" you with a 10% "dividend". Let's say a wheel on your trolley was damaged, now your trolley is only worth RM60. The value of your investment is now RM60 + RM10 (rental income received in cash) = RM70. But I could still proudly say that I'm declaring a 10% "dividend" to reward you Key Lesson Point A unit trust fund can declare dividend even when it has actually made its investors@unitholders poorer. By regulation, a unti trust fund can only declare dividend out of its REALISED INCOMES (interest income, dividend income, net proceed from sale of investments, rental income etc). Gains from market price fluctuations are not realised, i.e. they're "paper gain/(loss)". So, you could be having (a) Fund A got realised incomes from which to declare dividends, even though during the same period it has huge paper losses. (b) Fund B made lots of paper gains from market price movements, but it cannot/decided not to declare dividend to unitholders because of insufficient realised incomes. Bear in mind, some funds actually have a "no dividend" policy, and they are great performers. (iii) Topping up my holdings after dividend distribution pulls down my cost per unit, lower cost = higher profit. » Click to show Spoiler - click again to hide... « Just a simple example to illustrate, but that's essentially how it works... You hold 100 units at RM1.00 each. RM1.00 x 100 = RM100 Let's say you get 10 units extra from distribution. After distribution you hold 110 units at RM0.9091 each. RM0.9091 x 110 = RM100 Now, let's assume you top up RM10 after ex-date, RM10 / RM0.9091 = 11 units bought Value of your holdings now: (110 + 11) x RM0.9091 = RM110 Initial value: RM100 Top up: RM10 Total: RM110 Yes, topping up after distribution ex-date brings your unit cost down. BUT AT THE SAME TIME the value per unit i.e. NAV price also comes down - IT MAKES NO DIFFERENCE whether you top up before or after ex-date. Cost per unit in UT means little in isolation, the difference between cost per unit and NAV price multiplied by your units held is what matters. (iv) Distribution = Income » Click to show Spoiler - click again to hide... « In such scenario, whether the fund makes distribution or not also you will gain! To avoid confusion, DON'T THINK ABOUT NAV PRICE, think VALUE (no. of units held x NAV price). E.g. Got distribution One day before ex-date you hold RM1,000 (RM1.0000 x 1,000 units) The next day its ex-date AND (assuming) distribution is also credited on the same day, you also hold RM1,000 (RM0.9091 x 1,100 units), let's assume that you got 100 units from the distribution. The fund's underlying investments gained 8% in the next 3 months Your holdings: (RM0.9091 + 8%) x 1,100 units = RM0.9818 x 1,100 units = RM1,080 No distribution Your holdings value: RM1,000 (RM1.0000 x 1,000 units) The fund's underlying investments gained 8% in the next 3 months Your holdings: (RM1.0000 + 8%) x 1,000 units = RM1.0800 x 1,000 units = RM1,080 » Click to show Spoiler - click again to hide... « Distribution is very relevant especially to retiree investors who want a source of income. For this type of investors, basically what they can do is to invest in a fund that has a distribution policy, and elect to receive distributions in the form of CASH. To an investor who elect to receive distributions in cash, distributions are a form of income, a cash inflow; gains in NAV price are capital growth. E.g. upon retirement you have RM1mil which you invest in a fund. The fund that you invested in made a return of 10% and declares 8% as dividend for the financial year, that's RM80,000 of cash inflow for you! Of course, when a distribution is declared and paid, the NAV price will drop proportionately. The balance of 2% that are not declared as distribution will be reinvested for future growth. 4. Annual Management Charge, Trustee Fee and NAV pricing » Click to show Spoiler - click again to hide... « NAV stands for "Net Asset Value", an accounting term which simply means the value of TOTAL ASSETS less TOTAL LIABILITIES. In unit trust accounting, Annual Management Charge and Trustee Fee are accrued daily and reflected in the NAV pricing. Now let me explain by using a simple example... - The annual salary for the Fund Manager of Huat Huat Equity Fund is fixed at 1% of the Asset Under Management (AUM) - As at today, value of AUM for Huat Huat is RM100M - Fund size of Huat Huat is 100M units Just like most of us, the FM's salary is paid monthly in arrears. But for the purpose of accounting, it has to be accrued daily. Thus, as at end of today, Huat Huat would have total assets of RM100M and a LIABILITY in the form of the FM's 1-day unpaid salary. NAV for Huat Huat today is: RM100M - (RM100M x 1% x 1/365) = RM100M - RM2,739.73 = RM99,997,260 NAV price today: RM99,997,260 / 100M units = RM0.9999 Investors do not need to separately pay for the Management Fee and Trustee Fee, these charges are already deducted from the value of our holdings. 5. Return On Investment (ROI) vs Annualised Return, similar to Internal Rate of Return (IRR) » Click to show Spoiler - click again to hide... « Important link to v8 - The MS Excel Masterclass version! Download here >>> Pinky's Portfolio Worksheet with IRR Calculation Download here >>> Pinky's Portfolio Worksheet with IRR Calculation Download here >>> polarzbearz's Portfolio Summary / Spreadsheet Conversion Tool 2.2B Stable Version: http://bit.ly/polarzbearzPortfolioSummary2b (this is the previous stable version patched for FSMOne) 3.1 Latest Version: http://bit.ly/polarzbearzPortfolioSummaryv31a FSM Conversion Tool (only compatible with v3.1): http://bit.ly/polarzbearzPortfolioSummaryConversionToolv31a For more detailed release note / instructions, please read this post Make sure you read the instructions as many of the cells have formula in it. You can freely modify, update, or change it to suit your needs (and even share with others if you don't mind ) For Mac Users (credit to idyllrain): » Click to show Spoiler - click again to hide... « QUOTE(idyllrain @ Feb 5 2017, 09:11 PM) skynode, hong823 Here. Coded and tested on Office for Mac 2011 MacOS Sierra. [attachmentid=8460169] This version below should run on Office for Mac 2016, but I've not tested it [attachmentid=8460188] Caveats: Like the Windows version, the moment FSM changes the structure or URL of the NAV page, this code will break. This is unavoidable since FSM does not provide an interface to get NAV data. I'm also assuming that the "curl" and "perl" commands are available on your Mac at the standard locations (You can test it by open the Terminal app and typing "perl --version" and "curl --version"; you should see some information about the version numbers printed out). Details below if you'd like to know what is actually being run. » Click to show Spoiler - click again to hide... « Since Excel 2011 for Mac does not support the msxml2.xmlhttp or winhttp.winhttprequest.5.1 objects (for downloading of webpage), and does not support creating HTML/XML data objects (for manipulation of data) and does not support regular expressions (wtf?) (for data extraction), this macro relies on two applications bundled with OSX: cURL (to download the page), and the Perl Interpreter (to extract and manipulate data). The command being run is as follows (+ explanation): CODE curl --silent --get -data "id=FUND_CODE_HERE" https://www.fundsupermart.com.my/main/fundinfo/dailyPricesHistory.tpl \| perl -0777 -ne 'print "$1;$2" if /"a">.?(\d+\.\d+).?bdtext_style\W>(.?)<\/td>/s' curl: "See URL". Used to download pages/resources at a URL. --silent: Does not print progress --get: Uses HTTP GET to send the data specified in -d -d: The data to send "id=FUND_CODE_HERE": The "fund code" part of the URL https://www.fundsupermart.com.my/main/fundinfo/dailyPricesHistory.tpl: The webpage So this command downloads the webpage at https://www.fundsupermart.com.my/main/fundinfo/dailyPricesHistory.tpl?id=FUND_CODE_HERE* \|: The "pipe" character. This sends the output of the first command to the second command. perl: Run the Perl Interpreter. This is a program that can run codes in the Perl programming language. -0777: Prevents line splitting (take all input and consider it as one line) -n: Take previous output and take it into Perl line by line -e: Execute the given command (in quotations, explained below) At this stage, we've taken the downloaded page and dumped it into Perl for processing. The next step is to run Perl code/instructions to extract and manipulate the data. print "$1;$2": Print the first extracted data ($1, this is the NAV), and second extracted data ($2, this is the date) if: Run the "print" command if the next pattern matches */"a">.?(\d+\.\d+).?bdtext_style\W>(.?)<\/td>/s*: This is the pattern (Regular Expression pattern), it just describes the text of the HTML file and extracts the NAV (\d+\.\d+) and date (.?) Performance data for most Malaysia funds (inclusive of non-FSM available funds like funds available in the respective insurance companies) (credit to dasecret) : iPortfolio Golden Quote Happy investing! Disclaimer - I am not a UT agent, nor am I employed by FSM. All my comments here are posted in good faith and with the intention to share knowledge. I am not to be held liable for any losses that may be incurred as a result of following any advice/opinion shared here. I believe the same should be applicable for any other LYN members posting here. This post has been edited by MilesAndMore: Oct 19 2020, 09:55 PM
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TSAIYH	Feb 9 2017, 11:12 AM Show posts by this member only \| Post #2
Regular Senior Member 1,166 posts Joined: Jul 2016	Continue from FundSuperMart v17 (FSM) MY QUOTE Ponzi 1.0 ---> Affin Hwang Select Asia (Ex Japan) Quantum Fund Ponzi 2.0 ---> CIMB-Principal Asia Pacific Dynamic Income Fund Evergreen Fund / Lee Sook Yee ---> Kenanga Growth Fund Aladdin Fund ---> Aberdeen Islamic World Equity Fund Kap Chai Fund ---> Eastspring Investment Small-Cap Fund Titanic Fund ---> CIMB-Principle Global Titan Fund Anitamui Fund ---> Libra Asnita Bond Fund Esther Bond / Esther Teo ---> Affin Hwang Select Bond Fund (MYR) Selina REIT / Selina Yong ---> AmAsia Pacific REITs - Class B (MYR) p/s: Reason for nickname Ponzi Because of its impressive return in short term (historical) blackchides liked this post
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Avangelice	Feb 9 2017, 11:21 AM Show posts by this member only \| Post #3
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	lol. more and more names for them funds. btw Anita no more a darling when we got esther Avangelice reporting in! This post has been edited by Avangelice: Feb 9 2017, 11:24 AM
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TSAIYH	Feb 9 2017, 11:26 AM Show posts by this member only \| Post #4
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Avangelice @ Feb 9 2017, 11:21 AM) lol. more and more names for them funds. btw Anita no more a darling when we got esther Avangelice reporting in! Nonetheless, anita is still a good fund compared to other local bond funds. It can be a supplement for those who seek diversification into local market
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ketnave	Feb 9 2017, 11:35 AM Show posts by this member only \| Post #5
Enthusiast Senior Member 868 posts Joined: Sep 2009 From: douchistan, pekopon	QUOTE(AIYH @ Feb 9 2017, 11:26 AM) Nonetheless, anita is still a good fund compared to other local bond funds. It can be a supplement for those who seek diversification into local market How does Libra Asnita Bond Fund (or other bond funds) differs from Money Market Fund (Cash Mgmt Fund) ?
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TSAIYH	Feb 9 2017, 11:38 AM Show posts by this member only \| Post #6
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(ketnave @ Feb 9 2017, 11:35 AM) How does Libra Asnita Bond Fund (or other bond funds) differs from Money Market Fund (Cash Mgmt Fund) ? Money Market Fund mainly invest in super short term maturity bonds and FD (mostly up to one year) (high liquidity and stable yield due to less risk exposure) Whereas Fixed Income Fund can invest in varying maturity of bonds (Higher yield but take on more risk comapred to MMF depending on the type of bond invested) This post has been edited by AIYH: Feb 9 2017, 11:40 AM
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nexona88	Feb 9 2017, 11:55 AM Show posts by this member only \| Post #7
The Royal Club Member All Stars 48,418 posts Joined: Sep 2014 From: REality	Reporting in
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SUSyklooi	Feb 9 2017, 11:59 AM Show posts by this member only \| Post #8
Look at all my stars!! Senior Member 8,188 posts Joined: Apr 2013	Checking in A Further 21 Great Investment Quotes March 29, 2017 Author : AMP Capital Investors Limited https://www.fundsupermart.com.my/main/resea...es-29-Mar--8166 eUT / POEMs / Phillip Mutual Berhad UT discussion, Coz' Fundsupermart not cheapo enuf'! https://forum.lowyat.net/topic/4268975 as at 23/6/19, .... latest polarzbearz file....post 15976, page 799, https://forum.lowyat.net/index.php?showtopi...&#entry91302147 polarzbear files for MAC version 32 bits and 64 bits post# 539 https://forum.lowyat.net/index.php?showtopi...&#entry83747364 ~~As of 8:30PM, 21 Dec 2018~~ again another website change 1 Nov 2020, we can no longer get NAV prices from the old link at https://www.fundsupermart.com.my/main/fundi....tpl?id=MYKNGGF This means that if you're using the old Windows or Mac versions of this spreadsheet, it will no longer retrieve the latest prices since that page is no longer there. possible solution, check out post 15983, page 800 by Idyllrain (this may not work again since 1 Nov 2020 change) https://forum.lowyat.net/topic/4193169/+15980#entry91305801 per updated new updated Excel links in posting# 23392 by Polarzbearz on 10 Oct 2020, (Read from page 1170, post 23392 to 23405 for more tips) https://forum.lowyat.net/topic/4193169/+23380#entry98481881 Polarzbearz made another patch to cater for the new website change on 1 Nov 2020,....read post 23618, page 1181 idyllrain added in post 23619 & 23620 too https://forum.lowyat.net/topic/4193169/+23600#entry98758263 Polarzbearz file that Can zoom in/out from YEAR down to WEEK, plus added legends to see the fund at overview chart. Values are hidden for obv reasons page 702, post 14033 https://forum.lowyat.net/topic/4193169/+14020#entry89196345 Retired fund IRR troubleshooting for Polarzbearz file..... post 7225 https://forum.lowyat.net/topic/4193169/+7220 https://forum.lowyat.net/topic/4193169/+7440 QUOTE(idyllrain @ May 29 2017, 05:00 PM) You can copy paste the URL in the window of the Morningstar Portfolio X-Ray into a new tab, and change the "USD" at the end of the URL address to "MYR" to make it calculate performance based on Ringgits. Then click on the PDF link to open the PDF report with the correlations and it will be in MYR. Post# 5088, https://forum.lowyat.net/topic/4193169/+5080 where is the morning star's tool Post# 5119, page 256 https://forum.lowyat.net/topic/4193169/+5120 how to get the NAVs into excel sheet....by forummer "honsiong" page 166, post 3309 https://forum.lowyat.net/topic/2064127/+3300#entry91840595 The Perils Of Forecasting And The Need For A Disciplined Investment Process https://www.fundsupermart.com.my/main/resea...ss-31-May--8422 6 Steps To Fixing Your Portfolio Amidst A Market Crash December 10, 2008 Investors who suffered serious losses in their portfolios should not be panicking now. Instead, it may be a good time to re-look your portfolios and do a bit of doctoring. https://www.fundsupermart.com.my/main/resea...arket-Crash-147 currency appreciation does not grow in tandem against ALL currencies.... http://www.bangkokpost.com/business/news/1...t-tourist-stays Here’s What You Can Do To Lock In Investment Profits [16 Jun 17] https://secure.fundsupermart.com/fsm/articl...7-?locale=en_us two old wives’ tales that may possibly cloud an investors’ decision 2 Big Mistakes Investors Make in Unit Trust Investments Unit Trusts with Lower NAVs Are Better Buys Frequent Dividend Declaration Indicates That the Fund Is Doing Well https://www.fundsupermart.com.my/main/resea...June-2017--8510 How EPF calculates its dividend? formula..... page 152, post 3023 (page 151, post 3006) EPF DIVIDEND, EPF https://forum.lowyat.net/topic/2705461/+3020 advise to newbies..... https://forum.lowyat.net/topic/4344627/+0#entry85476209 To cut loss or to invest more in a dipping market depends on the..... post 12613 https://forum.lowyat.net/topic/4193169/+12600 where to get the mkts PER Post 12619 https://forum.lowyat.net/topic/4193169/+12600 Introduction to Portfolio Management https://secure.fundsupermart.com/main/resea...?articleNo=4383 what is 3yrs volatility % post# 7330 https://forum.lowyat.net/topic/4193169/+7320#entry85816344 Do You Really Understand Risk Diversification? https://secure.fundsupermart.com.hk/fsm/art...ification-14649 How to measure a portfolio's Risks (youtube) page 742, post 14821 https://forum.lowyat.net/topic/4193169/+14820 How Did Dollar Cost Averaging (DCA) Fare Over The Past 100 Years? https://www.fundsupermart.com.my/main/resea...100-Years--2069 QUOTE(walkman660 @ Oct 13 2017, 05:32 PM) https://ufile.io/cco0j anyone need simple version of excel file can download from the link above , pm me if have any doubt sample per page 452, post 9031 Sui Jau's .... "The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount. Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust. Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash. The key thing is you have to accumulate investing experience. No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher." https://secure.fundsupermart.com/main/resea...SJBlog_20141031 to bad....the link to Sui Jau's blog in Fundsupermart SG website has ceased to function from 17 December 2018.... The benefits of staying invested.... http://affinhwangam.com/benefits-of-staying-invested/ many links to articles on "rebalancing" post# 9946 https://forum.lowyat.net/topic/4193169/+9940 ...."do I need to report or pay tax if I earned from these investments dividends and appreciation?" https://forum.lowyat.net/topic/4436982 According to the IRB, the net profit gained from the share market is taxable if the transaction is done repeatedly. https://www.thestar.com.my/news/nation/2012...e-to-be-taxing/ Medical bills, rent and shares https://www.thestar.com.my/news/nation/2012...oJb2ioapQOMa.99 FSM HK/SG without opening bank a/c.....read page 550 https://forum.lowyat.net/topic/4193169/+11000 some forummers keep bond funds in their port for this.....post 12137 https://forum.lowyat.net/topic/4193169/+12120#entry88080593 how to best utilize that FI asset in the port........post 12008 https://forum.lowyat.net/topic/4193169/+12000 how to DIY calculate the dividend....post 12217 https://forum.lowyat.net/topic/4193169/+12200 to invest a little money for short term what is best? post 1569 https://forum.lowyat.net/topic/3004579/+1560#entry88150112 how to invest if you have xxxk in saving post# 2 https://forum.lowyat.net/topic/4632367/+0#entry89846565 Investment is a Plan … not a Procedure or a Product https://kclau.com/investment/investment-is-a-plan/ How do you choose from many different types of investment available in Malaysia? https://ringgitohringgit.com/types-of-inves...le-in-malaysia/ How Good Are Unit Trusts as Investments? https://www.fimm.com.my/pdf/seminar%20slide...Investments.pdf some example of how bad a fund can drop in a day....page 654 https://forum.lowyat.net/index.php?showtopi...&#entry88490028 BADDEST Year for me....2018 2018 year in review.....some details of the effect of this BAD year https://www.fundsupermart.com.my/fsmone/art...n-Review-Part-1 ....see how much a fund can drop in 2018..... "....As of 31 December 2018, there are 204 equity funds on our platform with full year return in 2018. 202 (99.0%) of the equity funds posted losses while merely 2 (1.0%) of the funds clocked positive returns......" https://www.fundsupermart.com.my/fsmone/art...erciless-Market Out of the 764 Malaysian stocks that have a full year return for 2018, we see more than 40% of them posting losses exceeding -30% while there were only less than 20% of the listed companies delivering positive returns in 2018. https://www.fundsupermart.com.my/fsmone/art...n-Review-Part-2 How to get price/value direct pulled from Bloomberg into your google sheet (cannot use on MS Excel) by forummer Roarus post 552, page 28 eUT / POEMs / Phillip Mutual Berhad UT discussion, Coz' Fundsupermart not cheapo enuf'! https://forum.lowyat.net/topic/4268975/+540#entry97514611 Mathematical calculation to shows ASB loan is worth it..... page 164. https://forum.lowyat.net/topic/667676/+3260#entry88820644 post 31, https://forum.lowyat.net/topic/4621490/+20 unless the top up is significant and the returns is huge,...else no impact to the ROI of portfolio page 1080 https://forum.lowyat.net/topic/4193169/+21580 if really scares and want to take profits to protect the profit... page 1083 https://forum.lowyat.net/topic/4193169/+21640 5 Common Misconceptions on Unit Trust Investing https://howtofinancemoney.com/unit-trust-misconception Not Sure How To Choose A Fund? It is without question that we always want to select the best fund for our portfolios. In the minds of many, the “best-in-class” fund tends to be the one that can offer investors the highest returns among its peers. ....but just looking purely at returns alone, however, does not reveal much about a fund. https://secure.fundsupermart.com/fsm/articl...-right-this-way How to pick quality funds? https://secure.fundsupermart.com.hk/fsm/art...ity-Funds-14724 Not Sure How To Choose A Fund? Right This Way. https://secure.fundsupermart.com/fsm/articl...-right-this-way 3 indicators to determine the capability of a FM https://secure.fundsupermart.com.hk/fsm/art...s-Ability-14755 Retirement investing do's and don'ts https://finance.yahoo.com/news/retirement-i...-120101675.html Mindsets for your investing success https://www.thestar.com.my/business/busines...esting-success/ Wall Street's in record ground. What do investors do now? https://sg.finance.yahoo.com/news/wall-stre...-040547028.html SSPN dividend calculation page 97, post 1921 by former Rapple https://forum.lowyat.net/topic/1819492/+1920 cut off date for dividend calculation page 136, post 2718 by former Jefftan4888 https://forum.lowyat.net/topic/1819492/+2700 linking sspn to bank islam page 127, post 2527 https://forum.lowyat.net/topic/1819492/+2520 SSPN withdrawal page 115, post 2294 post 2297 lagi easy.... SSPN, Skim Simpanan Pendidikan Nasional https://forum.lowyat.net/topic/1819492/+2280 SSPN a/c to Bank Islam ATM FAQs http://www.bankislam.com.my/home/assets/up...BMC-amended.pdf EPF dividend calculation.... page 133, post 2654, by Orangutan https://forum.lowyat.net/topic/2705461/+2640 EPF dividend is based on 1 day of the month + ..... page 14, post 277 & 279, 280, 282, 283..... https://forum.lowyat.net/topic/4745820/+260 post 4072, page 204 by believe ...confirmed it... https://forum.lowyat.net/topic/2705461/+4060#entry95545562 How to Calculate EPF Dividend? https://1-million-dollar-blog.com/how-to-ca...e-epf-dividend/ how to open a singapore CIMB fastsaver account from Malaysia in details? page 141, post 2801, by forumer mrbean12345 Opening a Bank Account in Singapore https://forum.lowyat.net/topic/1440794/+2800 and page 145, post 2884, by forumer sohailili https://forum.lowyat.net/topic/1440794/+2880#entry97994711 a more appropriate correct phrase/reason to buy medical insurance when younger compared to older... from post 1259 ~ 1263, page 63 ~ 64 Insurance Talk V6!, Everything about Insurance https://forum.lowyat.net/topic/4919324/+1240 For a fresh graduate, which should be the priority - medical insurance or term/whole life insurance? read post 1455 to 1461 https://forum.lowyat.net/topic/4919324/+1440 Are You a Myopic Investor? The Myopic Investor – blindsided by temporary losses, they were unable to look at the longer horizon and unable to figure out the better choice. In 1995, Benartzi and Thaler came up with myopic loss aversion (MLA) to explain the equity premium puzzle, where the S&P 500 earned over 6 percent annually more than Treasury bills from the studied period of 1889 to 1978. MLA combines two factors – loss aversion and mental accounting. The former is explained above, while mental accounting deals with aggregation – whether securities are evaluated individually or as a portfolio, and how often they are evaluated. They defined a myopic investor as one who frames decisions and outcomes narrowly, i.e., making short-term choices rather than adopting long-term policies, and evaluating his gains and losses frequently. https://secure.fundsupermart.com/fsm/articl...myopic-investor What is momentum investing? In practice, momentum investing involves the decision of purchasing stocks that have been performing relatively stronger and selling stocks that have been performing relatively weaker. In another word, momentum investing encourages one to buy high and sell higher. In fact, the concept of momentum investing can be explained by the first law of motion discovered by Sir Issac Newton which stated that “an object at rest stay at rest and an object in motion stays in motion with the same speed and in the same direction unless acted upon by an unbalanced form”. Similarly, in the stock market, a rising market tends to attract more buyers whereas a falling market tends to attract sellers, which can be explained by a few behavioral biases such as overconfidence and herding effect. https://www.fundsupermart.com.my/main/resea...-Investing-9289 Search for the Holy Grail: Buying Low, Selling High? Buy low and sell high. This phrase has been repeated and emphasised for ages yet it is easier said than done. In this thought experiment, we explore the possibility of this strategy and evaluate how well it works. https://secure.fundsupermart.com/fsm/articl...ow-selling-high Things Investors Need To Be Cautious About The DCA method requires investors to conduct long-term investment in a very disciplined manner and be tolerant of market fluctuations throughout the investment horizon. If an investor loses his patience and stops investing regularly or sells the assets, it will result in failure of the DCA method. The DCA method cannot demonstrate its full effectiveness in a strong bull market. Moreover, unless the investor intends to use the DCA method for saving purpose or is short of sufficient investment capital, the method is usually not as effective when used on fixed income funds as it is on equity funds. This is because the price volatility of fixed income funds is relatively lower than that of equity funds, and in the long run, the coupon income generated from fixed income funds tends to bolster the net asset value steadily. The DCA method offers other advantages as well. Firstly, the method can help lower the average investment cost for each unit. Even if the fund price falls below the initial subscription price, the investor's loss will still be lower compared to using the lump sum investing strategy, thus reducing the risk of capturing the wrong market timing. Secondly, the initial investment amount using the DCA method is lower than that of lump sum investing. In this way, investors can achieve both their savings and investment goals at the same time depending on their cash flow status. This method is particularly suitable for investors who tend to invest regularly with a steady income (such as a salary). Unlocking the code of your financial freedom Read more at https://www.thestar.com.my/business/busines...IJc0TbfRAvOb.99 Banks to report cash transactions above RM25k as at Jan 1, 2019 Read more at https://www.thestar.com.my/business/busines...6d4upPbFtXUz.99 Why THB is stronger than MYR? Ringgit, oh ringgit https://www.thestar.com.my/business/busines...ggit-oh-ringgit Lower OPR doesn't mean cheaper financing for all, especially for new applicants https://forum.lowyat.net/topic/4956590 Enjoy yourself, it's later than you think ~~~~ song and lyrics page 915 This post has been edited by yklooi: Nov 1 2020, 05:45 PM Attached File(s) Benefits_Of_Staying_Invested.pdf ( 937.47k ) Number of downloads: 343 Positioning_in_a_Market_Correction_Mar_2018_Affin.pdf ( 1001k ) Number of downloads: 307
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Avangelice	Feb 9 2017, 12:25 PM Show posts by this member only \| Post #9
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	CIMB-Principal Greater China Equity Fund RM 250.00 AmAsia Pacific REITs - Class B (MYR) RM 250.00 CIMB-Principal Asia Pacific Dynamic Income Fund RM 500.00 TA Global Technology Fund Cash Management Fund RM 200.00 My february top up
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cheahcw2003	Feb 9 2017, 12:39 PM Show posts by this member only \| Post #10
Look at all my stars!! Senior Member 5,379 posts Joined: Jul 2009	QUOTE(Avangelice @ Feb 9 2017, 11:21 AM) lol. more and more names for them funds. btw Anita no more a darling when we got esther Avangelice reporting in! i still like RHB Islamic Bond fund. Fund size tripled in less than a year to > RM200 mil. Guess lots of institutional investors joined in.
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wodenus	Feb 9 2017, 01:06 PM Show posts by this member only \| Post #11
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(Avangelice @ Feb 9 2017, 12:25 PM) CIMB-Principal Greater China Equity Fund RM 250.00 AmAsia Pacific REITs - Class B (MYR) RM 250.00 CIMB-Principal Asia Pacific Dynamic Income Fund RM 500.00 TA Global Technology Fund Cash Management Fund RM 200.00 My february top up Cool.. using the automatic top up thing on FSM? This post has been edited by wodenus: Feb 9 2017, 01:07 PM
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Avangelice	Feb 9 2017, 01:17 PM Show posts by this member only \| Post #12
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(wodenus @ Feb 9 2017, 01:06 PM) Cool.. using the automatic top up thing on FSM? nope. strategic DCA. top up where ever i feel that is giving a good return. there are a few months I don't do any top up at all. keeping around 10k in case the market correction happens so I can pump in money into my portfolio
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mois	Feb 9 2017, 02:04 PM Show posts by this member only \| Post #13
Enemy Territory Senior Member 3,625 posts Joined: Nov 2007 From: Hornbill land	Just read few pages back. Seem investors here avoiding Malaysia market. Maybe time to sell kenanga and eastspring small cap? Edited: Sailang AMreits too! This post has been edited by mois: Feb 9 2017, 02:12 PM
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contestchris	Feb 9 2017, 02:14 PM Show posts by this member only \| Post #14
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(mois @ Feb 9 2017, 02:04 PM) Just read few pages back. Seem investors here avoiding Malaysia market. Maybe time to sell kenanga and eastspring small cap? Where did you read this? Also, Kenanga and Eastspring have followed the trend of FBMSCAP more than FBMKLCI so far this year based on my tracking. So don't just look at the topline performance. FBMKLCI was -2% for 2016, FBMSCAP was down by -8%. This year, it's the other way round, FBMKLCI is trailing FBMSCAP. The one fund which actually almost mirrors the FBMSCAP performance is CIMB Small Cap Fund. But of course it leaves you very exposed especially since small caps have rallied over the past 45 days in Malaysia. This post has been edited by contestchris: Feb 9 2017, 02:14 PM
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wayne84	Feb 9 2017, 02:26 PM Show posts by this member only \| Post #15
Casual Junior Member 463 posts Joined: Nov 2007	QUOTE(mois @ Feb 9 2017, 02:04 PM) Just read few pages back. Seem investors here avoiding Malaysia market. Maybe time to sell kenanga and eastspring small cap? Edited: Sailang AMreits too! Parking first ..FSM v18 (mesti huat) Most of us just avoid major topping up and dont focus on msia fund too much as lack of positive factor that making msia market look attractive. Actually most of us are collecting bullet... political factor may also another factor that i will hold, wait n see...
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xuzen	Feb 9 2017, 02:36 PM Show posts by this member only \| Post #16
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(mois @ Feb 9 2017, 02:04 PM) Edited: Sailang AMreits too! Meet Mr Harry, He says Hi!
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xuzen	Feb 9 2017, 02:37 PM Show posts by this member only \| Post #17
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(wayne84 @ Feb 9 2017, 02:26 PM) Parking first ..FSM v18 (mesti huat) Most of us just avoid major topping up and dont focus on msia fund too much as lack of positive factor that making msia market look attractive. Actually most of us are collecting bullet... political factor may also another factor that i will hold, wait n see... Actually I feel like sai lang into Asia Pacific ex Japan wor.... tangan darn itchy liao! Xuzen
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mois	Feb 9 2017, 02:42 PM Show posts by this member only \| Post #18
Enemy Territory Senior Member 3,625 posts Joined: Nov 2007 From: Hornbill land	QUOTE(xuzen @ Feb 9 2017, 02:37 PM) Actually I feel like sai lang into Asia Pacific ex Japan wor.... tangan darn itchy liao! Xuzen Lai lai. Together fly & sink.
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wayne84	Feb 9 2017, 03:21 PM Show posts by this member only \| IPv6 \| Post #19
Casual Junior Member 463 posts Joined: Nov 2007	QUOTE(xuzen @ Feb 9 2017, 02:37 PM) Actually I feel like sai lang into Asia Pacific ex Japan wor.... tangan darn itchy liao! Xuzen ur Algozen say ok to sai lang ??
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MUM	Feb 9 2017, 03:55 PM Show posts by this member only \| Post #20
10k Club All Stars 14,854 posts Joined: Mar 2015	QUOTE(mois @ Feb 9 2017, 02:04 PM) Just read few pages back. Seem investors here avoiding Malaysia market. Maybe time to sell kenanga and eastspring small cap? Edited: Sailang AMreits too! QUOTE(xuzen @ Feb 9 2017, 02:36 PM) Meet Mr Harry, He says Hi! some one posted this recently..... Are Asian REITs Still Attractive? [3 February 2017] https://www.fundsupermart.com.my/main/resea...uary-2017--7959
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xuzen	Feb 9 2017, 03:59 PM Show posts by this member only \| Post #21
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(wayne84 @ Feb 9 2017, 03:21 PM) ur Algozen say ok to sai lang ?? Yes and this is what scares me.... I need to use my wisdom and human intellect on this. On one hand the numbers inputted into Algozen™ is saying sai-lang into Asia Pac ex Japan..... On another hand my fear factor is making me hold back (after all I am still a human not robot, meaning I still possess greed and fear). Xuzen
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drew86	Feb 9 2017, 04:04 PM Show posts by this member only \| Post #22
Getting Started Junior Member 197 posts Joined: Sep 2007	QUOTE(xuzen @ Feb 9 2017, 03:59 PM) Yes and this is what scares me.... I need to use my wisdom and human intellect on this. On one hand the numbers inputted into Algozen™ is saying sai-lang into Asia Pac ex Japan..... On another hand my fear factor is making me hold back (after all I am still a human not robot, meaning I still possess greed and fear). Xuzen Good to still be human. After all the market reacts rather strongly to psychology and sentiments.
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spiderman17	Feb 9 2017, 05:19 PM Show posts by this member only \| Post #23
Casual Junior Member 309 posts Joined: Nov 2011	QUOTE(xuzen @ Feb 9 2017, 03:59 PM) Yes and this is what scares me.... I need to use my wisdom and human intellect on this. On one hand the numbers inputted into Algozen™ is saying sai-lang into Asia Pac ex Japan..... On another hand my fear factor is making me hold back (after all I am still a human not robot, meaning I still possess greed and fear). Xuzen How often do you speak to algozen? Monthly? Weekly? If on the next session it still says the same thing, maybe we should all sailang
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wayne84	Feb 9 2017, 06:03 PM Show posts by this member only \| IPv6 \| Post #24
Casual Junior Member 463 posts Joined: Nov 2007	QUOTE(xuzen @ Feb 9 2017, 03:59 PM) Yes and this is what scares me.... I need to use my wisdom and human intellect on this. On one hand the numbers inputted into Algozen™ is saying sai-lang into Asia Pac ex Japan..... On another hand my fear factor is making me hold back (after all I am still a human not robot, meaning I still possess greed and fear). Xuzen Hehehe.. many ppl tailgate u. my portfolio is on heavy apac ex jp. 40% on this region btw... sai or not sai lang stil the same. My emerging market fund also on steriod recently...scary
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OptimusStar	Feb 9 2017, 06:25 PM Show posts by this member only \| Post #25
Enthusiast Senior Member 801 posts Joined: Nov 2012	Guys , need some advice here. I have invested same amount in both CIMB Titans and AP means my investment portfolio is 50% 50%/ . Now the NAV value is 20% higher, and for both fund there was no distribution last year. I understand from this forum if the price drop next year, i dont get anything So in my current situation , what should i do? Since the NAV price is high now, i think it doesnt make sense to do a top up ? Does this mean i need to sell both the funds , enjoy the profit and reinvest into another fund with lower NAV? Or is there another strategy here?
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T231H	Feb 9 2017, 07:16 PM Show posts by this member only \| Post #26
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(OptimusStar @ Feb 9 2017, 06:25 PM) Guys , need some advice here. I have invested same amount in both CIMB Titans and AP means my investment portfolio is 50% 50%/ . Now the NAV value is 20% higher, and for both fund there was no distribution last year. I understand from this forum if the price drop next year, i dont get anything So in my current situation , what should i do? Since the NAV price is high now, i think it doesnt make sense to do a top up ? Does this mean i need to sell both the funds , enjoy the profit and reinvest into another fund with lower NAV? Or is there another strategy here? if your concern is you will not get anything if the price dropped......why not sell off the profits amount and go buy yourselve something nice or good to have? Else if there is nothing material to do with the profit.....you can switch that profits into cmf or aniista bond fund for some diversification n some dry powder.
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OptimusStar	Feb 9 2017, 07:19 PM Show posts by this member only \| Post #27
Enthusiast Senior Member 801 posts Joined: Nov 2012	QUOTE(T231H @ Feb 9 2017, 07:16 PM) if your concern is you will not get anything if the price dropped......why not sell off the profits amount and go buy yourselve something nice or good to have? Else if there is nothing material to do with the profit.....you can switch that profits into cmf or aniista bond fund for some diversification n some dry powder. My concern would be what is the general strategy? So diverse into another fund is that what you say ?
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TSAIYH	Feb 9 2017, 07:29 PM Show posts by this member only \| Post #28
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(OptimusStar @ Feb 9 2017, 07:19 PM) My concern would be what is the general strategy? So diverse into another fund is that what you say ? I think you need to understand that NAV =/= stock price. NAV is just the net asset per unit, it doesn't work the same as share price where the price reflect the financial health of the company. High NAV doesn't mean is going to bear and vice versa Same for distribution, where in mutual funds, the distribution is just a way to reduce the NAV to make it look attractive, unlike stock dividend where the dividend yield shows the company's profitability Funds which dont declare distribution doesn't mean the fund is performing badly and vice versa Rather, you should focus on whether the regions or the sectors that the funds invested is going to bull or bear in the short/mid/long term depending on your investment horizon and risk appetite. If you think that both funds will bear till it net your profit back to zero in say the near 1 year term, then you can sell to realized that profit to somewhere else like bonds or money market or FD or other funds that invested in regions/sectors that has potential bull in the period you expected
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Avangelice	Feb 9 2017, 07:32 PM Show posts by this member only \| Post #29
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(OptimusStar @ Feb 9 2017, 06:25 PM) Guys , need some advice here. I have invested same amount in both CIMB Titans and AP means my investment portfolio is 50% 50%/ . Now the NAV value is 20% higher, and for both fund there was no distribution last year. I understand from this forum if the price drop next year, i dont get anything So in my current situation , what should i do? Since the NAV price is high now, i think it doesnt make sense to do a top up ? Does this mean i need to sell both the funds , enjoy the profit and reinvest into another fund with lower NAV? Or is there another strategy here? optimus this is the very reason why we practice diversification when one fund isn't doing good you can sleep easily that the other three funds are helping you cover the lost. also doing research into what you are buying helps. so when you know a country is going through a turbulent time you can make an informed knowledge to continue on, top up or switch.
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chyz66	Feb 9 2017, 07:52 PM Show posts by this member only \| IPv6 \| Post #30
Look at all my stars!! Senior Member 2,805 posts Joined: Feb 2006	Just added selina into my portfolio this week, may the green force with us!
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Avangelice	Feb 9 2017, 07:56 PM Show posts by this member only \| Post #31
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(chyz66 @ Feb 9 2017, 07:52 PM) Just added selina into my portfolio this week, may the green force with us! when buying Selina remember that these two things affect her. 1) fed rate which is scheduled to happen twice this year. 2) the Malaysian Currency is currently undervalued by 12% (as per in the fsm article) if it goes up Selina will be affected. continue on DCA into Selina. my two cents bro.
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xuzen	Feb 9 2017, 08:08 PM Show posts by this member only \| Post #32
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(spiderman17 @ Feb 9 2017, 05:19 PM) How often do you speak to algozen? Monthly? Weekly? If on the next session it still says the same thing, maybe we should all sailang Now, after CNY less hectic time, perhaps will monitor forthnightly versus monthly... QUOTE(OptimusStar @ Feb 9 2017, 06:25 PM) Guys , need some advice here. I have invested same amount in both CIMB Titans and AP means my investment portfolio is 50% 50%/ . Now the NAV value is 20% higher, and for both fund there was no distribution last year. I understand from this forum if the price drop next year, i dont get anything So in my current situation , what should i do? Since the NAV price is high now, i think it doesnt make sense to do a top up ? Does this mean i need to sell both the funds , enjoy the profit and reinvest into another fund with lower NAV? Or is there another strategy here? Listen to T231H, our resident ~~FSM spy~~ contributor here, use the profit and buy something naiz for your lady friend this valentine! QUOTE(T231H @ Feb 9 2017, 07:16 PM) if your concern is you will not get anything if the price dropped......why not sell off the profits amount and go buy yourselve something nice or good to have? Else if there is nothing material to do with the profit.....you can switch that profits into cmf or aniista bond fund for some diversification n some dry powder. Hear hear! QUOTE(Avangelice @ Feb 9 2017, 07:32 PM) optimus this is the very reason why we practice diversification when one fund isn't doing good you can sleep easily that the other three funds are helping you cover the lost. also doing research into what you are buying helps. so when you know a country is going through a turbulent time you can make an informed knowledge to continue on, top up or switch. Optimus Prime isn't very optimistic is he? QUOTE(chyz66 @ Feb 9 2017, 07:52 PM) Just added selina into my portfolio this week, may the green force with us! Hello there big guy!
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T231H	Feb 9 2017, 08:42 PM Show posts by this member only \| Post #33
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	Psssst! before FSM upgrade this ...... Moody's raises Indonesia outlook http://www.bangkokpost.com/news/asean/1195...donesia-outlook
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Avangelice	Feb 9 2017, 09:28 PM Show posts by this member only \| Post #34
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(T231H @ Feb 9 2017, 08:42 PM) Psssst! before FSM upgrade this ...... Moody's raises Indonesia outlook http://www.bangkokpost.com/news/asean/1195...donesia-outlook two funds that invests primarily in Indonesia Eastspring Investments Indonesia MY Equity fund and RHB Indonesia Growth fund.
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xuzen	Feb 9 2017, 10:32 PM Show posts by this member only \| Post #35
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(T231H @ Feb 9 2017, 08:42 PM) Psssst! before FSM upgrade this ...... Moody's raises Indonesia outlook http://www.bangkokpost.com/news/asean/1195...donesia-outlook for those undecided , fickle minded or those prefering all you can type buffer style.... try CIMB threesome fun d Xuzen This post has been edited by xuzen: Feb 9 2017, 10:36 PM
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TSAIYH	Feb 9 2017, 10:36 PM Show posts by this member only \| Post #36
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(xuzen @ Feb 9 2017, 10:32 PM) for those undecided , fickle minded or those prefering all you can type buffer style.... try CIMB threesome fun Xuzen This one has better RRR compared to the three individual countries' fund EDIT : nvm, you edited after i post This post has been edited by AIYH: Feb 9 2017, 10:39 PM
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xuzen	Feb 9 2017, 10:37 PM Show posts by this member only \| Post #37
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	AIYH, you are right! The Threesome fun d has a risk adjusted reward ratio that is better than each individual funds. This is a clear demonstration of diversification at work! This post has been edited by xuzen: Feb 9 2017, 10:45 PM
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Avangelice	Feb 9 2017, 10:40 PM Show posts by this member only \| Post #38
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(xuzen @ Feb 9 2017, 10:32 PM) for those undecided , fickle minded or those prefering all you can type buffer style.... try CIMB threesome fun d Xuzen oh no not that Frankenstein fund. until now I still not sure how they managed to tie up Indonesia with two other countries with vastly different culture and governments. QUOTE on the other hand I wanna hijack the thread awhile before heading to bed. I am calling investors to donate a little for the girl who lost her family in the fire recently. bank account can be found in the thread. https://forum.lowyat.net/index.php?showtopic=4193710&hl= good night.
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2387581	Feb 9 2017, 11:44 PM Show posts by this member only \| IPv6 \| Post #39
Enthusiast Senior Member 755 posts Joined: Dec 2016	QUOTE(Avangelice @ Feb 9 2017, 10:40 PM) oh no not that Frankenstein fund. until now I still not sure how they managed to tie up Indonesia with two other countries with vastly different culture and governments. good night. Perhaps it is the economies of scale. These threesome has the largest population in Asian region. China 1.4b + India 1.3b + Indonesia 0.24b. Another common thing is that they are production powerhouse with cheap labour (not so much for China nowadays)
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wonglokat	Feb 10 2017, 09:17 AM Show posts by this member only \| Post #40
Getting Started Junior Member 247 posts Joined: Dec 2008	Good pointers and advice early in the thread. Nice. Reporting in for v18!
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SUSic no 851025071234	Feb 10 2017, 09:37 AM Show posts by this member only \| Post #41
Regular Senior Member 1,231 posts Joined: Mar 2015	I only invest in 2 fund with high return. The affin quantum and cimb dynamic income. No point diluting my return with lower performing fund. Oh forgot. Also for short term the rhb emerging market. This post has been edited by ic no 851025071234: Feb 10 2017, 09:37 AM
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puchongite	Feb 10 2017, 09:41 AM Show posts by this member only \| Post #42
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(ic no 851025071234 @ Feb 10 2017, 09:37 AM) I only invest in 2 fund with high return. The affin quantum and cimb dynamic income. No point diluting my return with lower performing fund. Oh forgot. Also for short term the rhb emerging market. Good stuff man ! Xuzen is just talking about sai lang Asia Pacific, and he himself hasn't got the gut to do it yet, you are ahead of him. Now Xuzen tailgates you ! And you can shout to everyone: "Eat my dust!"
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mois	Feb 10 2017, 10:34 AM Show posts by this member only \| Post #43
Enemy Territory Senior Member 3,625 posts Joined: Nov 2007 From: Hornbill land	Want to ask a simple question. Lets say we buy certain fund from CIMB through fundsupermart. If i walk in CIMB branch, i can check my records there or all things at FSM?
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TSAIYH	Feb 10 2017, 10:35 AM Show posts by this member only \| Post #44
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(mois @ Feb 10 2017, 10:34 AM) Want to ask a simple question. Lets say we buy certain fund from CIMB through fundsupermart. If i walk in CIMB branch, i can check my records there or all things at FSM? nope, the fund you bought via fsm is under ifast name, not your name
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puchongite	Feb 10 2017, 10:51 AM Show posts by this member only \| Post #45
20k VIP Club All Stars 33,585 posts Joined: May 2008	Anybody knows how could I monitor the Malaysia Small Cap stock index on real time basis ?
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TSAIYH	Feb 10 2017, 10:58 AM Show posts by this member only \| Post #46
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(puchongite @ Feb 10 2017, 10:51 AM) Anybody knows how could I monitor the Malaysia Small Cap stock index on real time basis ? If you have a stock trading account, that should do the job no?
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Avangelice	Feb 10 2017, 11:02 AM Show posts by this member only \| Post #47
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(puchongite @ Feb 10 2017, 10:51 AM) Anybody knows how could I monitor the Malaysia Small Cap stock index on real time basis ? you dont need a stock trading count to do that. just install klse screener app into your phone and monitor any funds from there
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wongmunkeong	Feb 10 2017, 11:04 AM Show posts by this member only \| Post #48
Barista FIRE Elite 5,608 posts Joined: May 2011 From: Here, There, Everywhere	QUOTE(puchongite @ Feb 10 2017, 10:51 AM) Anybody knows how could I monitor the Malaysia Small Cap stock index on real time basis ? https://www.investing.com/indices/malaysia-...otherIndices=on Chose your indices and track via your online stock brokerage platform I think this fits https://www.investing.com/indices/ftse-malaysia-small-cap unless U are specifically talking about ACE
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puchongite	Feb 10 2017, 11:08 AM Show posts by this member only \| Post #49
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(wongmunkeong @ Feb 10 2017, 11:04 AM) https://www.investing.com/indices/malaysia-...otherIndices=on Chose your indices and track via your online stock brokerage platform I think this fits https://www.investing.com/indices/ftse-malaysia-small-cap unless U are specifically talking about ACE The second url fits my use. Thanks.
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SUSic no 851025071234	Feb 10 2017, 11:23 AM Show posts by this member only \| Post #50
Regular Senior Member 1,231 posts Joined: Mar 2015	QUOTE(puchongite @ Feb 10 2017, 10:51 AM) Anybody knows how could I monitor the Malaysia Small Cap stock index on real time basis ? If need monitor so close for investing unit trust better straight invest the stocks. Get better return for your effort no need pay the management fees and what fees This post has been edited by ic no 851025071234: Feb 10 2017, 11:24 AM
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puchongite	Feb 10 2017, 11:28 AM Show posts by this member only \| Post #51
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(ic no 851025071234 @ Feb 10 2017, 11:23 AM) If need monitor so close for investing unit trust better straight invest the stocks. Get better return for your effort no need pay the management fees and what fees Yes I have a trading account but I don't logon to it so often. I only need to monitor it infrequently, but when I want to know, I want to know the current value instead of lagged one.
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Avangelice	Feb 10 2017, 11:29 AM Show posts by this member only \| Post #52
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(ic no 851025071234 @ Feb 10 2017, 11:23 AM) If need monitor so close for investing unit trust better straight invest the stocks. Get better return for your effort no need pay the management fees and what fees I concur. that's why I left a little allocation into kapchai and any spare money I have I dump into my stock account. with plenty of homework and time, you can buy into stocks that bring dividends and returns. all for 0.25% "service fee" QUOTE(puchongite @ Feb 10 2017, 11:28 AM) Yes I have a trading account but I don't logon to it so often. I only need to monitor it infrequently, but when I want to know, I want to know the current value instead of lagged one. theoretically speaking. if we have quarterly reports from the fund managers on what they have done with the fund, wouldn't it be easier to buy into the same stocks that the fund invests? example. KGF invests into MAHB and Tenaga and PBB. with additional research you find out KWSP invests into Tenaga so it makes sense to buy into Tenaga? This post has been edited by Avangelice: Feb 10 2017, 11:32 AM
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TSAIYH	Feb 10 2017, 11:56 AM Show posts by this member only \| Post #53
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Avangelice @ Feb 10 2017, 11:29 AM) I concur. that's why I left a little allocation into kapchai and any spare money I have I dump into my stock account. with plenty of homework and time, you can buy into stocks that bring dividends and returns. all for 0.25% "service fee" theoretically speaking. if we have quarterly reports from the fund managers on what they have done with the fund, wouldn't it be easier to buy into the same stocks that the fund invests? example. KGF invests into MAHB and Tenaga and PBB. with additional research you find out KWSP invests into Tenaga so it makes sense to buy into Tenaga? But I do not have enough money to invest directly with reasonable commission rate due to minimum commission Only have around 100-200 per month for Malaysia market, also need one year to buy just a stock with reasonable commission rate
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xuzen	Feb 10 2017, 12:13 PM Show posts by this member only \| Post #54
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(puchongite @ Feb 10 2017, 09:41 AM) Good stuff man ! Xuzen is just talking about sai lang Asia Pacific, and he himself hasn't got the gut to do it yet, you are ahead of him. Now Xuzen tailgates you ! And you can shout to everyone: "Eat my dust!" I think I will stick to DCA. Reason as below: » Click to show Spoiler - click again to hide... « Let me take you noobs down memory lane. "Hari ini dalam sejarah" Right now it is eerily similar to quarter two of year 2015, when the data was all pointing to sai lang into China! I too without using wisdom and a lack of experience sai lang up to 80% into China equity (IIRC it was CIMB Greater China UTF that I was participating then). The UTF's NAV was going up up up very aggressively. At that time I was using one year historical data to input into Algozen™. From mid 2014 to end quarter two of 2015, China fund was rocketing upwards. Then suddenly in mid 2015, all China fund was dropping when IIRC the govt of PRC impose some restriction to real estate purchase or something. The it hovers a little bit and in early 2016, the China circuit - breaker fiasco happened and sent the UTF NAV tumbling done. I remember I made quite a substantial lost through China (around 15 to 20 percent of total portfolio) and that is why my IRR would have been really affected by it. Xuzen p/s I will continue with my slow and steady (tortoise speed) DCA into Asia Pac ex japan UTF. Don't be greedy, earn enough = happy liao. Lesson learned: Most important in life is can sleep soundly in bed. This post has been edited by xuzen: Feb 10 2017, 12:15 PM
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vincabby	Feb 10 2017, 12:37 PM Show posts by this member only \| IPv6 \| Post #55
On my way Senior Member 664 posts Joined: Jun 2009	KLCI breached 1700. is it still gonna go up up up or profit skimming will happen?
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T231H	Feb 10 2017, 12:44 PM Show posts by this member only \| Post #56
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(vincabby @ Feb 10 2017, 12:37 PM) KLCI breached 1700. is it still gonna go up up up or profit skimming will happen? as always,...some corrections will happens later.... just not sure when it will be, for how long and how much.
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Avangelice	Feb 10 2017, 12:44 PM Show posts by this member only \| Post #57
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(vincabby @ Feb 10 2017, 12:37 PM) KLCI breached 1700. is it still gonna go up up up or profit skimming will happen? continue on!! there's more upside this year for malaysia with our elections coming in. if BN wins there will be more upside. sad to say foreign investors don't care about kronism and dictatorships. all they want is stability and status quo.
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killdavid	Feb 10 2017, 01:05 PM Show posts by this member only \| Post #58
Senior Satire Officer Senior Member 1,636 posts Joined: Aug 2005 From: Vault 13	QUOTE(T231H @ Feb 10 2017, 12:44 PM) as always,...some corrections will happens later.... just not sure when it will be, for how long and how much. Isn't this the correction itself ? Malaysia is undervalued right ?
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T231H	Feb 10 2017, 01:24 PM Show posts by this member only \| Post #59
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(killdavid @ Feb 10 2017, 01:05 PM) Isn't this the correction itself ? Malaysia is undervalued right ? yes, isn't it too fast? in just 1 week..up this much? what fundamental has changed? any good news? This post has been edited by T231H: Feb 10 2017, 01:24 PM Attached thumbnail(s)
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puchongite	Feb 10 2017, 01:46 PM Show posts by this member only \| Post #60
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(T231H @ Feb 10 2017, 01:24 PM) yes, isn't it too fast? in just 1 week..up this much? what fundamental has changed? any good news? Philippines increased so much ? That together with Malaysia small cap have pushed Ponzi 1.0 up. This post has been edited by puchongite: Feb 10 2017, 01:47 PM
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wodenus	Feb 10 2017, 02:08 PM Show posts by this member only \| Post #61
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(Avangelice @ Feb 10 2017, 12:44 PM) continue on!! there's more upside this year for malaysia with our elections coming in. if BN wins there will be more upside. sad to say foreign investors don't care about kronism and dictatorships. all they want is stability and status quo. This. It's common sense that everyone in the capitalist marketplace wants to see the capitalists in charge
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xuzen	Feb 10 2017, 02:15 PM Show posts by this member only \| Post #62
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(Avangelice @ Feb 10 2017, 12:44 PM) continue on!! there's more upside this year for malaysia with our elections coming in. if BN wins there will be more upside. sad to say foreign investors don't care about kronism and dictatorships. all they want is stability and status quo. What do you think friend Avangelice? Do you care who is in charge of Thailand, be it the red shirt or yellow shirt? As a investor, do you put much emphasis on cronyism and dictatorship when you invest into Thailand?
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erictham83	Feb 10 2017, 02:49 PM Show posts by this member only \| Post #63
Getting Started Junior Member 67 posts Joined: Mar 2011	Hi Sifus, I plan to start invest some of my saving to prepare as future fund for my growing baby. What fund you all can suggest? I am newbie to unit trust thing.
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vincabby	Feb 10 2017, 02:52 PM Show posts by this member only \| IPv6 \| Post #64
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(erictham83 @ Feb 10 2017, 02:49 PM) Hi Sifus, I plan to start invest some of my saving to prepare as future fund for my growing baby. What fund you all can suggest? I am newbie to unit trust thing. welcome. this is your first step to a better understanding of how the world works. first things first, do you have an fsm account? next is what are your projected returns you are looking for a year? and what risk can you accept as in, are you ok with 10% returns but also the possiblity of 10% negative returns in a span of three years?
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TSAIYH	Feb 10 2017, 02:53 PM Show posts by this member only \| Post #65
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(puchongite @ Feb 10 2017, 01:46 PM) Philippines increased so much ? That together with Malaysia small cap have pushed Ponzi 1.0 up. STI also raise quite substantially QUOTE(erictham83 @ Feb 10 2017, 02:49 PM) Hi Sifus, I plan to start invest some of my saving to prepare as future fund for my growing baby. What fund you all can suggest? I am newbie to unit trust thing. You may read through al guides and FAQ in FSM website, as well as starting from the recommended funds and portfolio
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puchongite	Feb 10 2017, 02:57 PM Show posts by this member only \| Post #66
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(xuzen @ Feb 10 2017, 12:13 PM) I think I will stick to DCA. Reason as below: » Click to show Spoiler - click again to hide... « Let me take you noobs down memory lane. "Hari ini dalam sejarah" Right now it is eerily similar to quarter two of year 2015, when the data was all pointing to sai lang into China! I too without using wisdom and a lack of experience sai lang up to 80% into China equity (IIRC it was CIMB Greater China UTF that I was participating then). The UTF's NAV was going up up up very aggressively. At that time I was using one year historical data to input into Algozen™. From mid 2014 to end quarter two of 2015, China fund was rocketing upwards. Then suddenly in mid 2015, all China fund was dropping when IIRC the govt of PRC impose some restriction to real estate purchase or something. The it hovers a little bit and in early 2016, the China circuit - breaker fiasco happened and sent the UTF NAV tumbling done. I remember I made quite a substantial lost through China (around 15 to 20 percent of total portfolio) and that is why my IRR would have been really affected by it. Xuzen p/s I will continue with my slow and steady (tortoise speed) DCA into Asia Pac ex japan UTF. Don't be greedy, earn enough = happy liao. Lesson learned: Most important in life is can sleep soundly in bed. When did you enter the China fund ? I looked at the chart, it is twinned peaked at around May15 and Oct 15, if you had entered at other time, your losses won't be 15-20%.
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skynode	Feb 10 2017, 03:01 PM Show posts by this member only \| IPv6 \| Post #67
Getting Started Junior Member 175 posts Joined: Dec 2007	QUOTE(spiderman17 @ Feb 9 2017, 05:19 PM) How often do you speak to algozen? Monthly? Weekly? If on the next session it still says the same thing, maybe we should all sailang What is Algozen?
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chyz66	Feb 10 2017, 03:04 PM Show posts by this member only \| IPv6 \| Post #68
Look at all my stars!! Senior Member 2,805 posts Joined: Feb 2006	QUOTE(skynode @ Feb 10 2017, 04:01 PM) What is Algozen? His personal crystal ball.
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T231H	Feb 10 2017, 03:31 PM Show posts by this member only \| Post #69
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(erictham83 @ Feb 10 2017, 02:49 PM) Hi Sifus, I plan to start invest some of my saving to prepare as future fund for my growing baby. What fund you all can suggest? I am newbie to unit trust thing. welcome to this forum and it is a good thing that you starts to plan for it this early. may I suggest you study an estimation of how much you needed to have (goal) to prepare as future fund for your growing baby and by when you needed to see that goal value (time horizon). after you had the goal value, and the horizon (time frame) then you determine how much you can set aside each month to reach that goal. then surf the net....look for financial calculator to determine how much % of ROI pa you needed to generate with the monthly saving and time duration you have so that you can reach that goal value. then see if there is a possibility to get ROI yearly with unit trusts funds......most probably you will need to have another investment vehicle.... This post has been edited by T231H: Feb 10 2017, 03:32 PM
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T231H	Feb 10 2017, 03:42 PM Show posts by this member only \| Post #70
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	potential energy bar for those planning to go all out in equities..... Where Are We in The Global Investment Cycle? What Does This Mean for Investors? [10 Feb] "Investment implication: .... while corrections should be anticipated – with Trump and upcoming Eurozone elections being potential triggers – we still appear to be a long way from the peak in the investment cycle. Second, non-US share markets and economies – notably Japan and Europe - are less advanced in their cycles and so provide opportunities for investors. " https://www.fundsupermart.com.my/main/resea...s--10-Feb--7978
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Avangelice	Feb 10 2017, 04:22 PM Show posts by this member only \| IPv6 \| Post #71
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(xuzen @ Feb 10 2017, 02:15 PM) What do you think friend Avangelice? Do you care who is in charge of Thailand, be it the red shirt or yellow shirt? As a investor, do you put much emphasis on cronyism and dictatorship when you invest into Thailand? to be honest foreign investors don't rather care if the red or yellow were to win, they do not even care about if the people are being oppressed. as long as there's stability in the region they will happily invest in either Goverment. another example would be in the US, we all know trump is a bigot. an anti Islam. a person who's very much like Hitler but does that stop me from investing in the states? another example, Malaysia. its economy doesn't do well do I still keep my investments in it just because I'm patriotic or do I pull out so my money is better left elsewhere? so to conclude. investors don't invests in emotions. I am afraid to say each one of us has a soros inside that does not care who is affected as long as we make money at the end of the day. QUOTE(T231H @ Feb 10 2017, 03:42 PM) potential energy bar for those planning to go all out in equities..... Where Are We in The Global Investment Cycle? What Does This Mean for Investors? [10 Feb] "Investment implication: .... while corrections should be anticipated – with Trump and upcoming Eurozone elections being potential triggers – we still appear to be a long way from the peak in the investment cycle. Second, non-US share markets and economies – notably Japan and Europe - are less advanced in their cycles and so provide opportunities for investors. " https://www.fundsupermart.com.my/main/resea...s--10-Feb--7978 can fsm start making a mobile website? every article you share cannot be viewed on mobile because of plug in not supported. This post has been edited by Avangelice: Feb 10 2017, 04:25 PM
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xuzen	Feb 10 2017, 04:48 PM Show posts by this member only \| Post #72
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(puchongite @ Feb 10 2017, 02:57 PM) When did you enter the China fund ? I looked at the chart, it is twinned peaked at around May15 and Oct 15, if you had entered at other time, your losses won't be 15-20%. I entered in mid Apr 2015 and exited in end of Sep 2015.... (CIMB Principle Greater China) Xuzen This post has been edited by xuzen: Feb 10 2017, 04:51 PM
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puchongite	Feb 10 2017, 04:51 PM Show posts by this member only \| Post #73
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Avangelice @ Feb 10 2017, 04:22 PM) to be honest foreign investors don't rather care if the red or yellow were to win, they do not even care about if the people are being oppressed. as long as there's stability in the region they will happily invest in either Goverment. another example would be in the US, we all know trump is a bigot. an anti Islam. a person who's very much like Hitler but does that stop me from investing in the states? another example, Malaysia. its economy doesn't do well do I still keep my investments in it just because I'm patriotic or do I pull out so my money is better left elsewhere? so to conclude. investors don't invests in emotions. I am afraid to say each one of us has a soros inside that does not care who is affected as long as we make money at the end of the day. can fsm start making a mobile website? every article you share cannot be viewed on mobile because of plug in not supported. Actually you can view it on mobile, by click the download link ( somewhere at the top left hand corner). Basically it is a PDF document.
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Avangelice	Feb 10 2017, 04:53 PM Show posts by this member only \| IPv6 \| Post #74
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(puchongite @ Feb 10 2017, 04:51 PM) Actually you can view it on mobile, by click the download link ( somewhere at the top left hand corner). Basically it is a PDF document. that's the thing I wanna avoid. clutter in my phone memory. oh well. thanks mate
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TSAIYH	Feb 10 2017, 05:03 PM Show posts by this member only \| Post #75
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Avangelice @ Feb 10 2017, 04:53 PM) that's the thing I wanna avoid. clutter in my phone memory. oh well. thanks mate The thing is that pdf is not a property of FSM. so they cannot just embeded the article in the website just like that
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puchongite	Feb 10 2017, 05:07 PM Show posts by this member only \| Post #76
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(AIYH @ Feb 10 2017, 05:03 PM) The thing is that pdf is not a property of FSM. so they cannot just embeded the article in the website just like that The way I see it is that, this is a limitation on the browser. Even if you use FSM mobile app, it still uses browser technology to view FSM site info. Both chrome and firefox also can't handle this pdf embedding thing. It is ok on PC.
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puchongite	Feb 10 2017, 05:11 PM Show posts by this member only \| Post #77
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(xuzen @ Feb 10 2017, 04:48 PM) I entered in mid Apr 2015 and exited in end of Sep 2015.... (CIMB Principle Greater China) Xuzen Yeah this clearly shows the risk of lump sum entry into a fund. Even DCA, is there a recommendation on DCA method, something like 10% DCA per week or per month ? Is there a rule of thumb ?
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Avangelice	Feb 10 2017, 05:15 PM Show posts by this member only \| Post #78
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(xuzen @ Feb 10 2017, 04:48 PM) I entered in mid Apr 2015 and exited in end of Sep 2015.... (CIMB Principle Greater China) Xuzen you overzealous? buy and sell within the same year. and looks like you missed the upside after that. ever had any regret over the lost? don't worry I made the same mistake with GTF back in 2015. traded it like it was a stock. noob mistake on my part.
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TSAIYH	Feb 10 2017, 05:28 PM Show posts by this member only \| Post #79
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(puchongite @ Feb 10 2017, 05:11 PM) Yeah this clearly shows the risk of lump sum entry into a fund. Even DCA, is there a recommendation on DCA method, something like 10% DCA per week or per month ? Is there a rule of thumb ? if dont know the risk, just dca monthly if crisis happens, top up each time it drops like 5% just a thought QUOTE(Avangelice @ Feb 10 2017, 05:15 PM) you overzealous? buy and sell within the same year. and looks like you missed the upside after that. ever had any regret over the lost? don't worry I made the same mistake with GTF back in 2015. traded it like it was a stock. noob mistake on my part. I think we should not sell based on up and down if you can't predict the movement, we sell only if the fund has a better outlook and potential than the current fund given the same league
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SUSic no 851025071234	Feb 10 2017, 05:29 PM Show posts by this member only \| Post #80
Regular Senior Member 1,231 posts Joined: Mar 2015	QUOTE(puchongite @ Feb 10 2017, 05:11 PM) Yeah this clearly shows the risk of lump sum entry into a fund. Even DCA, is there a recommendation on DCA method, something like 10% DCA per week or per month ? Is there a rule of thumb ? His mistake is to exit so soon. He make lost. If wait a while more and exit when break even better.
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SUSic no 851025071234	Feb 10 2017, 05:29 PM Show posts by this member only \| Post #81
Regular Senior Member 1,231 posts Joined: Mar 2015	QUOTE(Avangelice @ Feb 10 2017, 05:15 PM) you overzealous? buy and sell within the same year. and looks like you missed the upside after that. ever had any regret over the lost? don't worry I made the same mistake with GTF back in 2015. traded it like it was a stock. noob mistake on my part. Unit trust play like stock already lose in sc
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puchongite	Feb 10 2017, 05:33 PM Show posts by this member only \| Post #82
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(AIYH @ Feb 10 2017, 05:28 PM) if dont know the risk, just dca monthly if crisis happens, top up each time it drops like 5% just a thought I think we should not sell based on up and down if you can't predict the movement, we sell only if the fund has a better outlook and potential than the current fund given the same league My question is more like asking if I have a x amount of money to switch over to a fund X. Yes, DCA monthly but how much ? If DCA per month 5%, that's will never complete in a year ! This post has been edited by puchongite: Feb 10 2017, 05:34 PM
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Avangelice	Feb 10 2017, 05:33 PM Show posts by this member only \| Post #83
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(ic no 851025071234 @ Feb 10 2017, 05:29 PM) His mistake is to exit so soon. He make lost. If wait a while more and exit when break even better. QUOTE(ic no 851025071234 @ Feb 10 2017, 05:29 PM) Unit trust play like stock already lose in sc try to limit double posting. any how. the xuzen we know now is different back then and we all make mistakes. take it as a valuable tuition fee. no harm done. QUOTE(puchongite @ Feb 10 2017, 05:33 PM) My question is more like asking if I have a x amount of money to switch over to a fund X. Yes, DCA month but how much ? If DCA per month 5%, that's will never complete in a year ! exactly my concern. I have an huge amount of money sitting in the CMF and I go do monthly DCA. wouldn't it be wasting your money 's potential by just letting it stay in cmf. This post has been edited by Avangelice: Feb 10 2017, 05:36 PM
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TSAIYH	Feb 10 2017, 05:43 PM Show posts by this member only \| Post #84
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(puchongite @ Feb 10 2017, 05:33 PM) My question is more like asking if I have a x amount of money to switch over to a fund X. Yes, DCA monthly but how much ? If DCA per month 5%, that's will never complete in a year ! QUOTE(Avangelice @ Feb 10 2017, 05:33 PM) try to limit double posting. any how. the xuzen we know now is different back then and we all make mistakes. take it as a valuable tuition fee. no harm done. exactly my concern. I have an huge amount of money sitting in the CMF and I go do monthly DCA. wouldn't it be wasting your money 's potential by just letting it stay in cmf. If you ask me, I will say dca minimum amount But I can suggest divide into 6/12/18/24 period of dca, each period can be fortnightly, monthly, bi-monthly or quarterly If it experience downfall, everytime it drops 2-5% from your capital, top up like 100-1000 and repeat until it rise back (of course not until the fund collapse if you did your homework about the fund ) Just a thought I am too young to experience long period investing or any crisis, so this is just a suggestion
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Avangelice	Feb 10 2017, 05:46 PM Show posts by this member only \| Post #85
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(AIYH @ Feb 10 2017, 05:43 PM) If you ask me, I will say dca minimum amount But I can suggest divide into 6/12/18/24 period of dca, each period can be fortnightly, monthly, bi-monthly or quarterly If it experience downfall, everytime it drops 2-5% from your capital, top up like 100-1000 and repeat until it rise back (of course not until the fund collapse if you did your homework about the fund ) Just a thought I am too young to experience long period investing or any crisis, so this is just a suggestion bingo. that's what I did. now keeping 10k I'm CMF for funds on sale.
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nick_linz	Feb 10 2017, 05:46 PM Show posts by this member only \| Post #86
Getting Started Junior Member 78 posts Joined: Jul 2015	I've just created an account at FSM and still doing readings on all these unit trusts, fixed income and trying to understand how to invest. Have some basic questions to ask the sifu here Question 1: According to this table at FSM: https://www.fundsupermart.com.my/main/resea...tormaincode=All For this fund: CIMB-Principal Asia Pacific Dynamic Income Fund - MYR, it says the 5 year (%) is 115.60. Does this mean the projection is that you can get a return of 115.6% in 5 years time? Obviously I understand that this is only a forecast, but is this how this table is read? Question 2: I invest Affin Hwang Absolute Return Fund II on 2 Jan 2017 at Bid/NAV 1.0985. On 7 Jan 2017 the Bid/NAV price is 1.1452. My profit is the increase which is 4.25%. Is this correct? Do bear with me with the noob questions while I try to get my basics right first. Thanks in advance!
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T231H	Feb 10 2017, 05:52 PM Show posts by this member only \| Post #87
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(nick_linz @ Feb 10 2017, 05:46 PM) I've just created an account at FSM and still doing readings on all these unit trusts, fixed income and trying to understand how to invest. Have some basic questions to ask the sifu here Question 1: According to this table at FSM: https://www.fundsupermart.com.my/main/resea...tormaincode=All For this fund: CIMB-Principal Asia Pacific Dynamic Income Fund - MYR, it says the 5 year (%) is 115.60. Does this mean the projection is that you can get a return of 115.6% in 5 years time? Obviously I understand that this is only a forecast, but is this how this table is read? Question 2: I invest Affin Hwang Absolute Return Fund II on 2 Jan 2017 at Bid/NAV 1.0985. On 7 Jan 2017 the Bid/NAV price is 1.1452. My profit is the increase which is 4.25%. Is this correct? Do bear with me with the noob questions while I try to get my basics right first. Thanks in advance! Answer Q1. No...it is NOT projection.it was past results AnswerQ2. Yes.but you need to minus the sales charges n other redemtion charges if any. Btw, that is a wholesales fund...need alot of capital to start
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puchongite	Feb 10 2017, 05:53 PM Show posts by this member only \| Post #88
20k VIP Club All Stars 33,585 posts Joined: May 2008	[ delete: answered by another poster ]. This post has been edited by puchongite: Feb 10 2017, 05:54 PM
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Avangelice	Feb 10 2017, 05:55 PM Show posts by this member only \| Post #89
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	opps. too late. lol. This post has been edited by Avangelice: Feb 10 2017, 05:56 PM
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xuzen	Feb 10 2017, 05:56 PM Show posts by this member only \| Post #90
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(Avangelice @ Feb 10 2017, 05:15 PM) you overzealous? buy and sell within the same year. and looks like you missed the upside after that. ever had any regret over the lost? don't worry I made the same mistake with GTF back in 2015. traded it like it was a stock. noob mistake on my part. Algozen™ was created by me somewhere end of 2014 and in its initial stage it was a crude attempt. Version one was experimental, version two was forgetable and currently I am using version three. I did upgrade and refining it as I progress on the learning curve. Version one I used to narrow data, that is, one year historical. I learnt my lesson then, now I use longer period data. Nonetheless, it was a learning experience and when noob comes along and say timing the market and whats not, I smiled coz it reminded me of my own experience. In hindsight you may say look! You should have held on to it, bla bla bla yadda yadda yadda. But remember when you are actually in it, during that phase, actually experiencing it, your emotion will be different. Know yourself, and half the battle is won - Sun Tzu. Regrets? Look at the chart again, if I did not sell, the Jan 2016 drop was even more severe (due to the China circuit - breaker fiasco) I don't think my heart would be able to take it... Oh well! Live and let learn. Xuzen
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Avangelice	Feb 10 2017, 05:58 PM Show posts by this member only \| Post #91
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(xuzen @ Feb 10 2017, 05:56 PM) Oh well! Live and let learn. Xuzen this is the best advise
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puchongite	Feb 10 2017, 06:01 PM Show posts by this member only \| Post #92
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(xuzen @ Feb 10 2017, 05:56 PM) Algozen™ was created by me somewhere end of 2014 and in its initial stage it was a crude attempt. Version one was experimental, version two was forgetable and currently I am using version three. I did upgrade and refining it as I progress on the learning curve. Version one I used to narrow data, that is, one year historical. I learnt my lesson then, now I use longer period data. Nonetheless, it was a learning experience and when noob comes along and say timing the market and whats not, I smiled coz it reminded me of my own experience. In hindsight you may say look! You should have held on to it, bla bla bla yadda yadda yadda. But remember when you are actually in it, during that phase, actually experiencing it, your emotion will be different. Know yourself, and half the battle is won - Sun Tzu. Regrets? Look at the chart again, if I did not sell, the Jan 2016 drop was even more severe (due to the China circuit - breaker fiasco) I don't think my heart would be able to take it... Oh well! Live and let learn. Xuzen Exactly. That's small step in the graph but it's 20% !!!
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xuzen	Feb 10 2017, 06:04 PM Show posts by this member only \| Post #93
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(puchongite @ Feb 10 2017, 06:01 PM) Exactly. That's small step in the graph but it's 20% !!! Imagine if I held on to Jan 2016, it would have been a minus forty percent plunge, no longer consider a dip or drop! BTW, UTF must be hot again... so many noob participants. I remember half a year ago, many were saying UTF suxs, ASX FP rulez etc.... It is all a cycle. On the subject of DCA, there is no hard and fast rule... but you may consider this: If you have MYR X amt. Take one year to DCA in, if the amount MYR X is large like MYR 50K or more. If you DCA fortnighly, then MYR X divided by 26, if you choose to DCA monthly, then MYR X divided by twelve payments. If you are too free nothing to do and want to perform DCA weekly, then MYR X divide by 52. Should the MYR X is too small amount and after divided is below the minimum amount, then you should do monthly or quarterly. Xuzen This post has been edited by xuzen: Feb 10 2017, 06:10 PM
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SUSic no 851025071234	Feb 10 2017, 06:40 PM Show posts by this member only \| Post #94
Regular Senior Member 1,231 posts Joined: Mar 2015	QUOTE(Avangelice @ Feb 10 2017, 05:33 PM) try to limit double posting. any how. the xuzen we know now is different back then and we all make mistakes. take it as a valuable tuition fee. no harm done. exactly my concern. I have an huge amount of money sitting in the CMF and I go do monthly DCA. wouldn't it be wasting your money 's potential by just letting it stay in cmf. Not double post la. I read his post first then reply then saw your post ma. U think i so free purposely click reply 2 times haha. My dca method is just invest all every month. I have budget for different purpose so investment money is just masuk invest fund.
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wodenus	Feb 10 2017, 06:49 PM Show posts by this member only \| Post #95
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(Avangelice @ Feb 10 2017, 05:33 PM) try to limit double posting. any how. the xuzen we know now is different back then and we all make mistakes. take it as a valuable tuition fee. no harm done. exactly my concern. I have an huge amount of money sitting in the CMF and I go do monthly DCA. wouldn't it be wasting your money 's potential by just letting it stay in cmf. Money in CMF is also diversification in case there's a big drop you can transfer more in
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contestchris	Feb 10 2017, 07:32 PM Show posts by this member only \| Post #96
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(ic no 851025071234 @ Feb 10 2017, 05:29 PM) Unit trust play like stock already lose in sc Please don't talk nonsense bro if you don't know. So far I have 0% SC in switching and they're all relatively successful trades.
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contestchris	Feb 10 2017, 07:57 PM Show posts by this member only \| Post #97
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(xuzen @ Feb 10 2017, 04:48 PM) I entered in mid Apr 2015 and exited in end of Sep 2015.... (CIMB Principle Greater China) Xuzen I am scared this is how my entry into US small caps will be like. I went in one lump sum on 27 Jan while it was on a peak.
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Eddy924	Feb 10 2017, 08:03 PM Show posts by this member only \| IPv6 \| Post #98
On my way Senior Member 589 posts Joined: Oct 2010	Do u guys think it's worth to pay little bit more sc (5.5 vs 2) on buying the funds with bank? Coz in FSM all depends on personal experience & awareness, while in bank at least there is one person ready for your enquiry, although noted FSM have client support channel via email, however recent enquiry reply like "copy paste" statement, I don't find their advice to me is constructive. But i aware lower SC = faster to break even, to see the return. And my investment plan start with minimal purchase then constantly dump in money for long term investment. Need some suggestion here, do u all start with self study on funds (through FSM) or learn from banker first? This post has been edited by Eddy924: Feb 10 2017, 08:05 PM
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contestchris	Feb 10 2017, 08:11 PM Show posts by this member only \| Post #99
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(Eddy924 @ Feb 10 2017, 08:03 PM) Do u guys think it's worth to pay little bit more sc (5.5 vs 2) on buying the funds with bank? Coz in FSM all depends on personal experience & awareness, while in bank at least there is one person ready for your enquiry, although noted FSM have client support channel via email, however recent enquiry reply like "copy paste" statement, I don't find their advice to me is constructive. But i aware lower SC = faster to break even, to see the return. And my investment plan start with minimal purchase then constantly dump in money for long term investment. Need some suggestion here, do u all start with self study on funds (through FSM) or learn from banker first? Many corporate working people who want to purely passively invest do so in banks. My father does with Public Mutual. It's totally normal. But if you're adventurous like us all here, then it's worth going alone for lower costs and greater flexibility. Btw I think Maybank is 3% and CIMB 2.5%...but maybe their in-person charges are higher, I don't know. I just did with online banking facility. UOB is 3% I believe for in-person.
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T231H	Feb 10 2017, 08:13 PM Show posts by this member only \| Post #100
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(Eddy924 @ Feb 10 2017, 08:03 PM) Do u guys think it's worth to pay little bit more sc (5.5 vs 2) on buying the funds with bank? Coz in FSM all depends on personal experience & awareness, while in bank at least there is one person ready for your enquiry, although noted FSM have client support channel via email, however recent enquiry reply like "copy paste" statement, I don't find their advice to me is constructive. But i aware lower SC = faster to break even, to see the return. And my investment plan start with minimal purchase then constantly dump in money for long term investment. Need some suggestion here, do u all start with self study on funds (through FSM) or learn from banker first? if you want, there are "live" chat with FSM CS other then Email if you want, there are Client Investment Specialist in FSM if you want you can pay the extra SC to use the bank employee. if you want you can buy from the bank for the sales charges differential is nothing in the longer terms...... just do what ever that is "comfortable" to you.....after all it is your money......have control and maximise to your wishes over it
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contestchris	Feb 10 2017, 08:14 PM Show posts by this member only \| Post #101
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	Did anyone see this Bank Central Asia crash? Really troublesome lah, BBCA appears in most of my funds. Today was supposed to be a good day, but this is a major loss that is very hard to offset. https://www.bloomberg.com/quote/BBCA:IJ It also drag down the entire Indonesia LQ45 index with it. https://www.bloomberg.com/quote/LQ45:IND To make matters worse I can't find out what the cause of this is.
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Avangelice	Feb 10 2017, 08:24 PM Show posts by this member only \| Post #102
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Eddy924 @ Feb 10 2017, 08:03 PM) Do u guys think it's worth to pay little bit more sc (5.5 vs 2) on buying the funds with bank? Coz in FSM all depends on personal experience & awareness, while in bank at least there is one person ready for your enquiry, although noted FSM have client support channel via email, however recent enquiry reply like "copy paste" statement, I don't find their advice to me is constructive. But i aware lower SC = faster to break even, to see the return. And my investment plan start with minimal purchase then constantly dump in money for long term investment. Need some suggestion here, do u all start with self study on funds (through FSM) or learn from banker first? like Public Mutual? you go over to their thread here and you gonna notice there is no communication between RM and client.
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T231H	Feb 10 2017, 08:29 PM Show posts by this member only \| Post #103
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(contestchris @ Feb 10 2017, 08:14 PM) Did anyone see this Bank Central Asia crash? Really troublesome lah, BBCA appears in most of my funds. Today was supposed to be a good day, but this is a major loss that is very hard to offset. https://www.bloomberg.com/quote/BBCA:IJ It also drag down the entire Indonesia LQ45 index with it. https://www.bloomberg.com/quote/LQ45:IND To make matters worse I can't find out what the cause of this is. I think there is "nothing" to worry about....if you clicked at the 5 yr trend charts....there are many cases of BIG % drops can be noticed.
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Ramjade	Feb 10 2017, 08:38 PM Show posts by this member only \| Post #104
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(Eddy924 @ Feb 10 2017, 08:03 PM) Do u guys think it's worth to pay little bit more sc (5.5 vs 2) on buying the funds with bank? Coz in FSM all depends on personal experience & awareness, while in bank at least there is one person ready for your enquiry, although noted FSM have client support channel via email, however recent enquiry reply like "copy paste" statement, I don't find their advice to me is constructive. But i aware lower SC = faster to break even, to see the return. And my investment plan start with minimal purchase then constantly dump in money for long term investment. Need some suggestion here, do u all start with self study on funds (through FSM) or learn from banker first? No. Why? Most agents/financial adviser (which work at the bank) will ask you to buy even though the fund is not performing. Everytime you buy, they get commission (regardless the fund is good/bad/performing/not performing). How do I get around this? 1) Read financial news. (bloomberg, cnbc, reuters, the edge - you can even buy their weekly copy able to get some income tax relief No time to run to the bookstore? Just get their digital version) 2) Ask around the forum, read the stocks forum, USD/MYR thread as anything affects US will affect the rest of the world. UT is stocks. Keep in mind that 3) Stick to your allocation. If you really want advise, go seek out independent financial adviser without conflict of interest. This post has been edited by Ramjade: Feb 10 2017, 08:39 PM
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wodenus	Feb 10 2017, 08:46 PM Show posts by this member only \| Post #105
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(contestchris @ Feb 10 2017, 07:32 PM) Please don't talk nonsense bro if you don't know. So far I have 0% SC in switching and they're all relatively successful trades. I don't see any switching in the port you posted earlier? bear in mind when people say "switch" they usually mean completely exit a fund and enter a new one. What they mean is churn - a high churn rate is bad. This post has been edited by wodenus: Feb 11 2017, 06:03 PM
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wodenus	Feb 10 2017, 08:58 PM Show posts by this member only \| Post #106
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(contestchris @ Feb 10 2017, 08:14 PM) Did anyone see this Bank Central Asia crash? Really troublesome lah, BBCA appears in most of my funds. Today was supposed to be a good day, but this is a major loss that is very hard to offset. https://www.bloomberg.com/quote/BBCA:IJ It also drag down the entire Indonesia LQ45 index with it. https://www.bloomberg.com/quote/LQ45:IND To make matters worse I can't find out what the cause of this is. Don't sweat the small stuff, that is what you pay the fund managers for. I mean seriously, you are obsessing over one stock in a manager's portfolio. If you look at the 5y trend, it's up. It's volatile.. it can drop 20% and recover
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contestchris	Feb 10 2017, 09:11 PM Show posts by this member only \| Post #107
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(wodenus @ Feb 10 2017, 08:58 PM) Don't sweat the small stuff, that is what you pay the fund managers for. I mean seriously, you are obsessing over one stock in a manager's portfolio. If you look at the 5y trend, it's up. It's volatile.. it can drop 20% and recover Not worried about long term ATM all, I'm more worried about my one day gain! This 4% drop can wipe out gains elsewhere in most portfolios it is in. TA SEA, CIMB APAC, CIMB CII all have it as a top 10 stockholding.
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Ramjade	Feb 10 2017, 09:14 PM Show posts by this member only \| Post #108
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(contestchris @ Feb 10 2017, 09:11 PM) Not worried about long term ATM all, I'm more worried about my one day gain! This 4% drop can wipe out gains elsewhere in most portfolios it is in. TA SEA, CIMB APAC, CIMB CII all have it as a top 10 stockholding. I think you need to let go that you cannot always profit everyday
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Avangelice	Feb 10 2017, 09:15 PM Show posts by this member only \| Post #109
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(contestchris @ Feb 10 2017, 09:11 PM) Not worried about long term ATM all, I'm more worried about my one day gain! This 4% drop can wipe out gains elsewhere in most portfolios it is in. TA SEA, CIMB APAC, CIMB CII all have it as a top 10 stockholding. I think you need to take a chill pill bro. come on loosen up a little. have a glass of Scottish gin and tonic
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shankar_dass93	Feb 10 2017, 09:20 PM Show posts by this member only \| Post #110
Look at all my stars!! Senior Member 2,955 posts Joined: Sep 2009	QUOTE(contestchris @ Feb 10 2017, 09:11 PM) Not worried about long term ATM all, I'm more worried about my one day gain! This 4% drop can wipe out gains elsewhere in most portfolios it is in. TA SEA, CIMB APAC, CIMB CII all have it as a top 10 stockholding. Bro, firstly, you got to stop worrying that much man. You're starting to sound as if you're holding individual stocks in your portfolio.
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Ramjade	Feb 10 2017, 09:24 PM Show posts by this member only \| Post #111
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(contestchris @ Feb 10 2017, 09:11 PM) Not worried about long term ATM all, I'm more worried about my one day gain! This 4% drop can wipe out gains elsewhere in most portfolios it is in. TA SEA, CIMB APAC, CIMB CII all have it as a top 10 stockholding. You should be worried if say something happen in the US/China. Then yes there's no escaping. Top 10 holding does not mean much. How I know? I was in your shoes. Attempt to "guess" the NAV price by looking at the top 10 holdings. Did it work? Nope.
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T231H	Feb 10 2017, 09:47 PM Show posts by this member only \| Post #112
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(Avangelice) I may have missed, ..... have you started to buy in M'sia Eq funds yet or accumulate it?
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contestchris	Feb 10 2017, 10:31 PM Show posts by this member only \| Post #113
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(shankar_dass93 @ Feb 10 2017, 09:20 PM) Bro, firstly, you got to stop worrying that much man. You're starting to sound as if you're holding individual stocks in your portfolio. I have 9 UT, just one stock. Very opposite from others. But you're right. Somehow the CIMB CII Indonesian funds are up by 0.2% for the day. Amazing!
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wodenus	Feb 10 2017, 10:31 PM Show posts by this member only \| Post #114
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(contestchris @ Feb 10 2017, 09:11 PM) Not worried about long term ATM all, I'm more worried about my one day gain! This 4% drop can wipe out gains elsewhere in most portfolios it is in. TA SEA, CIMB APAC, CIMB CII all have it as a top 10 stockholding. One stock does not a portfolio make. Everything did not just drop 4% all at once even the index only dropped 0.06% and that is only Indonesia. QUOTE(contestchris @ Feb 10 2017, 10:31 PM) I have 9 UT, just one stock. Very opposite from others. But you're right. Somehow the CIMB CII Indonesian funds are up by 0.2% for the day. Amazing! There you go. You are worried about one stock in a portfolio of possibly hundreds. That's the beauty of mutual funds, a properly selected portfolio reduces volatility. QUOTE(contestchris @ Feb 10 2017, 08:11 PM) Many corporate working people who want to purely passively invest do so in banks. My father does with Public Mutual. It's totally normal. But if you're adventurous like us all here, then it's worth going alone for lower costs and greater flexibility. Btw I think Maybank is 3% and CIMB 2.5%...but maybe their in-person charges are higher, I don't know. I just did with online banking facility. UOB is 3% I believe for in-person. Yes older people prefer PM and banks because not familiar with Internet
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contestchris	Feb 10 2017, 10:38 PM Show posts by this member only \| Post #115
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(wodenus @ Feb 10 2017, 10:33 PM) There you go. You are worried about one stock in a portfolio of possibly hundreds. That's the beauty of mutual funds, a properly selected portfolio reduces volatility. No I mean I am separately holding a solitary stock counter. Btw if you read all the top investing books, it's better to hold less stocks that you are very confident about to maximise gains. This is what Warren Buffet preaches. Only those who don't know what they're really investing in, should own a diversified portfolio. Same applies to trust funds, and I fail miserably there! This post has been edited by contestchris: Feb 10 2017, 10:39 PM
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xuzen	Feb 10 2017, 10:41 PM Show posts by this member only \| Post #116
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(Eddy924 @ Feb 10 2017, 08:03 PM) Do u guys think it's worth to pay little bit more sc (5.5 vs 2) on buying the funds with bank? Coz in FSM all depends on personal experience & awareness, while in bank at least there is one person ready for your enquiry, although noted FSM have client support channel via email, however recent enquiry reply like "copy paste" statement, I don't find their advice to me is constructive. But i aware lower SC = faster to break even, to see the return. And my investment plan start with minimal purchase then constantly dump in money for long term investment. Need some suggestion here, do u all start with self study on funds (through FSM) or learn from banker first? Many of us start off with agents, such as Public Mutual. That is why we are less "kan-cheong". All the anxiousness we push to the agents. After a few years, when you are more familiar with participation in unit trust fund, then you may detach from agent and DIY. QUOTE(Avangelice @ Feb 10 2017, 09:15 PM) I think you need to take a chill pill bro. come on loosen up a little. have a glass of Scottish gin and tonic The way he sound, I bet scots and gin will not help. He needs triple shot of Moatai plus absinthe plus vodka plus a tab of Valium for good measure. Xuzen
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wodenus	Feb 10 2017, 10:48 PM Show posts by this member only \| Post #117
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(contestchris @ Feb 10 2017, 10:38 PM) No I mean I am separately holding a solitary stock counter. Btw if you read all the top investing books, it's better to hold less stocks that you are very confident about to maximise gains. This is what Warren Buffet preaches. Only those who don't know what they're really investing in, should own a diversified portfolio. Same applies to trust funds, and I fail miserably there! Well then why are you worried about a 4% drop? it's dropped 20% before and recovered the commission on that can't have been low and you have to watch the forex. The annoying thing about foreign equity is, if the economy in that country goes up, the price of the share will also go up. but then currency goes up, and then the rate drops so I can't see how anyone can win in that scenario. This post has been edited by wodenus: Feb 10 2017, 10:51 PM
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Ramjade	Feb 10 2017, 10:56 PM Show posts by this member only \| Post #118
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(contestchris @ Feb 10 2017, 10:38 PM) No I mean I am separately holding a solitary stock counter. Btw if you read all the top investing books, it's better to hold less stocks that you are very confident about to maximise gains. This is what Warren Buffet preaches. Only those who don't know what they're really investing in, should own a diversified portfolio. Same applies to trust funds, and I fail miserably there! Well there 2 schools of thought: (i) Buy lots of fund and spread out your risk and still get double digit return (shown by a person here without any trading) (ii) Buy min funds and still get double digit.
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SUSic no 851025071234	Feb 10 2017, 10:59 PM Show posts by this member only \| Post #119
Regular Senior Member 1,231 posts Joined: Mar 2015	QUOTE(xuzen @ Feb 10 2017, 10:41 PM) Many of us start off with agents, such as Public Mutual. That is why we are less "kan-cheong". All the anxiousness we push to the agents. After a few years, when you are more familiar with participation in unit trust fund, then you may detach from agent and DIY. The way he sound, I bet scots and gin will not help. He needs triple shot of Moatai plus absinthe plus vodka plus a tab of Valium for good measure. Xuzen I started off with public mutual agent but the agent don't do shit except print the name on my statement.
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wodenus	Feb 10 2017, 11:03 PM Show posts by this member only \| Post #120
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(ic no 851025071234 @ Feb 10 2017, 10:59 PM) I started off with public mutual agent but the agent don't do shit except print the name on my statement. It's good for old people who can't really understand how computers work or maybe they don't have computers or Internet so they can't do it online
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Ramjade	Feb 10 2017, 11:03 PM Show posts by this member only \| Post #121
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	FSM gave me an email regarding Manulife AP REITS meeting to increase no. of distribution/year
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TSAIYH	Feb 10 2017, 11:05 PM Show posts by this member only \| Post #122
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 10 2017, 11:03 PM) FSM gave me an email regarding Manulife AP REITS meeting to increase no. of distribution/year Will be interested to know what is your view on this? How will it impact the fund, if any at all?
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Ramjade	Feb 10 2017, 11:14 PM Show posts by this member only \| Post #123
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(AIYH @ Feb 10 2017, 11:05 PM) Will be interested to know what is your view on this? How will it impact the fund, if any at all? I am always pro dividend cause it let me buy more units for holding long term. But sadly I am not going to vote or buy anymore because my all Phillip SG stuff arrived and my account is ready Time to plan the withdrawal and next trip down to SG.
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2387581	Feb 10 2017, 11:15 PM Show posts by this member only \| IPv6 \| Post #124
Enthusiast Senior Member 755 posts Joined: Dec 2016	QUOTE(Eddy924 @ Feb 10 2017, 08:03 PM) Do u guys think it's worth to pay little bit more sc (5.5 vs 2) on buying the funds with bank? Coz in FSM all depends on personal experience & awareness, while in bank at least there is one person ready for your enquiry, although noted FSM have client support channel via email, however recent enquiry reply like "copy paste" statement, I don't find their advice to me is constructive. But i aware lower SC = faster to break even, to see the return. And my investment plan start with minimal purchase then constantly dump in money for long term investment. Need some suggestion here, do u all start with self study on funds (through FSM) or learn from banker first? Go to the bank, talk to the RM, when you happy with the RM's advise and decided to buy a certain fund, go ahead and buy minimum, then on your way out of the bank, login to FSM and sailang. There you "DCA" on the sales charge into the same fund. If you buy 1k from the bank at 5.5%, then 9k from FSM on 2%, you'll have the best of both sides with an average sales charge of 2.35% in the example above. QUOTE(AIYH @ Feb 10 2017, 11:05 PM) Will be interested to know what is your view on this? How will it impact the fund, if any at all? I guess trying to make the NAV looks attractive, and more uninformed investors see "wah dividends", money pouring in, more business, higher demand, drives up the price. This post has been edited by 2387581: Feb 10 2017, 11:16 PM
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Ramjade	Feb 10 2017, 11:19 PM Show posts by this member only \| Post #125
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(2387581 @ Feb 10 2017, 11:15 PM) I guess trying to make the NAV looks attractive, and more uninformed investors see "wah dividends", money pouring in, more business, higher demand, drives up the price. Yup.
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wodenus	Feb 10 2017, 11:20 PM Show posts by this member only \| Post #126
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(Ramjade @ Feb 10 2017, 11:14 PM) I am always pro dividend cause it let me buy more units for holding long term. But sadly I am not going to vote or buy anymore because my all Phillip SG stuff arrived and my account is ready Time to plan the withdrawal and next trip down to SG. LOL.. one of these days I might join you.. how high can SGD/MYR get..
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killdavid	Feb 10 2017, 11:22 PM Show posts by this member only \| IPv6 \| Post #127
Senior Satire Officer Senior Member 1,636 posts Joined: Aug 2005 From: Vault 13	please let me know if i got this correctly. the rhb cash management fund 2 allows us to instantly redeem our units to buy into other funds within FSM and the transaction happens on the very same day right ? It is only when we want to sell it for cash that we have to wait 2 working days ?
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wodenus	Feb 10 2017, 11:26 PM Show posts by this member only \| Post #128
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(killdavid @ Feb 10 2017, 11:22 PM) please let me know if i got this correctly. the rhb cash management fund 2 allows us to instantly redeem our units to buy into other funds within FSM and the transaction happens on the very same day right ? It is only when we want to sell it for cash that we have to wait 2 working days ? Yes if you transact before 3pm, you will get the end-of-day price.
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Ramjade	Feb 10 2017, 11:26 PM Show posts by this member only \| Post #129
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(wodenus @ Feb 10 2017, 11:20 PM) LOL.. one of these days I might join you.. how high can SGD/MYR get.. Well history have shown us AS LONG AS EVERYTHING IS THE SAME. Heck even Rp, THB, BAM (currency of Bosnia and Herzegovina) appreciated against RM Come come join me. 0% SC, 0% switching, 0% platform fees. This post has been edited by Ramjade: Feb 10 2017, 11:27 PM
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TSAIYH	Feb 10 2017, 11:30 PM Show posts by this member only \| Post #130
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 10 2017, 11:14 PM) I am always pro dividend cause it let me buy more units for holding long term. But sadly I am not going to vote or buy anymore because my all Phillip SG stuff arrived and my account is ready Time to plan the withdrawal and next trip down to SG. dang bojio, I am still waiting mine QUOTE(2387581 @ Feb 10 2017, 11:15 PM) Go to the bank, talk to the RM, when you happy with the RM's advise and decided to buy a certain fund, go ahead and buy minimum, then on your way out of the bank, login to FSM and sailang. There you "DCA" on the sales charge into the same fund. If you buy 1k from the bank at 5.5%, then 9k from FSM on 2%, you'll have the best of both sides with an average sales charge of 2.35% in the example above. I guess trying to make the NAV looks attractive, and more uninformed investors see "wah dividends", money pouring in, more business, higher demand, drives up the price. actually, if you know how to utilize FSM client help and CIS, you can save the bank RM part QUOTE(wodenus @ Feb 10 2017, 11:20 PM) LOL.. one of these days I might join you.. how high can SGD/MYR get.. To me, is more like there are better mutual funds for certain regions in SG (at least when I am still earning peanut salary, will still focus on mutual funds )
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contestchris	Feb 10 2017, 11:41 PM Show posts by this member only \| Post #131
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(wodenus @ Feb 10 2017, 11:20 PM) LOL.. one of these days I might join you.. how high can SGD/MYR get.. Wow, careful there. Who's to say the Ringgit will not appreciate against the SGD going forward?
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Ramjade	Feb 10 2017, 11:50 PM Show posts by this member only \| Post #132
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(contestchris @ Feb 10 2017, 11:41 PM) Wow, careful there. Who's to say the Ringgit will not appreciate against the SGD going forward? History have shown us. 50+ years of history is more than enough? Even if it appreciate, how long can the RM appreciate? It will be short term. In asia, only HK can challenge SG to be asian financial hub (they are succeeding). In SEA, I don't see any country challenging them for that title. With BNM treatment of the RM, it's scaring off foreign investors. To add salt to the wound, local exporters are not happy. Not to burst your bubble but we have to look at cold hard facts. This post has been edited by Ramjade: Feb 10 2017, 11:53 PM
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SUSwankongyew	Feb 11 2017, 12:07 AM Show posts by this member only \| Post #133
Regular Senior Member 1,177 posts Joined: Nov 2007	Not sure if anyone is interested in listening to my fears about an impending financial crisis, but I think that this week's news that Trump is willing to affirm the One China policy significantly reduces those risks. It suggests that when push comes to shove and the stakes are high enough, Trump is willing to listen to his more experienced advisers after all.
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thesoothsayer	Feb 11 2017, 12:23 AM Show posts by this member only \| Post #134
Enthusiast Senior Member 954 posts Joined: Dec 2006	QUOTE(contestchris @ Feb 10 2017, 10:31 PM) I have 9 UT, just one stock. Very opposite from others. But you're right. Somehow the CIMB CII Indonesian funds are up by 0.2% for the day. Amazing! Reflected so fast? Sure it's not prices for Feb 8th?
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contestchris	Feb 11 2017, 12:37 AM Show posts by this member only \| Post #135
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(thesoothsayer @ Feb 11 2017, 12:23 AM) Reflected so fast? Sure it's not prices for Feb 8th? Feb 10th. They are localized Indonesian funds used by CIMBCII. Localized funds get priced on same day in Malaysia, so I assume it's the same case for Indonesia, since in both these countries we don't have to wait for the 1pm GMT official global exchange rate from London (since Malaysian and Indonesian companies do not have a main listing abroad and so the funds only deal with the local currency). https://www.bloomberg.com/quote/CPSMART:IJ https://www.bloomberg.com/quote/CIMIDEF:IJ This post has been edited by contestchris: Feb 11 2017, 12:38 AM
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Avangelice	Feb 11 2017, 12:44 AM Show posts by this member only \| IPv6 \| Post #136
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(xuzen @ Feb 10 2017, 10:41 PM) The way he sound, I bet scots and gin will not help. He needs triple shot of Moatai plus absinthe plus vodka plus a tab of Valium for good measure. Xuzen hahahahahahah I said loosen him up not send him to the ER for alcohol intoxication! hahahahahahahaha best mixer btw. sure gone after drinking it. good night folks
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afdhal_89	Feb 11 2017, 07:35 AM Show posts by this member only \| Post #137
New Member Junior Member 48 posts Joined: Feb 2008 From: Meow Meow	Guys, if i plan to park my earnings in RHB Cash Management fund 2. Would i be subject to the usual switching fees? Thanks
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Avangelice	Feb 11 2017, 07:53 AM Show posts by this member only \| IPv6 \| Post #138
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(afdhal_89 @ Feb 11 2017, 07:35 AM) Guys, if i plan to park my earnings in RHB Cash Management fund 2. Would i be subject to the usual switching fees? Thanks nope. CMF acts like a bank account in fsm. no switching fees.
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afdhal_89	Feb 11 2017, 08:20 AM Show posts by this member only \| Post #139
New Member Junior Member 48 posts Joined: Feb 2008 From: Meow Meow	Awesome, thx Avangelice! Resourceful as always
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T231H	Feb 11 2017, 08:36 AM Show posts by this member only \| Post #140
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(afdhal_89 @ Feb 11 2017, 08:20 AM) Awesome, thx Avangelice! Resourceful as always +100
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Avangelice	Feb 11 2017, 08:54 AM Show posts by this member only \| Post #141
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	investors waiting bullish breakout. http://www.klsescreener.com/v2/news/view/191293 » Click to show Spoiler - click again to hide... « Outlook- Bursa Malaysia resumed the upward thrust amid fresh bargain-hunting buying after a brief correction, navigating the FBM KLCI to the highest level since April 26, last year during intra-week trading. Sentiment was boosted by a big rally on Wall Street after Trump promised to make a major tax announcement to lower the burden on businesses, though he offered no details. If he can bulldoze that through, with a more favourable tax regime, the move will certainly bode well for the US markets and global equities. When that happens, investors can expect the local bourse to trade higher, riding on the overseas bullish tone. Based on the daily chart, the local bourse is seen trending upward nicely, albeit on a gradual pace, with the key index breaching the 1,700 points psychological barrier during intra-day session yesterday. In theory, the breakout is likely to open the doors for more advances, targeting the next upper resistance of 1,730 points, which is a heavy barrier. A clear “bomb out” of this strong hurdle will set the bulls free. On the opposite, a futile attempt will see the key index retracing on fresh correction mode. So, look out for that. Technically, the daily slow-stochastic momentum index and its weekly peer, as well as the 14-day relative strength index are painting an increasing overbought condition, but they show no sign of backing off just yet, implying the FBM KLCI will probably firm this week. Support is seen at 1,680 points, followed by 1,640 points. President Trump has announced that he will be releasing his tax system in the coming weeks. Asian markets have been trending up (too much and too fast in my honest opinion) Trump Economics http://www.klsescreener.com/v2/news/view/191233 The coming weeks will be challenging for us all. So load up your ammo. save what you can. place into CMF. when the blood bath starts, buy in. This post has been edited by Avangelice: Feb 11 2017, 09:01 AM
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contestchris	Feb 11 2017, 11:08 AM Show posts by this member only \| Post #142
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(Avangelice @ Feb 11 2017, 08:54 AM) investors waiting bullish breakout. http://www.klsescreener.com/v2/news/view/191293 » Click to show Spoiler - click again to hide... « Outlook- Bursa Malaysia resumed the upward thrust amid fresh bargain-hunting buying after a brief correction, navigating the FBM KLCI to the highest level since April 26, last year during intra-week trading. Sentiment was boosted by a big rally on Wall Street after Trump promised to make a major tax announcement to lower the burden on businesses, though he offered no details. If he can bulldoze that through, with a more favourable tax regime, the move will certainly bode well for the US markets and global equities. When that happens, investors can expect the local bourse to trade higher, riding on the overseas bullish tone. Based on the daily chart, the local bourse is seen trending upward nicely, albeit on a gradual pace, with the key index breaching the 1,700 points psychological barrier during intra-day session yesterday. In theory, the breakout is likely to open the doors for more advances, targeting the next upper resistance of 1,730 points, which is a heavy barrier. A clear “bomb out” of this strong hurdle will set the bulls free. On the opposite, a futile attempt will see the key index retracing on fresh correction mode. So, look out for that. Technically, the daily slow-stochastic momentum index and its weekly peer, as well as the 14-day relative strength index are painting an increasing overbought condition, but they show no sign of backing off just yet, implying the FBM KLCI will probably firm this week. Support is seen at 1,680 points, followed by 1,640 points. President Trump has announced that he will be releasing his tax system in the coming weeks. Asian markets have been trending up (too much and too fast in my honest opinion) Trump Economics http://www.klsescreener.com/v2/news/view/191233 The coming weeks will be challenging for us all. So load up your ammo. save what you can. place into CMF. when the blood bath starts, buy in. Indeed, Asian markets are trending up too much and too fast...but based on my research they are still very much undervalued relative to the US. In fact, looking at the indices, Hong Kong, Indonesia, Malaysia, China and India are all below their early 2015 peak. Plus, China just released favorable trade data on Friday. Plus Trump seems to be warning up to both Japan and China now. So, not really sure what the catalyst will be for a correction in Asia in the near term - perhaps there simply won't be one.
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xuzen	Feb 11 2017, 11:45 AM Show posts by this member only \| Post #143
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(contestchris @ Feb 11 2017, 11:08 AM) Indeed, Asian markets are trending up too much and too fast...but based on my research they are still very much undervalued relative to the US. In fact, looking at the indices, Hong Kong, Indonesia, Malaysia, China and India are all below their early 2015 peak. Plus, China just released favorable trade data on Friday. Plus Trump seems to be warning up to both Japan and China now. So, not really sure what the catalyst will be for a correction in Asia in the near term - perhaps there simply won't be one. You make a statement, but then says not sure... hence you sound like those kopitiam uncle. All talk but dare not substantiate. You want to make statement then you need to analyse, come to a conclusion, make inference, make logical deduction etc to back your assertion. If not you sound like kopitiam feller and wasting post count only. Xuzen
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contestchris	Feb 11 2017, 11:57 AM Show posts by this member only \| Post #144
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(xuzen @ Feb 11 2017, 11:45 AM) You make a statement, but then says not sure... hence you sound like those kopitiam uncle. All talk but dare not substantiate. You want to make statement then you need to analyse, come to a conclusion, make inference, make logical deduction etc to back your assertion. If not you sound like kopitiam feller and wasting post count only. Xuzen Wow, wow. Do you even understand what I said? I made a statement that Asia is undervalued. I made a statement that most Asian indices are below their highs of early 2015. I made a statement that China has released great trade data on Friday. I made a statement that Trump has warmed up to China and Japan. Four statements. All to back up my point that Asia may still have much room to trend upwards, and that a correction may not be due after all in the near term (1-2 months) in Asia. I'm sorry but I don't speak in absolutes. Only a fool will do so when speaking about financial markets. You seem to be a very problematic person to deal with.
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Avangelice	Feb 11 2017, 12:04 PM Show posts by this member only \| Post #145
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(contestchris @ Feb 11 2017, 11:57 AM) Wow, wow. Do you even understand what I said? I made a statement that Asia is undervalued. I made a statement that most Asian indices are below their highs of early 2015. I made a statement that China has released great trade data on Friday. I made a statement that Trump has warmed up to China and Japan. Four statements. All to back up my point that Asia may still have much room to trend upwards, and that a correction may not be due after all in the near term (1-2 months) in Asia. I'm sorry but I don't speak in absolutes. Only a fool will do so when speaking about financial markets. You seem to be a very problematic person to deal with. nah you are using a well known tactic of fallacious argument where you insert a few contradictions to prove your point which leads to inconsistency in your information. When met with opposing arguments, you diverting the argument away by using word jargons. QUOTE I'm sorry but I don't speak in absolutes. Only a fool will do so when speaking about financial markets. QUOTE You need to understand the nuance of the language. I was speaking of a hypothetical scenario were such a fund to exist.
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john123x	Feb 11 2017, 12:05 PM Show posts by this member only \| Post #146
Look at all my stars!! Senior Member 3,019 posts Joined: Oct 2005	Xuzen, mind posting your latest portfolio? The last time i view your portfolio, you been loaded with amreits, bout 40%
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xuzen	Feb 11 2017, 12:07 PM Show posts by this member only \| Post #147
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(contestchris @ Feb 11 2017, 11:57 AM) Wow, wow. Do you even understand what I said? I made a statement that Asia is undervalued. I made a statement that most Asian indices are below their highs of early 2015. I made a statement that China has released great trade data on Friday. I made a statement that Trump has warmed up to China and Japan. Four statements. All to back up my point that Asia may still have much room to trend upwards, and that a correction may not be due after all in the near term (1-2 months) in Asia. I'm sorry but I don't speak in absolutes. Only a fool will do so when speaking about financial markets. You seem to be a very problematic person to deal with. Perhaps problematic to you. Perhaps it is just that I'd read a lot of financial / analyst reports written by fund manaers. It is perhaps my personal opinion that when I read a report, I usually expect the analyst / author to state his call on the subject matter which is very common. If there are none (which is uncommon), then to me, that report is a waste of time and suitable for rubbish bin. Perhaps I am wrong to assign such standard to you. My apologies friend contestchris. Xuzen This post has been edited by xuzen: Feb 11 2017, 12:10 PM
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xuzen	Feb 11 2017, 12:08 PM Show posts by this member only \| Post #148
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(john123x @ Feb 11 2017, 12:05 PM) Xuzen, mind posting your latest portfolio? The last time i view your portfolio, you been loaded with amreits, bout 40% I am still overweight on AMREITs. AMREITS 40% (unchanged) RHB AIF 20% (was 40% formerly) AHAM SBF aka Esther Bond fund 20% (split halve from RHB AIF) India 10% (maintain) TAGTF 10% (decreased from 15%) Xuzen p/s I am very overweight on Asia Pac ex Japan region. This post has been edited by xuzen: Feb 11 2017, 12:15 PM
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john123x	Feb 11 2017, 12:12 PM Show posts by this member only \| Post #149
Look at all my stars!! Senior Member 3,019 posts Joined: Oct 2005	QUOTE(xuzen @ Feb 11 2017, 12:08 PM) I am still overweight on AMREITs. My weightage remain unchanged. Xuzen Maybe i mistaken you with other person that sailang into affin hwang Asia ex japan quantum.
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xuzen	Feb 11 2017, 12:17 PM Show posts by this member only \| Post #150
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(john123x @ Feb 11 2017, 12:12 PM) Maybe i mistaken you with other person that sailang into affin hwang Asia ex japan quantum. I have never participated in AHAM Quantum aka Ponzi 1.0. It got rejected by Algozen™ so far, perhaps because of its unfavourable risk to reward ratio. Somehow when imputed into Algozen™, she is consistently in favour of Ponzi Two aka CIMB Asia - Pac ex Japan Dynamic fund. Xuzen This post has been edited by xuzen: Feb 11 2017, 12:19 PM
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David3700	Feb 11 2017, 12:40 PM Show posts by this member only \| Post #151
Regular Senior Member 1,055 posts Joined: Nov 2015	QUOTE(xuzen @ Feb 11 2017, 12:08 PM) I am still overweight on AMREITs. AMREITS 40% (unchanged) RHB AIF 20% (was 40% formerly) AHAM SBF aka Esther Bond fund 20% (split halve from RHB AIF) India 10% (maintain) TAGTF 10% (decreased from 15%) Xuzen p/s I am very overweight on Asia Pac ex Japan region. Well, a very different approach...... A lot of ppl (incl me) is owning so call "star" funds as mentioned in Page 1
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TSAIYH	Feb 11 2017, 12:41 PM Show posts by this member only \| Post #152
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(contestchris @ Feb 11 2017, 11:57 AM) Wow, wow. Do you even understand what I said? I made a statement that Asia is undervalued. I made a statement that most Asian indices are below their highs of early 2015. I made a statement that China has released great trade data on Friday. I made a statement that Trump has warmed up to China and Japan. Four statements. All to back up my point that Asia may still have much room to trend upwards, and that a correction may not be due after all in the near term (1-2 months) in Asia. I'm sorry but I don't speak in absolutes. Only a fool will do so when speaking about financial markets. You seem to be a very problematic person to deal with. Your view is appreciated and benefiial for discussion, but could you tune down the arrogant tone? I think when you pose something that is not sure, you should follow up a suggestion that what would you do given this uncertain situation. You see, in majority of the financial reports, even though the view may contradict our thoughts or the event depends on different analysis, at least they have a conclusive ending for their view, be it in the right direction or jiberish. Please look at yourself before critic others. Friendly advice QUOTE(xuzen @ Feb 11 2017, 12:17 PM) I have never participated in AHAM Quantum aka Ponzi 1.0. It got rejected by Algozen™ so far, perhaps because of its unfavourable risk to reward ratio. Somehow when imputed into Algozen™, she is consistently in favour of Ponzi Two aka CIMB Asia - Pac ex Japan Dynamic fund. Xuzen Despite focusing in ASEAN, ponzi 1 turns out to have better RRR than Ponzi 2, prehaps aussie, chinese and indians are very volatile these 3 years This post has been edited by AIYH: Feb 11 2017, 12:43 PM
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vincabby	Feb 11 2017, 01:19 PM Show posts by this member only \| Post #153
On my way Senior Member 664 posts Joined: Jun 2009	contestchris definitely rubs people in the wrong way. its not entirely his fault as words when not spoken but typed might sound different to different people. however, AIYH made a good point, do consider people's feelings or tone it down if possible. If not, you make yourself stand out for all the wrong reasons.
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Avangelice	Feb 11 2017, 01:35 PM Show posts by this member only \| Post #154
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(vincabby @ Feb 11 2017, 01:19 PM) contestchris definitely rubs people in the wrong way. its not entirely his fault as words when not spoken but typed might sound different to different people. however, AIYH made a good point, do consider people's feelings or tone it down if possible. If not, you make yourself stand out for all the wrong reasons. nah this is a non issue because people come and go in fsm threads. the ones that are steady always stick around. those who chase returns always crash and burn, suddenly they find out unit trust investment isn't their best investment vehicle. as I always say que sera sera. whatever will be will be.
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vincabby	Feb 11 2017, 01:57 PM Show posts by this member only \| Post #155
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(Avangelice @ Feb 11 2017, 01:35 PM) nah this is a non issue because people come and go in fsm threads. the ones that are steady always stick around. those who chase returns always crash and burn, suddenly they find out unit trust investment isn't their best investment vehicle. as I always say que sera sera. whatever will be will be. in his case yes, i believe UT is not his place. he goes for stock and his methodology shows that too. he's here due to financial constraints.
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xuzen	Feb 11 2017, 02:01 PM Show posts by this member only \| Post #156
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(David3700 @ Feb 11 2017, 12:40 PM) Well, a very different approach...... A lot of ppl (incl me) is owning so call "star" funds as mentioned in Page 1 Well not many people are familiar with Modern portfolio theory. Even if they have heard about it, not many can or wield it proficiently. It is like the nunchuk weapon made famous by Bruce Lee , cool weapon but very unwieldy. Xuzen This post has been edited by xuzen: Feb 11 2017, 02:13 PM
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SUSic no 851025071234	Feb 11 2017, 02:04 PM Show posts by this member only \| Post #157
Regular Senior Member 1,231 posts Joined: Mar 2015	QUOTE(john123x @ Feb 11 2017, 12:12 PM) Maybe i mistaken you with other person that sailang into affin hwang Asia ex japan quantum. U mean me? Haha. I don't see it as high risk cos I'm investing for long term. QUOTE(vincabby @ Feb 11 2017, 01:19 PM) contestchris definitely rubs people in the wrong way. its not entirely his fault as words when not spoken but typed might sound different to different people. however, AIYH made a good point, do consider people's feelings or tone it down if possible. If not, you make yourself stand out for all the wrong reasons. A lot arrogant ppl here.
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xuzen	Feb 11 2017, 02:08 PM Show posts by this member only \| Post #158
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(AIYH @ Feb 11 2017, 12:41 PM) Despite focusing in ASEAN, ponzi 1 turns out to have better RRR than Ponzi 2, prehaps aussie, chinese and indians are very volatile these 3 years Friend AIYH, The statement you made, is incorrect as shown below. Perhaps your data is not up to date? Or perhaps you need a trip to an optometrist? This post has been edited by xuzen: Feb 11 2017, 02:10 PM
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TSAIYH	Feb 11 2017, 02:12 PM Show posts by this member only \| Post #159
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(xuzen @ Feb 11 2017, 02:08 PM) Friend AIYH, The statement you made, is incorrect as shown below. Perhaps your data is not up to date? Or perhaps you need a trip to an optometrist? Hmm last week when I check, ponzi 1 volatility is 9.7x and RRR 1.4x while ponzi 2 is having 12.2x and RRR 1.21
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xuzen	Feb 11 2017, 02:14 PM Show posts by this member only \| Post #160
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(AIYH @ Feb 11 2017, 02:12 PM) Hmm last week when I check, ponzi 1 volatility is 9.7x and RRR 1.4x while ponzi 2 is having 12.2x and RRR 1.21 When in doubt, take the crystal ball™ man's word to be the gospel truth!
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xuzen	Feb 11 2017, 02:34 PM Show posts by this member only \| Post #161
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	Quite number of times I heard that investing in UTF is more expensive than buying stock market directly. So, let me do some number crunching for the benefit of all. Stock-market My knowledge of stock market is a bit out-dated and my info is based on my last time when I was a stock market participant through OSK Investment Bank (many years ago, and at that time, calling your broker on the phone is still common). The charge levied upon me is 0.6%. Min brokerage is MYR 40.00 per transaction. So, to maximize the transaction, each tranche should be 40 divided by 0.006 equal to MYR 6,666.67. Anything below this MYR 6,666.67 threshold, you will still pay MYR 40.00 broker fee as that is the minimum. UTF For UTF, you pay 2% entrance fee each time you inject fresh capital. MYR 2,000.00 x 2% equals to MYR 40.00. Lets say you pump in MYR 200.00 x 2% = MYR 4.00 entrance fee. The above I want to highlight is that often people will say UTF fee is expensive. But they forget to put it into proper context or perspective. When you buy a stock, unless your capital injected per transaction is large, the percentage you pay as broker fee is actually more substantial than UTF. If you are a small ikan-bilis player and only have like MYR 200 per month to invest, which method gives you a more cost efficient way access to the stock market? So, many are repeating something they read from somewhere or something they heard from someone, without further investigating, and they prematurely think that UTF is expensive. Not so, if your amount is small. Stock can be more expensive. And don't forget, stock is charged both ways... that is entry and exit. So the total cost = 0.6 x 2 = 1.2%. Not that far from UTF.
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xuzen	Feb 11 2017, 02:38 PM Show posts by this member only \| Post #162
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	--- deleted --- This post has been edited by xuzen: Feb 11 2017, 02:39 PM
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TSAIYH	Feb 11 2017, 02:44 PM Show posts by this member only \| Post #163
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(xuzen @ Feb 11 2017, 02:34 PM) Quite number of times I heard that investing in UTF is more expensive than buying stock market directly. So, let me do some number crunching for the benefit of all. Stock-market My knowledge of stock market is a bit out-dated and my info is based on my last time when I was a stock market participant through OSK Investment Bank (many years ago, and at that time, calling your broker on the phone is still common). The charge levied upon me is 0.6%. Min brokerage is MYR 40.00 per transaction. So, to maximize the transaction, each tranche should be 40 divided by 0.006 equal to MYR 6,666.67. Anything below this MYR 6,666.67 threshold, you will still pay MYR 40.00 broker fee as that is the minimum. UTF For UTF, you pay 2% entrance fee each time you inject fresh capital. MYR 2,000.00 x 2% equals to MYR 40.00. Lets say you pump in MYR 200.00 x 2% = MYR 4.00 entrance fee. The above I want to highlight is that often people will say UTF fee is expensive. But they forget to put it into proper context or perspective. When you buy a stock, unless your capital injected per transaction is large, the percentage you pay as broker fee is actually more substantial than UTF. If you are a small ikan-bilis player and only have like MYR 200 per month to invest, which method gives you a more cost efficient way access to the stock market? So, many are repeating something they read from somewhere or something they heard from someone, without further investigating, and they prematurely think that UTF is expensive. Not so, if your amount is small. Stock can be more expensive. And don't forget, stock is charged both ways... that is entry and exit. So the total cost = 0.6 x 2 = 1.2%. Not that far from UTF. Currently, CIMB offer brokerage commission 0.0388% (min RM 8.88) per stock per day, if 2 ways then min RM 17.76, but currently, regardless of brokers, you will need to pay bursa clearing fee (0.03%) and government stamp duty fee (RM1 per 1k trading block max RM200), and dont forget about GST Significantly cheaper now compared to what you experienced, but for ikan bilis like me, UT cheaper p/s: still struggling to whether keep KGF or kapchai This post has been edited by AIYH: Feb 11 2017, 02:50 PM
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Avangelice	Feb 11 2017, 02:45 PM Show posts by this member only \| Post #164
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(xuzen @ Feb 11 2017, 02:34 PM) Quite number of times I heard that investing in UTF is more expensive than buying stock market directly. So, let me do some number crunching for the benefit of all. Stock-market My knowledge of stock market is a bit out-dated and my info is based on my last time when I was a stock market participant through OSK Investment Bank (many years ago, and at that time, calling your broker on the phone is still common). The charge levied upon me is 0.6%. Min brokerage is MYR 40.00 per transaction. So, to maximize the transaction, each tranche should be 40 divided by 0.006 equal to MYR 6,666.67. Anything below this MYR 6,666.67 threshold, you will still pay MYR 40.00 broker fee as that is the minimum. Current brokerage fees now are 0.1% with minimum 8 myr per transaction. now you can do it diy style like fsm. truly cheaper if you apply long term investment into certain stocks.
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Avangelice	Feb 11 2017, 02:48 PM Show posts by this member only \| Post #165
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(AIYH @ Feb 11 2017, 02:44 PM) Currently, CIMB offer brokerage commission 0.0388% (min RM 8.88) per stock per day, if 2 ways then min RM 17.76, but currently, regardless of brokers, you will need to pay bursa clearing fee (0.03%) and government stamp duty fee (RM10 per 1k trading block), and dont forget about GST Significantly cheaper now compared to what you experienced, but for ikan bilis like me, UT cheaper p/s: still struggling to whether keep KGF or kapchai correction. it's myr 1 per 1k stamp duty not myr 10 with a cap up to 200
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wonglokat	Feb 11 2017, 03:03 PM Show posts by this member only \| Post #166
Getting Started Junior Member 247 posts Joined: Dec 2008	QUOTE(AIYH @ Feb 11 2017, 02:44 PM) p/s: still struggling to whether keep KGF or kapchai AIYH bro i had the same thought about having just one* even though they carve out their own segment in the same market as it's been pointed out many versions back that both are correlated. *that early days of jumping atop the most glitzy wagon to chase returns thinking heck, let's di(worse?)versify in the local market. Since they both make up about 22% and both in the green, I'm undecided. Most probably sell off then and dump the measly amount into local stocks.
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2387581	Feb 11 2017, 03:10 PM Show posts by this member only \| IPv6 \| Post #167
Enthusiast Senior Member 755 posts Joined: Dec 2016	QUOTE(AIYH @ Feb 11 2017, 02:44 PM) Currently, CIMB offer brokerage commission 0.0388% (min RM 8.88) per stock per day, if 2 ways then min RM 17.76, but currently, regardless of brokers, you will need to pay bursa clearing fee (0.03%) and government stamp duty fee (RM1 per 1k trading block max RM200), and dont forget about GST Significantly cheaper now compared to what you experienced, but for ikan bilis like me, UT cheaper p/s: still struggling to whether keep KGF or kapchai https://www.fundsupermart.com.my/main/resea...-Small-Cap-7981 QUOTE BETTER YEAR FOR MALAYSIA’S SMALL CAP SEGMENT On the local front, we see better prospects for Malaysian small cap in 2017 after a lacklustre year in 2016. Catalysts are expected to come from the initiatives introduced in Malaysia’s budget 2017 which are the small and mid-cap public listed company research scheme and the government linked investment companies (GLICs) RM3 billion special fund. These initiatives are set to reduce the level of market inefficiency in the small cap segment, thus, there will be more hidden gems being discovered. KEY TAKEAWAY Given the attractive prospect of small cap segment, investors should look out the available small cap funds that listed in our platform. For investors who want to have exposure to the small cap segment, can consider include one of these small cap funds into the supplementary part of their portfolio, with not more than 10% allocation of their overall portfolio. For Asia ex-Japan region, Affin Hwang Select Asia ex-Japan Quantum Fund (February Fund Choice) will be a decent choice for investors to gain exposure into the Asia small cap space given its strong track records. On the local front, investors with greater risk appetite can consider to include Eastspring Investment Small Cap Fund (our recommended fund).
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Ramjade	Feb 11 2017, 03:37 PM Show posts by this member only \| Post #168
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(xuzen @ Feb 11 2017, 02:34 PM) Quite number of times I heard that investing in UTF is more expensive than buying stock market directly. So, let me do some number crunching for the benefit of all. Stock-market My knowledge of stock market is a bit out-dated and my info is based on my last time when I was a stock market participant through OSK Investment Bank (many years ago, and at that time, calling your broker on the phone is still common). The charge levied upon me is 0.6%. Min brokerage is MYR 40.00 per transaction. So, to maximize the transaction, each tranche should be 40 divided by 0.006 equal to MYR 6,666.67. Anything below this MYR 6,666.67 threshold, you will still pay MYR 40.00 broker fee as that is the minimum. UTF For UTF, you pay 2% entrance fee each time you inject fresh capital. MYR 2,000.00 x 2% equals to MYR 40.00. Lets say you pump in MYR 200.00 x 2% = MYR 4.00 entrance fee. The above I want to highlight is that often people will say UTF fee is expensive. But they forget to put it into proper context or perspective. When you buy a stock, unless your capital injected per transaction is large, the percentage you pay as broker fee is actually more substantial than UTF. If you are a small ikan-bilis player and only have like MYR 200 per month to invest, which method gives you a more cost efficient way access to the stock market? So, many are repeating something they read from somewhere or something they heard from someone, without further investigating, and they prematurely think that UTF is expensive. Not so, if your amount is small. Stock can be more expensive. And don't forget, stock is charged both ways... that is entry and exit. So the total cost = 0.6 x 2 = 1.2%. Not that far from UTF. Sure bo? Post by Dividend magic IFP. http://dividendmagic.com.my/2017/01/13/inv...le-get-started/ QUOTE Mutual Funds and their Damned Fees You’ve probably heard of investments like mutual funds, target date funds, or index funds. You might even own some of them. All of these funds have fees (also called the expense ratio), and if you’re smart you can save money on them. Mutual funds are the worst (especially in Malaysia) because they rarely beat the market and usually have the highest fees, the average in Malaysia is a whopping 3%, I’ve seen some as high as 5%. These might all seem like insignificant numbers, so why does it even matter? It matters. Here, I’ll do some calculations to show you. Let’s say you invest RM10,000 and earn 7% over 50 years. 0.0% fee: RM10,000 grows to RM294,570 1.0% fee: RM10,000 grows to RM184,202, and you lose RM110,369 in fees 2.0% fee: RM10,000 grows to RM114,674, and you lose RM179,896 in fees 3.0% fee: RM10,000 grows to RM71,066.83, and you lose RM223,503 in fees I cannot emphasize how fees can kill your investments. I hope the above illustration will get through to my fellow investors out there. With a 2% fee, you’re essentially losing more than 50% of your investment to fees alone. What’s even worse is that the above example assumes you’re earning a 7% return p.a., what if you’re losing money? The funds still collect the fees from you! Isn’t that outrageous? By investing in your own portfolio of shares, it means more money for you, less for the fund houses. Also to note are low cost Index Funds from companies like Vanguard that serve to mimic the market. The day that they come to Malaysia is the day I’ll dump most if not all of my savings into them. (I understand some of you may be mutual fund agents and investors here so if you disagree, please do provide me your reasons for it. Don’t just send me hate messages and emails.)
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TSAIYH	Feb 11 2017, 03:59 PM Show posts by this member only \| Post #169
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(wonglokat @ Feb 11 2017, 03:03 PM) AIYH bro i had the same thought about having just one* even though they carve out their own segment in the same market as it's been pointed out many versions back that both are correlated. that early days of jumping atop the most glitzy wagon to chase returns thinking heck, let's di(worse?)versify in the local market. Since they both make up about 22% and both in the green, I'm undecided. Most probably sell off then and dump the measly amount into local stocks. Problem is I am still young (work within a year) and what I have now isn't sufficient to effectively invest in local stock market (unlike mutual fund which the fund manager study those stocks for you), you will need to study individual stocks from various sectors and decide which will have the most potential (easier for mutual funds since they diversified), not to mention the minimum commission is killing when small amount of capital (assumed comparison to fsm/eunittrust where SC is already minimize, put management expense aside) Probably things will change when I have a pay rise and more experience in studying them to analyze and make a better decision to dump Malaysian UT **Unless anyone can suggest highly potential penny stock, suggestions are highly appreciated as I am considering this QUOTE(2387581 @ Feb 11 2017, 03:10 PM) https://www.fundsupermart.com.my/main/resea...-Small-Cap-7981 The thing is KGF is also kinda heavy in small cap section and closely track with FBMSC (although they have a fair share in big cap), so is KGF more diversified in long term compared to kap chai which only focus on small cap? But aside from KGF, kenanga really lacks of any other funds that can shine in other segments (unlike eastspring which beside kap chai, they have other funds which can be the best in Malaysia, on par with Affin Hwang and CIMB principal, although may not be if sg mutual funds offer better option) Just wish others can help me with some more info to make a more informed and convincing decision QUOTE(Ramjade @ Feb 11 2017, 03:37 PM) Sure bo? Post by Dividend magic IFP. http://dividendmagic.com.my/2017/01/13/inv...le-get-started/ But if you consider cost and experience from youngster standpoint (like us), mutual fund (provided you go with fsm/eunittrust to minimize fee) is a good starting point for investment. Once you gather enough experience in analyzing and selecting stocks, then you can dump the mutual funds for that segment you invest
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Ramjade	Feb 11 2017, 04:06 PM Show posts by this member only \| Post #170
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(AIYH @ Feb 11 2017, 03:59 PM) Just wish others can help me with some more info to make a more informed and convincing decision But if you consider cost and experience from youngster standpoint (like us), mutual fund (provided you go with fsm/eunittrust to minimize fee) is a good starting point for investment. Once you gather enough experience in analyzing and selecting stocks, then you can dump the mutual funds for that segment you invest Agreed. But don't shoot me. I just sharing Dividend Magic post.
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TSAIYH	Feb 11 2017, 04:10 PM Show posts by this member only \| Post #171
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 11 2017, 04:06 PM) Agreed. But don't shoot me. I just sharing Dividend Magic post. I understand that according to his post, but he did not consider each individual's analytics and financial capability in choosing and investing their own stock selection My point is, don't take the advice as absolute, learn from it, and evaluate it time to time, once you have the capability, no harm to go one step further to try new things, provided you do your homework This is after all, our improvement in financial planning as we gather more wealth and understand more about our investment option and risk appetite
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xuzen	Feb 11 2017, 04:16 PM Show posts by this member only \| Post #172
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(Ramjade @ Feb 11 2017, 03:37 PM) Sure bo? Post by Dividend magic IFP. http://dividendmagic.com.my/2017/01/13/inv...le-get-started/ I have seen DividendMagic post here but rarely. I hope he can come and show me or us his working and let us scrutinize it. I wish to see his logic behind the numbers. I hope the dividendmagic poster is the same person who owns that blog. But Ramjade, while waiting for DividendMagic to come back to us, reread my post again. Stock trading comes with a price. Unless you are the type who buys and holds it for umpteen years. =========================== On another hand however, your post highlight one thing that is quite common, that is, many of you noobs will read somewhere some articles written by some omputeh who talks about low index fund, low fees bla bla bla and then repeat it here in Malaysia context without first investigating that those articles are written for a certain country specific context, namely US market. Yes, in the US you have ultra low cost ETFs and whatsnot. What is my bug bear is many noobs will quote these articles and treat it as gospel truth and not realizing that those articles are written for a different geographical and demographically different audience. Xuzen p/s Further more Dividend Magic makes an assumption that 7% ROI by a professional manager can be replicated by an ordinary run of the mill retail investor which I believe is over generalization. On the other hand, he assert that fund manager consistently cannot beat the market. This assertion is another fallacy that he and many other repeats without first investigating the origin of this fallacy. The oft repeated mantra "FM cannot beat the index" originates from Vanguard's John Bogle and John is correct..... for the US market. Unfortunately this mantra has been used too freely and applied as a blanket statement to all mutual funds, when if one investigated further and thoroughly it was originally intended for the US market. However, if you look at Malaysia context, our beloved KGF / Kapchai beats the benchmark year in and year out for the past ten years and that is despite already factored in the MER. » Click to show Spoiler - click again to hide... « Ramjade: Agreed. But don't shoot me. I just sharing Dividend Magic post. Xuzen: No, you still kena shot! Bang! Bang! This post has been edited by xuzen: Feb 11 2017, 04:32 PM
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Ramjade	Feb 11 2017, 04:26 PM Show posts by this member only \| Post #173
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(xuzen @ Feb 11 2017, 04:16 PM) I have seen DividendMagic post here but rarely. I hope he can come and show me or us his working and let us scrutinize it. I wish to see his logic behind the numbers. I hope the dividendmagic poster is the same person who owns that blog. But Ramjade, while waiting for DividendMagic to come back to us, reread my post again. Stock trading comes with a price. Unless you are the type who buys and holds it for umpteen years. =========================== On another hand however, your post highlight one thing that is quite common, that is, many of you noobs will read somewhere some articles written by some omputeh who talks about low index fund, low fees bla bla bla and then repeat it here in Malaysia context without first investigating that those articles are written for a certain country specific context, namely US market. Yes, in the US you have ultra low cost ETFs and whatsnot. What is my bug bear is many noobs will quote these articles and treat it as gospel truth and not realizing that those articles are written for a different geographical and demographically different audiences. Xuzen Well it's the same person. Agreed. Stock trading needs to take account into broker commission. There are some stocks which can hold for. If one really buy and hold then buying index fund in malaysia is very feasible via local broker. Go through LSE and buy VWRD. No need to look so far into orang puteh. Our neighbour SG have their very own index fund which track the STI. There are lots of SG financial blogger who recommend buying STI index over buying SG UT. So actually if one really want to invest in ETF, it's quite possible.
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xuzen	Feb 11 2017, 04:44 PM Show posts by this member only \| Post #174
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(AIYH @ Feb 11 2017, 03:59 PM) ***Unless anyone can suggest highly potential penny stock, suggestions are highly appreciated as I am considering this The thing is KGF is also kinda heavy in small cap section and closely track with FBMSC (although they have a fair share in big cap), so is KGF more diversified in long term compared to kap chai which only focus on small cap? But aside from KGF, kenanga really lacks of any other funds that can shine in other segments (unlike eastspring which beside kap chai, they have other funds which can be the best in Malaysia, on par with Affin Hwang and CIMB principal, although may not be if sg mutual funds offer better option) Lai lai, Xuzen gor gor give you spoon-feeding info. Open mouth wide wide and swallow whole: 1) Lu suka sama itu Lee Sook Yee fund kah? Then PRS into her using KenangaOne PRS Growth fund. 2) Lu also suka sama suka itu Kap Chai fund? Then buy from FSM lor... dua dua pun boleh kahwin. Apa yang susah sangat? Xuzen
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TSAIYH	Feb 11 2017, 04:48 PM Show posts by this member only \| Post #175
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(xuzen @ Feb 11 2017, 04:44 PM) Lai lai, Xuzen gor gor give you spoon-feeding info. Open mouth wide wide and swallow whole: 1) Lu suka sama itu Lee Sook Yee fund kah? Then PRS into her using KenangaOne PRS Growth fund. 2) Lu also suka sama suka itu Kap Chai fund? Then buy from FSM lor... dua dua pun boleh kahwin. Apa yang susah sangat? Xuzen PRS, kenanga didnt give the best option (got cimb prs asia pac), so no chance Thinking is KGF better cause got both big cap and small cap or kapchai cos strong small cap and got other better funds to intra switch?
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TSAIYH	Feb 11 2017, 04:54 PM Show posts by this member only \| Post #176
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 11 2017, 04:26 PM) Well it's the same person. Agreed. Stock trading needs to take account into broker commission. There are some stocks which can hold for. If one really buy and hold then buying index fund in malaysia is very feasible via local broker. Go through LSE and buy VWRD. No need to look so far into orang puteh. Our neighbour SG have their very own index fund which track the STI. There are lots of SG financial blogger who recommend buying STI index over buying SG UT. So actually if one really want to invest in ETF, it's quite possible. Nikko Am did have 2 funds (one capital growth, and one dividend income), that can beat these etf over 3-5 years (despite factoring in MER), provided you invest with poems (kick out those annoying platform fee for equity in fsm )
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wodenus	Feb 11 2017, 05:05 PM Show posts by this member only \| Post #177
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(Ramjade @ Feb 11 2017, 03:37 PM) Sure bo? Post by Dividend magic IFP. http://dividendmagic.com.my/2017/01/13/inv...le-get-started/ It all boils down to "do you want a second job?" and "do you think your brain will still be as sharp 50 years from now?" https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2596698/ This post has been edited by wodenus: Feb 11 2017, 05:44 PM
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killdavid	Feb 11 2017, 05:43 PM Show posts by this member only \| IPv6 \| Post #178
Senior Satire Officer Senior Member 1,636 posts Joined: Aug 2005 From: Vault 13	QUOTE(Ramjade @ Feb 11 2017, 03:37 PM) Sure bo? Post by Dividend magic IFP. http://dividendmagic.com.my/2017/01/13/inv...le-get-started/ If you look at his Freedom fund which he was kind enough to share, his return for 2015 was about 2.x % and 2016 was 3.x % So investing in stock was not as easy in real life when you factor in all the variables. If you are a talented investor then for sure. But for an average Joe, who wants a simpler path, then maybe informed passive investment in mutual fund is a worthy consideration. I mean for me that is, I don't care if UT can't beat the benchmarks in returns. My assumption is that UT did their due diligence in diversification so for sure that may dampen the returns, but if the UT loses more than benchmark in bad times then it says something negative about the fund. UT should be less volatile than the benchmark, that is my expectation. I prefer to compare UT with all my existing crappy investment like FD, endowment and such. If UT is consistently >3% better in returns than these instruments then i am all for it. This post has been edited by killdavid: Feb 11 2017, 05:53 PM
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Ramjade	Feb 11 2017, 05:45 PM Show posts by this member only \| Post #179
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(killdavid @ Feb 11 2017, 05:43 PM) If you look at his Freedom fund which he was kind enough to share, his return for 2015 was about 2.x % and 2016 was 3.x % So investing in stock was not as easy in real life when you factor in all the variables. If you are a talented investor then for sure. But for an average Joe, who wants a simpler path, then maybe informed passive investment in mutual fund is a worthy consideration. That's just dividend. His capital gain + dividends - 14.69% QUOTE Gross Investment: RM297,777.83 Market Value: RM345,955.92 Dividends (2016): RM11,429.55 Dividend yield = 3.84% Total Gain: 14.69% Respectable for malaysian market This post has been edited by Ramjade: Feb 11 2017, 05:47 PM
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skynode	Feb 11 2017, 05:53 PM Show posts by this member only \| Post #180
Getting Started Junior Member 175 posts Joined: Dec 2007	QUOTE(vincabby @ Feb 11 2017, 01:19 PM) contestchris definitely rubs people in the wrong way. its not entirely his fault as words when not spoken but typed might sound different to different people. however, AIYH made a good point, do consider people's feelings or tone it down if possible. If not, you make yourself stand out for all the wrong reasons. As a wise man said, "Better to be rich than right."
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wodenus	Feb 11 2017, 05:53 PM Show posts by this member only \| Post #181
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(Ramjade @ Feb 11 2017, 05:45 PM) That's just dividend. His capital gain + dividends - 14.69% Respectable for malaysian market How old is he? in the very long term, a mutual fund will still outperform him. This post has been edited by wodenus: Feb 11 2017, 05:53 PM
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killdavid	Feb 11 2017, 05:54 PM Show posts by this member only \| IPv6 \| Post #182
Senior Satire Officer Senior Member 1,636 posts Joined: Aug 2005 From: Vault 13	QUOTE(Ramjade @ Feb 11 2017, 05:45 PM) That's just dividend. His capital gain + dividends - 14.69% Respectable for malaysian market ok thanks for correcting my view This post has been edited by killdavid: Feb 11 2017, 06:04 PM
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wodenus	Feb 11 2017, 05:57 PM Show posts by this member only \| Post #183
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(vincabby @ Feb 11 2017, 01:19 PM) contestchris definitely rubs people in the wrong way. its not entirely his fault as words when not spoken but typed might sound different to different people. however, AIYH made a good point, do consider people's feelings or tone it down if possible. If not, you make yourself stand out for all the wrong reasons. He's probably got the best performing portfolio though.
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TSAIYH	Feb 11 2017, 06:19 PM Show posts by this member only \| Post #184
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(killdavid @ Feb 11 2017, 05:43 PM) I mean for me that is, I don't care if UT can't beat the benchmarks in returns. My assumption is that UT did their due diligence in diversification so for sure that may dampen the returns, but if the UT loses more than benchmark in bad times then it says something negative about the fund. UT should be less volatile than the benchmark, that is my expectation. I prefer to compare UT with all my existing crappy investment like FD, endowment and such. If UT is consistently >3% better in returns than these instruments then i am all for it. For better investment decision, you need to see whether they beat their respective region and sector benchmark (not necessary the one set by the fund manager) For example, CIMB asia pacific dynamic income fund, although the fund manager set the benchmark as 8% per annum, it is very much correlated with MSCI asia ex japan index, so you need to compare them to see whether this fund can beat that index, if not, is better to find its peer that can beat that index or invest in etf that invest in that index There are several funds within the same league that invest in the dame reion/sector, even though they may not use the same benchmark, they may correlate to the same index, so is important to compare them to see which fund can outperform the index the most QUOTE(wodenus @ Feb 11 2017, 05:57 PM) He's probably got the best performing portfolio though. Even so, he needs to be more humble in giving his view rather than insulting others
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SUSic no 851025071234	Feb 11 2017, 09:05 PM Show posts by this member only \| Post #185
Regular Senior Member 1,231 posts Joined: Mar 2015	QUOTE(wodenus @ Feb 11 2017, 05:53 PM) How old is he? in the very long term, a mutual fund will still outperform him. Ponzi 1 has almost similar return to his dividend stocks. But if factor the sc he get better return. QUOTE(wodenus @ Feb 11 2017, 05:57 PM) He's probably got the best performing portfolio though. How good? How to rate my portfolio? Based on FSM my investment table?
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wodenus	Feb 11 2017, 11:05 PM Show posts by this member only \| Post #186
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(ic no 851025071234 @ Feb 11 2017, 09:05 PM) Ponzi 1 has almost similar return to his dividend stocks. But if factor the sc he get better return. How old is he? lets see how he does in 50 years time.. if he is even still around what about 100 years' time? presumably our descendants will carry on the mutual fund, what about him? what will be the performance of his investments after he's no longer around?
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contestchris	Feb 12 2017, 11:18 AM Show posts by this member only \| Post #187
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(Ramjade @ Feb 11 2017, 03:37 PM) Sure bo? Post by Dividend magic IFP. http://dividendmagic.com.my/2017/01/13/inv...le-get-started/ I mean, those numbers are kinda iffy lah. Sure, the figures add up, but you must consider, how often can individual stockholders beat or match the market? Read this article: http://www.marketwatch.com/story/heres-why...gain-2017-02-09 Sure, I mean really if you got all the know-how and resources (knowledge + capital + contacts + experience) go directly into stocks, but those guys in Kenanga and Eastspring and CIMB Principal and Affin Hwang have got a dedicated team that visits factories and offices of small cap companies, meet up with senior management once every three months, have got insider contacts in each sector/industry, have extensive financial modelling programs, have access to Bloomberg terminals...need I go on? This post has been edited by contestchris: Feb 12 2017, 11:19 AM
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Ramjade	Feb 12 2017, 11:28 AM Show posts by this member only \| Post #188
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(contestchris @ Feb 12 2017, 11:18 AM) I mean, those numbers are kinda iffy lah. Sure, the figures add up, but you must consider, how often can individual stockholders beat or match the market? Read this article: http://www.marketwatch.com/story/heres-why...gain-2017-02-09 Sure, I mean really if you got all the know-how and resources (knowledge + capital + contacts + experience) go directly into stocks, but those guys in Kenanga and Eastspring and CIMB Principal and Affin Hwang have got a dedicated team that visits factories and offices of small cap companies, meet up with senior management once every three months, have got insider contacts in each sector/industry, have extensive financial modelling programs, have access to Bloomberg terminals...need I go on? I think you are missing the point. The thing is if you are holding for long term (dividend stocks), it will beat growth stocks. Got this off a SG financial blogger. http://singaporeanstocksinvestor.blogspot.com/ Original website: http://dividendmachines.com/ This post has been edited by Ramjade: Feb 12 2017, 11:29 AM
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contestchris	Feb 12 2017, 11:34 AM Show posts by this member only \| Post #189
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(Ramjade @ Feb 12 2017, 11:28 AM) I think you are missing the point. The thing is if you are holding for long term (dividend stocks), it will beat growth stocks. Got this off a SG financial blogger. http://singaporeanstocksinvestor.blogspot.com/ Original website: http://dividendmachines.com/ Dividend paying stocks are usually your large cap bluechips which are stable and tend to sustain themselves over a long period of time. Growth stocks are fiery in the short term, and not long after the fire dies. So you can't invest in a growth stock in the long term - you need to know when to get out. Growth stocks are short to medium term investments. Look at the KGF and Eastspring SC Fund...they're both mainly growth orientated, and are actively managed, such that they outperform the Malaysian market greatly over a large period of time. This post has been edited by contestchris: Feb 12 2017, 12:55 PM
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biastee	Feb 12 2017, 11:51 AM Show posts by this member only \| Post #190
Getting Started Junior Member 89 posts Joined: Dec 2016	QUOTE(wodenus @ Feb 11 2017, 05:05 PM) ... "do you think your brain will still be as sharp 50 years from now?" https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2596698/ :-) Fortunately, the shrinking brain and cognitive decline which are highlighted by that article, can be combat with aerobic training. https://academic.oup.com/biomedgerontology/...es-Brain-Volume http://www.dailymail.co.uk/health/article-...ordination.html https://well.blogs.nytimes.com/2014/05/07/a...it-brain-at-50/ :-) Isn't this a good excuse to step back from this forum and entrust the RM to invest on your behalf, so that u can channel your limited free time to training for the marathon / triathlon ?
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SUSic no 851025071234	Feb 12 2017, 01:32 PM Show posts by this member only \| Post #191
Regular Senior Member 1,231 posts Joined: Mar 2015	QUOTE(contestchris @ Feb 12 2017, 11:34 AM) Dividend paying stocks are usually your large cap bluechips which are stable and tend to sustain themselves over a long period of time. Growth stocks are fiery in the short term, and not long after the fire dies. So you can't invest in a growth stock in the long term - you need to know when to get out. Growth stocks are short to medium term investments. Look at the KGF and Eastspring SC Fund...they're both mainly growth orientated, and are actively managed, such that they outperform the Malaysian market greatly over a large period of time. Agree with u on this. If dividend stocks can be growth stocks then there is no point investing in growth stocks. It's risk vs stability right.
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Ramjade	Feb 12 2017, 01:38 PM Show posts by this member only \| Post #192
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(ic no 851025071234 @ Feb 12 2017, 01:32 PM) Agree with u on this. If dividend stocks can be growth stocks then there is no point investing in growth stocks. It's risk vs stability right. Not necessarily. Dividend is how much the company want to give out. So if the company give out it's profit by say 90% (like in REITS), they have not much left to grow. If they give out say 30-40%, they still have 70-60% left over. UP to you whether you want all the income or let the company decide what's good for itself.
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Avangelice	Feb 12 2017, 01:39 PM Show posts by this member only \| Post #193
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Ramjade @ Feb 12 2017, 01:38 PM) Not necessarily. Dividend is how much the company want to give out. So if the company give out it's profit by say 90% (like in REITS), they have not much left to grow. If they give out say 30-40%, they still have 70-60% left over. UP to you whether you want all the income or let the company decide what's good for itself. that's why when you buy into a company's stock you need to be part of the decision making process by attending the AGM and even vote for who becomes the director and such or fill in the forms in lieu of your broker This post has been edited by Avangelice: Feb 12 2017, 03:23 PM
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Dividend Magic	Feb 12 2017, 03:47 PM Show posts by this member only \| Post #194
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(xuzen @ Feb 11 2017, 04:16 PM) I have seen DividendMagic post here but rarely. I hope he can come and show me or us his working and let us scrutinize it. I wish to see his logic behind the numbers. I hope the dividendmagic poster is the same person who owns that blog. But Ramjade, while waiting for DividendMagic to come back to us, reread my post again. Stock trading comes with a price. Unless you are the type who buys and holds it for umpteen years. =========================== On another hand however, your post highlight one thing that is quite common, that is, many of you noobs will read somewhere some articles written by some omputeh who talks about low index fund, low fees bla bla bla and then repeat it here in Malaysia context without first investigating that those articles are written for a certain country specific context, namely US market. Yes, in the US you have ultra low cost ETFs and whatsnot. What is my bug bear is many noobs will quote these articles and treat it as gospel truth and not realizing that those articles are written for a different geographical and demographically different audience. Xuzen p/s Further more Dividend Magic makes an assumption that 7% ROI by a professional manager can be replicated by an ordinary run of the mill retail investor which I believe is over generalization. On the other hand, he assert that fund manager consistently cannot beat the market. This assertion is another fallacy that he and many other repeats without first investigating the origin of this fallacy. The oft repeated mantra "FM cannot beat the index" originates from Vanguard's John Bogle and John is correct..... for the US market. Unfortunately this mantra has been used too freely and applied as a blanket statement to all mutual funds, when if one investigated further and thoroughly it was originally intended for the US market. However, if you look at Malaysia context, our beloved KGF / Kapchai beats the benchmark year in and year out for the past ten years and that is despite already factored in the MER. » Click to show Spoiler - click again to hide... « Ramjade: Agreed. But don't shoot me. I just sharing Dividend Magic post. Xuzen: No, you still kena shot! Bang! Bang! Hai guys! This thread got awakened suddenly I see.. Firstly, I am one and the same. The blog is mine. =D The minimum fee for Hong Leong is RM8.48 per transaction now (https://www.hlb.com.my/main/e-broking). I'm pretty sure the other brokerages are charging similar competitive rates already Now on to the interesting part.. In terms of cost efficiency if you're using RM200 as a base.. of course 2% beats RM8. That's math. Do note that when you reach the RM800 figure, it kinda evens out right. Assuming you take into account both the purchasing and selling fees. Another way to look at this is, I save up and invest once every 6 months. That's RM1,200 at a RM16 (RM8 x 2) transaction fee. But that's RM24 in fees for you. And that's only the service charges. I also understand UTs do charge you management fees, switching fees, trustee fees etc. Taking the long term view into account, I do sincerely think managing your own portfolio of shares is much better. You're also right that the mantra "FM cannot beat the index" is mainly for the US market. But do you really think our Malaysian fund managers are better than their US counterparts? It is unfair to just pick one fund that's performing to represent all funds. If I recall, the statement was something like 99% of all funds can't beat the index in the long term. Anyway, this argument/debate has been going on for decades with no real conclusion. Think it's pointless for us to continue here Hope I covered everything! Really interesting to read everyone's opinions here. Looking forward to more constructive discussions!
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Dividend Magic	Feb 12 2017, 03:51 PM Show posts by this member only \| Post #195
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(killdavid @ Feb 11 2017, 05:43 PM) If you look at his Freedom fund which he was kind enough to share, his return for 2015 was about 2.x % and 2016 was 3.x % So investing in stock was not as easy in real life when you factor in all the variables. If you are a talented investor then for sure. But for an average Joe, who wants a simpler path, then maybe informed passive investment in mutual fund is a worthy consideration. I mean for me that is, I don't care if UT can't beat the benchmarks in returns. My assumption is that UT did their due diligence in diversification so for sure that may dampen the returns, but if the UT loses more than benchmark in bad times then it says something negative about the fund. UT should be less volatile than the benchmark, that is my expectation. I prefer to compare UT with all my existing crappy investment like FD, endowment and such. If UT is consistently >3% better in returns than these instruments then i am all for it. QUOTE(Ramjade @ Feb 11 2017, 05:45 PM) That's just dividend. His capital gain + dividends - 14.69% Respectable for malaysian market Damn.. Looks like I need to represent my portfolio more clearly.. I hope not everyone thinks I'm making only 2 - 3% annually.
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wodenus	Feb 12 2017, 03:51 PM Show posts by this member only \| Post #196
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(biastee @ Feb 12 2017, 11:51 AM) :-) Fortunately, the shrinking brain and cognitive decline which are highlighted by that article, can be combat with aerobic training. https://academic.oup.com/biomedgerontology/...es-Brain-Volume http://www.dailymail.co.uk/health/article-...ordination.html https://well.blogs.nytimes.com/2014/05/07/a...it-brain-at-50/ :-) Isn't this a good excuse to step back from this forum and entrust the RM to invest on your behalf, so that u can channel your limited free time to training for the marathon / triathlon ? That depends on how qualified and experienced the RM is. But yea, that's why we are into UT and not stocks. I have better things to do than sit at a desk reading stuff all day. I'm just one person anyway, how would I be able to beat a whole company full of people doing the same
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TSAIYH	Feb 12 2017, 03:53 PM Show posts by this member only \| Post #197
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Dividend Magic @ Feb 12 2017, 03:47 PM) Hai guys! This thread got awakened suddenly I see.. Firstly, I am one and the same. The blog is mine. =D The minimum fee for Hong Leong is RM8.48 per transaction now (https://www.hlb.com.my/main/e-broking). I'm pretty sure the other brokerages are charging similar competitive rates already Now on to the interesting part.. In terms of cost efficiency if you're using RM200 as a base.. of course 2% beats RM8. That's math. Do note that when you reach the RM800 figure, it kinda evens out right. Assuming you take into account both the purchasing and selling fees. Another way to look at this is, I save up and invest once every 6 months. That's RM1,200 at a RM16 (RM8 x 2) transaction fee. But that's RM24 in fees for you. And that's only the service charges. I also understand UTs do charge you management fees, switching fees, trustee fees etc. Taking the long term view into account, I do sincerely think managing your own portfolio of shares is much better. You're also right that the mantra "FM cannot beat the index" is mainly for the US market. But do you really think our Malaysian fund managers are better than their US counterparts? It is unfair to just pick one fund that's performing to represent all funds. If I recall, the statement was something like 99% of all funds can't beat the index in the long term. Anyway, this argument/debate has been going on for decades with no real conclusion. Think it's pointless for us to continue here Hope I covered everything! Really interesting to read everyone's opinions here. Looking forward to more constructive discussions! The thing is someone take what they read as absolute advice without own research and blindly go for recommended stocks or unit trust. Some unit trust can beat the index consistently but most go down the drain (you need to find out the gem). Same for stocks, it can be risky if you didn't diversify enough or knowing when to buy low sell high or enter and exit when you didnt do enough homework to pick the potential stocks The point is, if one research, they will sure get the good unit trust portfolio as well as good stocks portfolio, best of both world
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Dividend Magic	Feb 12 2017, 03:53 PM Show posts by this member only \| Post #198
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(contestchris @ Feb 12 2017, 11:18 AM) I mean, those numbers are kinda iffy lah. Sure, the figures add up, but you must consider, how often can individual stockholders beat or match the market? Read this article: http://www.marketwatch.com/story/heres-why...gain-2017-02-09 Sure, I mean really if you got all the know-how and resources (knowledge + capital + contacts + experience) go directly into stocks, but those guys in Kenanga and Eastspring and CIMB Principal and Affin Hwang have got a dedicated team that visits factories and offices of small cap companies, meet up with senior management once every three months, have got insider contacts in each sector/industry, have extensive financial modelling programs, have access to Bloomberg terminals...need I go on? I think that's the main difference between Malaysia's market and the more transparent US one. This post has been edited by Dividend Magic: Feb 12 2017, 03:53 PM
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contestchris	Feb 12 2017, 04:08 PM Show posts by this member only \| Post #199
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(Dividend Magic @ Feb 12 2017, 03:53 PM) I think that's the main difference between Malaysia's market and the more transparent US one. You think Warren Buffet had no insider contacts? Every successful large scale value investor needs insider contacts to get a better sector or industry wide feel. Mind you, don't confuse insider contacts with insider information. The latter is illegal obviously.
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wodenus	Feb 12 2017, 04:09 PM Show posts by this member only \| Post #200
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(Dividend Magic @ Feb 12 2017, 03:53 PM) I think that's the main difference between Malaysia's market and the more transparent US one. It's only more transparent in the sense that they tell you what the entire holdings are. They don't tell you how and why and when and how much they buy or sell every day
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contestchris	Feb 12 2017, 04:12 PM Show posts by this member only \| Post #201
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(Dividend Magic @ Feb 12 2017, 03:47 PM) Hai guys! This thread got awakened suddenly I see.. Firstly, I am one and the same. The blog is mine. =D The minimum fee for Hong Leong is RM8.48 per transaction now (https://www.hlb.com.my/main/e-broking). I'm pretty sure the other brokerages are charging similar competitive rates already Now on to the interesting part.. In terms of cost efficiency if you're using RM200 as a base.. of course 2% beats RM8. That's math. Do note that when you reach the RM800 figure, it kinda evens out right. Assuming you take into account both the purchasing and selling fees. Another way to look at this is, I save up and invest once every 6 months. That's RM1,200 at a RM16 (RM8 x 2) transaction fee. But that's RM24 in fees for you. And that's only the service charges. I also understand UTs do charge you management fees, switching fees, trustee fees etc. Taking the long term view into account, I do sincerely think managing your own portfolio of shares is much better. You're also right that the mantra "FM cannot beat the index" is mainly for the US market. But do you really think our Malaysian fund managers are better than their US counterparts? It is unfair to just pick one fund that's performing to represent all funds. If I recall, the statement was something like 99% of all funds can't beat the index in the long term. Anyway, this argument/debate has been going on for decades with no real conclusion. Think it's pointless for us to continue here Hope I covered everything! Really interesting to read everyone's opinions here. Looking forward to more constructive discussions! The problem is with Malaysia we don't have an actual index benchmark. In the US they use S&P TR as the benchmark, in Malaysia they just use FBM KLCI as the benchmark, which is totally wrong. The benchmark to be representative must include the Total Returns (I.e. Dividends reinvested). FBM KLCI is only based on capital growth, not inclusive of dividends.
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Dividend Magic	Feb 12 2017, 04:15 PM Show posts by this member only \| Post #202
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(contestchris @ Feb 12 2017, 04:12 PM) The problem is with Malaysia we don't have an actual index benchmark. In the US they use S&P TR as the benchmark, in Malaysia they just use FBM KLCI as the benchmark, which is totally wrong. The benchmark to be representative must include the Total Returns (I.e. Dividends reinvested). FBM KLCI is only based on capital growth, not inclusive of dividends. Yup, the best we have are lousy.. For eg FBMKLCI-EA. Which invest in only the 30 biggest companies...
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Dividend Magic	Feb 12 2017, 04:16 PM Show posts by this member only \| Post #203
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(contestchris @ Feb 12 2017, 04:08 PM) You think Warren Buffet had no insider contacts? Every successful large scale value investor needs insider contacts to get a better sector or industry wide feel. Mind you, don't confuse insider contacts with insider information. The latter is illegal obviously. For Malaysia, it is the latter that is running rampant. Everyone in the industry is involved in insider trading one way or the other.
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xuzen	Feb 12 2017, 04:35 PM Show posts by this member only \| Post #204
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(Dividend Magic @ Feb 12 2017, 03:47 PM) Hai guys! This thread got awakened suddenly I see.. Firstly, I am one and the same. The blog is mine. =D The minimum fee for Hong Leong is RM8.48 per transaction now (https://www.hlb.com.my/main/e-broking). I'm pretty sure the other brokerages are charging similar competitive rates already Now on to the interesting part.. In terms of cost efficiency if you're using RM200 as a base.. of course 2% beats RM8. That's math. Do note that when you reach the RM800 figure, it kinda evens out right. Assuming you take into account both the purchasing and selling fees. Another way to look at this is, I save up and invest once every 6 months. That's RM1,200 at a RM16 (RM8 x 2) transaction fee. But that's RM24 in fees for you. And that's only the service charges. I also understand UTs do charge you management fees, switching fees, trustee fees etc. Taking the long term view into account, I do sincerely think managing your own portfolio of shares is much better. You're also right that the mantra "FM cannot beat the index" is mainly for the US market. But do you really think our Malaysian fund managers are better than their US counterparts? It is unfair to just pick one fund that's performing to represent all funds. If I recall, the statement was something like 99% of all funds can't beat the index in the long term. Anyway, this argument/debate has been going on for decades with no real conclusion. Think it's pointless for us to continue here Hope I covered everything! Really interesting to read everyone's opinions here. Looking forward to more constructive discussions! Thank you friend Dividend Magic for your reply. Yeah, I was using calculation based on my old data that is MYR 40.00 per trade. You can now roughly gauge how long ago my last trade was. I recall during my time as an active participant in the retail stock market, online trading was not in vogue and MYR 8.00 per trade is unheard of! I had to pay MYR 40.00 per trade, seriously and no kidding! I really pity those stock-broker who are still in business nowadays. How do they survive these days? Dividend Magic and I perhaps represent the above average investors in our respective area of expertise. Hence most likely both of us possess the knowledge, tools, system or "luck" to sniff out winners more frequently than losers. In this sense, from a personal point of view, I do not have to worry about the 99% as I have a system to identify the one percent. Anyway, friend Dividend Magic, nice to have a verbal sparring with you. It is like a sifu meeting another sifu and have a friendly sparring with each other like the days of old. Appreciate it. Speaking of benchmark or index, for KGF, instead of KLCI, a better benchmark should be the EMAS index no? QUOTE(wodenus @ Feb 12 2017, 03:51 PM) That depends on how qualified and experienced the RM is. But yea, that's why we are into UT and not stocks. I have better things to do than sit at a desk reading stuff all day. I'm just one person anyway, how would I be able to beat a whole company full of people doing the same I remembered during my days when I was an active direct stock market participant, I did read a lot of report and reports. One of the reason why I moved to unit trust participation is to simplify my life and let those professionals do it on my behalf. Xuzen This post has been edited by xuzen: Feb 12 2017, 04:45 PM
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idyllrain	Feb 12 2017, 06:08 PM Show posts by this member only \| Post #205
Getting Started Junior Member 78 posts Joined: Apr 2008	QUOTE(opticc @ Feb 12 2017, 12:17 PM) wah u manyak fierce leh, u want to chase top perfomer away. then left only the mediocre who wont challenge any shifu view no good also. Be careful of reading too much into portfolio performance. Good performance is sometimes a matter of timing. Judging from his own data, his portfolio is barely a couple months old and had the luck of buying in during the Trump rally.
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Dividend Magic	Feb 12 2017, 06:20 PM Show posts by this member only \| Post #206
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(wodenus @ Feb 11 2017, 05:53 PM) How old is he? in the very long term, a mutual fund will still outperform him. I'm 28 this year bro. Or did u mean how old is my fund. Haha I seriously doubt that a mutual fund would out perform me in the very long term.
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Dividend Magic	Feb 12 2017, 06:28 PM Show posts by this member only \| Post #207
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(xuzen @ Feb 12 2017, 04:35 PM) Thank you friend Dividend Magic for your reply. Yeah, I was using calculation based on my old data that is MYR 40.00 per trade. You can now roughly gauge how long ago my last trade was. I recall during my time as an active participant in the retail stock market, online trading was not in vogue and MYR 8.00 per trade is unheard of! I had to pay MYR 40.00 per trade, seriously and no kidding! I really pity those stock-broker who are still in business nowadays. How do they survive these days? Dividend Magic and I perhaps represent the above average investors in our respective area of expertise. Hence most likely both of us possess the knowledge, tools, system or "luck" to sniff out winners more frequently than losers. In this sense, from a personal point of view, I do not have to worry about the 99% as I have a system to identify the one percent. Anyway, friend Dividend Magic, nice to have a verbal sparring with you. It is like a sifu meeting another sifu and have a friendly sparring with each other like the days of old. Appreciate it. Speaking of benchmark or index, for KGF, instead of KLCI, a better benchmark should be the EMAS index no? I remembered during my days when I was an active direct stock market participant, I did read a lot of report and reports. One of the reason why I moved to unit trust participation is to simplify my life and let those professionals do it on my behalf. Xuzen Remisiers are a dying breed already. Only the older generation still go through them. Even then, I still see old uncles and aunties sitting around in Hong Leong using the computer to trade themselves. I agree we may 'seem' to be above average but I'd say its because most of the sifus here are more passionate about investing and our own financial independence (forgive me if I speak for both of us). I literally enjoy my time spent going thru reports and reading up on companies. I really do miss the old times where I get to witness epic discussions between everyone. Nowadays I don't spend so much time going thru the forums anymore. Only chance I get is when you guys are kind enough to tag me (Thank you Ramjade please do tag me more in the future ) Yea EMAS would be better but still insufficient I guess. Let professionals do your work and sit at home goyang kaki eh? Nowadays I just spend about 30 minutes a day reading. End of the month, I compile my report for the blog. That's it haha. This post has been edited by Dividend Magic: Feb 12 2017, 06:30 PM
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Avangelice	Feb 12 2017, 07:55 PM Show posts by this member only \| Post #208
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	Dividend Magic just wanna send you a shout out by saying how much I appreciate the hard work you put into your blog. Because of you and your blog I took the initiative to venture into stocks and stand on my principles not to chase returns but to invest long term. We are the same age and I must admit I wasted my youth chasing love and wasting money where I should have started off investing. This saddens me but at the same time I am now having a goal in my life. MYR 1000 at a time to hit my myr 100k mark by the time I hit 30 years old. then from there 200k then 300k. If you find the days like nobody appreciates your work just know that you have helped many silent readers like me. I owe you and Xuzen a debt of gratitude
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David3700	Feb 12 2017, 08:10 PM Show posts by this member only \| Post #209
Regular Senior Member 1,055 posts Joined: Nov 2015	Hi Avangelice, may share your girlfriend portfolio ? My wife also wish to invest in UTs.
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Ramjade	Feb 12 2017, 08:19 PM Show posts by this member only \| Post #210
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(David3700 @ Feb 12 2017, 08:10 PM) Hi Avangelice, may share your girlfriend portfolio ? My wife also wish to invest in UTs. You can follow this allocation http://www.turtleinvestor.net/asset-allocation/ For the STI part, you can use https://www.fundsupermart.com.my/main/fundi...Class-MYNAMSDEM For fund performance, you can see the SG section https://secure.fundsupermart.com/fsm/#!...actsheet/370190 Or you can do for her a "capital guaranteed" portfolio like his. http://www.turtleinvestor.net/i-started-a-...io-for-my-wife/ Even though we are in Malaysia, we can use the same principle. This post has been edited by Ramjade: Feb 12 2017, 08:23 PM
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Dividend Magic	Feb 12 2017, 08:21 PM Show posts by this member only \| Post #211
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(Avangelice @ Feb 12 2017, 07:55 PM) Dividend Magic just wanna send you a shout out by saying how much I appreciate the hard work you put into your blog. Because of you and your blog I took the initiative to venture into stocks and stand on my principles not to chase returns but to invest long term. We are the same age and I must admit I wasted my youth chasing love and wasting money where I should have started off investing. This saddens me but at the same time I am now having a goal in my life. MYR 1000 at a time to hit my myr 100k mark by the time I hit 30 years old. then from there 200k then 300k. If you find the days like nobody appreciates your work just know that you have helped many silent readers like me. I owe you and Xuzen a debt of gratitude Really appreciate your kind words my friend. Makes me happy to have been able to make a positive impact like this. We all gota start somewhere. Just gota stick to our goals and work hard towards it. To financial independence! Don't be too silent also la, comment sikit, start some discussions here and there =D This post has been edited by Dividend Magic: Feb 12 2017, 08:22 PM
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Avangelice	Feb 12 2017, 08:22 PM Show posts by this member only \| Post #212
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(David3700 @ Feb 12 2017, 08:10 PM) Hi Avangelice, may share your girlfriend portfolio ? My wife also wish to invest in UTs. I am currently managing it. so here's a snapshot of her portfolio. Need to tone down the risk or she already threatened to cut me d**k off. Affin Hwang Select Bond Fund 50% Ponzi 2.0 25% East Spring Emerging market 25%
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Avangelice	Feb 12 2017, 08:24 PM Show posts by this member only \| Post #213
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Dividend Magic @ Feb 12 2017, 08:21 PM) Really appreciate your kind words my friend. Makes me happy to have been able to make a positive impact like this. We all gota start somewhere. Just gota stick to our goals and work hard towards it. To financial independence! Don't be too silent also la, comment sikit, start some discussions here and there =D One day I'll attend one of your talks/classes/courses if you plan to have any. All the best to you and as they say HUAT AR!
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Dividend Magic	Feb 12 2017, 08:24 PM Show posts by this member only \| Post #214
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(David3700 @ Feb 12 2017, 08:10 PM) Hi Avangelice, may share your girlfriend portfolio ? My wife also wish to invest in UTs. Eh how come suddenly gf portfolio one. I must've missed something
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Avangelice	Feb 12 2017, 08:26 PM Show posts by this member only \| Post #215
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Dividend Magic @ Feb 12 2017, 08:24 PM) Eh how come suddenly gf portfolio one. I must've missed something Long story short, my girlfriend was duped by bank officer to invest in "unit trust" a year back. When I asked a copy of her documents I found out her portfolio was actually an endowment plant linked with a insurance company. She had to place 3k per year for the next 8 years and get a measly return of 3% Irr. (did the calculation) So I went to the bank and had a little "chat" with the guy and pulled out all her funds and now I'm actively managing her fundsupermart portfolio.
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blogomatic	Feb 12 2017, 08:30 PM Show posts by this member only \| Post #216
Getting Started Junior Member 265 posts Joined: May 2012	QUOTE(Avangelice @ Feb 12 2017, 08:26 PM) Long story short, my girlfriend was duped by bank officer to invest in "unit trust" a year back. When I asked a copy of her documents I found out her portfolio was actually an endowment plant linked with a insurance company. She had to place 3k per year for the next 8 years and get a measly return of 3% Irr. (did the calculation) So I went to the bank and had a little "chat" with the guy and pulled out all her funds and now I'm actively managing her fundsupermart portfolio. good for your gf. profit she gets, loss you tanggung. piece of advice though, it's better for her to lose her money herself rather than you
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TSAIYH	Feb 12 2017, 08:34 PM Show posts by this member only \| Post #217
Regular Senior Member 1,166 posts Joined: Jul 2016	Dividend Magic I do see you preach for dividend income investing as the principle of long term investment to generate income But, to my understanding, when a company declare dividend, its' share price fell, and if we did not reinvest the dividend, our capital in investment actually shrink. But if we reinvest the dividend back into it, then it makes minimal difference to those stocks which do not declare dividend, instead they spend their earning into capital growth (provided both non-dividend paying and dividend paying stock have the same capital gain percentage) Then what is the fundamental difference in focusing in dividend stocks vs growth stocks when we reinvest the dividend, it will be the same as growth stock which didn't declare dividend? p/s: asking this is because, whenever people understand about mutual funds, some companies focus on the distribution numbers and pay big dividend even though the fund is negatively performing (is it similar to companies who declare dividend even though they have negative earning for the year, but use previous years earning to pay). I believe that the distribution=performing misconception comes from their understanding from stocks investing when they think, it applies to stock, it applies to mutual funds as well, since, from what I understand, mutual funds distribution is meaningless and a marketing tactic to push down unit price This post has been edited by AIYH: Feb 12 2017, 08:43 PM
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kai88	Feb 12 2017, 08:36 PM Show posts by this member only \| Post #218
Getting Started Junior Member 129 posts Joined: May 2007	QUOTE(Dividend Magic @ Feb 12 2017, 06:20 PM) I'm 28 this year bro. Or did u mean how old is my fund. Haha I seriously doubt that a mutual fund would out perform me in the very long term. What is your annual return in percentage ?
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Ramjade	Feb 12 2017, 08:42 PM Show posts by this member only \| Post #219
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(kai88 @ Feb 12 2017, 08:36 PM) What is your annual return in percentage ? It's in his blog. Total returns = Dividend + capital gains = 14.xx%
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Ramjade	Feb 12 2017, 08:53 PM Show posts by this member only \| Post #220
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(AIYH @ Feb 12 2017, 08:34 PM) Dividend Magic I do see you preach for dividend income investing as the principle of long term investment to generate income But, to my understanding, when a company declare dividend, its' share price fell, and if we did not reinvest the dividend, our capital in investment actually shrink. But if we reinvest the dividend back into it, then it makes minimal difference to those stocks which do not declare dividend, instead they spend their earning into capital growth (provided both non-dividend paying and dividend paying stock have the same capital gain percentage) Then what is the fundamental difference in focusing in dividend stocks vs growth stocks when we reinvest the dividend, it will be the same as growth stock which didn't declare dividend? p/s: asking this is because, whenever people understand about mutual funds, some companies focus on the distribution numbers and pay big dividend even though the fund is negatively performing (is it similar to companies who declare dividend even though they have negative earning for the year, but use previous years earning to pay). I believe that the distribution=performing misconception comes from their understanding from stocks investing when they think, it applies to stock, it applies to mutual funds as well, since, from what I understand, mutual funds distribution is meaningless and a marketing tactic to push down unit price Xuzen did say dividend suppose to down but unlike UT where the NAV will drop, in share the stock can increase. Dividend is given out from the company income. Decrease income = lower/no dividend.
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puchongite	Feb 12 2017, 09:01 PM Show posts by this member only \| Post #221
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Ramjade @ Feb 12 2017, 08:42 PM) It's in his blog. Total returns = Dividend + capital gains = 14.xx% Just invest in one fund ponzi 2.0 also can get that return for 5 years. No need to do any reading.
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TSAIYH	Feb 12 2017, 09:01 PM Show posts by this member only \| Post #222
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 12 2017, 08:53 PM) Xuzen did say dividend suppose to down but unlike UT where the NAV will drop, in share the stock can increase. And what will the reason be? If on ex dividend date, which the share price suppose to drop by the amount of dividend declare, but the day itself, the share price rice, then it will see like the share price did not drop by the dividend amount proportionately. If that's the case, then mutual funds will have the same situation no? Or they have different tax treatment between stocks or mutual funds? or something else? QUOTE(Ramjade @ Feb 12 2017, 08:53 PM) Dividend is given out from the company income. Decrease income = lower/no dividend. But some company do declare dividend even they have they have negative earning for the year, if they use their previous years earning to pay for the dividend. Same for mutual funds no?
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David3700	Feb 12 2017, 09:08 PM Show posts by this member only \| Post #223
Regular Senior Member 1,055 posts Joined: Nov 2015	QUOTE(Avangelice @ Feb 12 2017, 08:22 PM) I am currently managing it. so here's a snapshot of her portfolio. Need to tone down the risk or she already threatened to cut me d**k off. Affin Hwang Select Bond Fund 50% Ponzi 2.0 25% East Spring Emerging market 25% Good. Should be a safe portfolio. Actually I have the following in mind : 1. Esther bond - 40% 2. Ponzi 2.0 (Apac ex Jpn) - 20% 3. Ponzi 1.0 (ASEAN Small Cap) - 15% 4. AIF (Apac balanced) - 15% 5. East spring GEM (Emerging Market) - 10% Target 8% return pa.....any comments please ?
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Ramjade	Feb 12 2017, 09:12 PM Show posts by this member only \| Post #224
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	AIYH I think it's about demand, then you key in wrong value (higher price) so people willingly sell you their part. QUOTE(David3700 @ Feb 12 2017, 09:08 PM) Good. Should be a safe portfolio. Actually I have the following in mind : 1. Esther bond - 40% 2. Ponzi 2.0 (Apac ex Jpn) - 20% 3. Ponzi 1.0 (ASEAN Small Cap) - 15% 4. AIF (Apac balanced) - 15% 5. East spring GEM (Emerging Market) - 10% Target 8% return pa.....any comments please ? If you are having AIF, no need for Ponzi 2, Ponzi 1 Where's your developed market? This post has been edited by Ramjade: Feb 12 2017, 09:15 PM
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Avangelice	Feb 12 2017, 09:21 PM Show posts by this member only \| Post #225
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(David3700 @ Feb 12 2017, 09:08 PM) Good. Should be a safe portfolio. Actually I have the following in mind : 1. Esther bond - 40% 2. Ponzi 2.0 (Apac ex Jpn) - 20% 3. Ponzi 1.0 (ASEAN Small Cap) - 15% 4. AIF (Apac balanced) - 15% 5. East spring GEM (Emerging Market) - 10% Target 8% return pa.....any comments please ? if you are managing your wives portfolio I would suggest you have a 20 minute talk like what I did with mine. you need to get her to have a rough understand what is her risk appetite. if she has a very play safe personality, I would suggest you take up Esther bond 40% Rhb AIF 20% Am Asia REITs 10% rhb emerging market bond 20% global Titan 10%
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Ramjade	Feb 12 2017, 09:25 PM Show posts by this member only \| Post #226
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	Avangelice, here you go. India will be taking another hit.http://www.thestar.com.my/news/world/2017/...indias-kashmir/
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Avangelice	Feb 12 2017, 09:27 PM Show posts by this member only \| Post #227
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Ramjade @ Feb 12 2017, 09:25 PM) Avangelice, here you go. India will be taking another hit.http://www.thestar.com.my/news/world/2017/...indias-kashmir/ thank you again for this brother. I'll make sure I check the fund every forth nightly instead of mostly. don't wanna have a cardiac arrest when I find my 15% dwindled to 4% if a full scale war happens.
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David3700	Feb 12 2017, 09:27 PM Show posts by this member only \| Post #228
Regular Senior Member 1,055 posts Joined: Nov 2015	QUOTE(Ramjade @ Feb 12 2017, 09:12 PM) AIYH I think it's about demand, then you key in wrong value (higher price) so people willingly sell you their part. If you are having AIF, no need for Ponzi 2, Ponzi 1 Where's your developed market? I am betting on asia pac Considering changing AIF to Global titan... This post has been edited by David3700: Feb 12 2017, 09:30 PM
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puchongite	Feb 12 2017, 09:33 PM Show posts by this member only \| Post #229
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Ramjade @ Feb 12 2017, 09:25 PM) Avangelice, here you go. India will be taking another hit.http://www.thestar.com.my/news/world/2017/...indias-kashmir/ Based on past similar cases, when is the best time to top up ? And how long the dip will be ?
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Ramjade	Feb 12 2017, 09:38 PM Show posts by this member only \| Post #230
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(puchongite @ Feb 12 2017, 09:33 PM) Based on past similar cases, when is the best time to top up ? And how long the dip will be ? I have no idea. I guess it lasted 2-3days? forgot
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Avangelice	Feb 12 2017, 09:44 PM Show posts by this member only \| Post #231
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(puchongite @ Feb 12 2017, 09:33 PM) Based on past similar cases, when is the best time to top up ? And how long the dip will be ? QUOTE(Ramjade @ Feb 12 2017, 09:38 PM) I have no idea. I guess it lasted 2-3days? forgot the September small conflict caused a 2 to 3% dip (if my memory serves me right) that lasted over a weekend and boiled over to the following week. soon after it picked up. Ramjade was the one who notified me and I think it was a Thursday which is NAV update day most of the time.
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T231H	Feb 12 2017, 09:50 PM Show posts by this member only \| Post #232
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(Avangelice @ Feb 12 2017, 09:21 PM) if you are managing your wives portfolio I would suggest you have a 20 minute talk like what I did with mine. you need to get her to have a rough understand what is her risk appetite. ............. may I add on.... when there is a first chance, let her know when the mkts corrected/dips.....show her how much was "lost" ask her how she felt, see her emotion. let her know when the mkts on bull run (like recently) ask her how she felt, see her emotion. let her know, volatility is always there, what she made during the bull may disappeared soon too....if she cannot take it or shows adverse emotions till it affects the family atmosphere ....then just take the money out.
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Avangelice	Feb 12 2017, 09:52 PM Show posts by this member only \| Post #233
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(T231H @ Feb 12 2017, 09:50 PM) may I add on.... when there is a first chance, let her know when the mkts corrected/dips.....show her how much was "lost" ask her how she felt, see her emotion. let her know when the mkts on bull run (like recently) ask her how she felt, see her emotion. let her know, volatility is always there, what she made during the bull may disappeared soon too....if she cannot take it or shows adverse emotions till it affects the family atmosphere ....then just take the money out. that helps. I'll be sure to inform her of that but she already said if any lost I need to top up. lol so better just keep quiet hahaha
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xuzen	Feb 12 2017, 09:58 PM Show posts by this member only \| Post #234
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(Avangelice @ Feb 12 2017, 07:55 PM) Dividend Magic just wanna send you a shout out by saying how much I appreciate the hard work you put into your blog. Because of you and your blog I took the initiative to venture into stocks and stand on my principles not to chase returns but to invest long term. We are the same age and I must admit I wasted my youth chasing love and wasting money where I should have started off investing. This saddens me but at the same time I am now having a goal in my life. MYR 1000 at a time to hit my myr 100k mark by the time I hit 30 years old. then from there 200k then 300k. If you find the days like nobody appreciates your work just know that you have helped many silent readers like me. I owe you and Xuzen a debt of gratitude But many many thanks on your vote of confidence! This post has been edited by xuzen: Feb 12 2017, 10:12 PM
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xuzen	Feb 12 2017, 10:05 PM Show posts by this member only \| Post #235
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(Ramjade @ Feb 12 2017, 08:53 PM) Xuzen did say dividend suppose to down but unlike UT where the NAV will drop, in share the stock can increase. Dividend is given out from the company income. Decrease income = lower/no dividend. Both UTF NAV & Stock price do increase ex-dividend date, not just stock price alone. However, if one wants to really be nitpicking or hair splitting (hint hint Dasecret), dividend from stock is taken from the profit and not capital. If capital is used, then the term used should technically be called capital repayment, not called dividend. P/s waiting for auntie Dasecret to come and correct me or to give her dua sen worth of professional advise. For the uninitiated, auntie Dasecret is a chartered accountant On the other hand, distribution (UTF's jargon eqv to dividend for stock), can be taken from both income and capital. Xuzen This post has been edited by xuzen: Feb 12 2017, 10:17 PM
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Dividend Magic	Feb 12 2017, 10:10 PM Show posts by this member only \| Post #236
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(AIYH @ Feb 12 2017, 08:34 PM) Dividend Magic I do see you preach for dividend income investing as the principle of long term investment to generate income But, to my understanding, when a company declare dividend, its' share price fell, and if we did not reinvest the dividend, our capital in investment actually shrink. But if we reinvest the dividend back into it, then it makes minimal difference to those stocks which do not declare dividend, instead they spend their earning into capital growth (provided both non-dividend paying and dividend paying stock have the same capital gain percentage) Then what is the fundamental difference in focusing in dividend stocks vs growth stocks when we reinvest the dividend, it will be the same as growth stock which didn't declare dividend? p/s: asking this is because, whenever people understand about mutual funds, some companies focus on the distribution numbers and pay big dividend even though the fund is negatively performing (is it similar to companies who declare dividend even though they have negative earning for the year, but use previous years earning to pay). I believe that the distribution=performing misconception comes from their understanding from stocks investing when they think, it applies to stock, it applies to mutual funds as well, since, from what I understand, mutual funds distribution is meaningless and a marketing tactic to push down unit price QUOTE(AIYH @ Feb 12 2017, 09:01 PM) And what will the reason be? If on ex dividend date, which the share price suppose to drop by the amount of dividend declare, but the day itself, the share price rice, then it will see like the share price did not drop by the dividend amount proportionately. If that's the case, then mutual funds will have the same situation no? Or they have different tax treatment between stocks or mutual funds? or something else? But some company do declare dividend even they have they have negative earning for the year, if they use their previous years earning to pay for the dividend. Same for mutual funds no? It's kinda confusing for me but I think I get the gist of what you're trying to say. You're focused on the period of time when dividends are declared.. How about the other times, stock price will fluctuate. Whether or not a stock price will increase or decrease after a dividend is declared depends on the dividend declared. If the market expects a 3% yield from the stock, but it declared a higher dividend, of course the price will reflect the increase in dividends. Bear in mind this is just a very simple example. Basically, no one profits from timing for ex date etc.. the market will have already accounted for that. What I'm chasing for is the dividend growth in stocks. I'm holding stocks for the long term so actual capital gains is rare for me. I'm in it for the passive income (dividends) to help eventually pay for my lifestyle. If you're chasing capital gains, you'll actually have to realize and sell your shares to pay for your expenses. Hope I'm making it understandable As for the negative earning thing.. Mutual funds if they have negative cash flow, the only way they can declare dividends for you guys is to sell of their holdings. Or eat into their retained earnings I guess. Correct me if I'm wrong sifus.
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Dividend Magic	Feb 12 2017, 10:12 PM Show posts by this member only \| Post #237
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(puchongite @ Feb 12 2017, 09:01 PM) Just invest in one fund ponzi 2.0 also can get that return for 5 years. No need to do any reading. Hindsight is always 20-20. Very hard to argue there
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xuzen	Feb 12 2017, 10:33 PM Show posts by this member only \| Post #238
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(puchongite @ Feb 12 2017, 09:01 PM) Just invest in one fund ponzi 2.0 also can get that return for 5 years. No need to do any reading. We all are in this journey called Road to financial freedom or some called it Road to Comfortable Retirement. Some like to drive their own cars because they simply love to drive (DIY Stock investment) Some like to kick back relax and let someone else drive them in a chaffeured limosine to their destination in comfort. (Private Banker or Bank RM or Licensed Financial Planner) Some like to save money and and take a public bus or KTM Komuter to their destination. (DIY UTF low cost platform like FSM). Macam-macam ada... lu suka yang mana satu? Xuzen This post has been edited by xuzen: Feb 12 2017, 10:34 PM
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TSAIYH	Feb 12 2017, 10:34 PM Show posts by this member only \| Post #239
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Dividend Magic @ Feb 12 2017, 10:10 PM) It's kinda confusing for me but I think I get the gist of what you're trying to say. You're focused on the period of time when dividends are declared.. How about the other times, stock price will fluctuate. Whether or not a stock price will increase or decrease after a dividend is declared depends on the dividend declared. If the market expects a 3% yield from the stock, but it declared a higher dividend, of course the price will reflect the increase in dividends. Bear in mind this is just a very simple example. Basically, no one profits from timing for ex date etc.. the market will have already accounted for that. What I'm chasing for is the dividend growth in stocks. I'm holding stocks for the long term so actual capital gains is rare for me. I'm in it for the passive income (dividends) to help eventually pay for my lifestyle. If you're chasing capital gains, you'll actually have to realize and sell your shares to pay for your expenses. Hope I'm making it understandable As for the negative earning thing.. Mutual funds if they have negative cash flow, the only way they can declare dividends for you guys is to sell of their holdings. Or eat into their retained earnings I guess. Correct me if I'm wrong sifus. Prehaps I am not good in expressing myself, so I will try to make a simplistic example to express my question: Say we have 2k to invest, 1k in stock A and 1k in stock B Say Stock A is a dividend stock where they declare yearly dividend of 3%, and annual capital growth 10% Say Stock B is a growth stock and also annual capital growth 10% Assumed both have share price @ RM2 at the time you invest both at the same time If after one year, your value in stock A grow to RM 1100 and declare dividend, if you did not reinvest the dividend, you will have RM33 dividend received and your capital is left with same 500 shares @ RM 2.134 value RM 1067 Suppose you reinvest the dividend into it @ RM 2.134 and received 15.46 shares, you will have 515.46 shares @ RM 2.134 value RM 1100 Stock B, without dividend declare, enjoy yearly 10% capital growth every year, so 1st year will grow to rm 1100 as well Assume each year is having the same trend for simplistic purpose, wouldnt both stock have the same capital growth value if you opt for dividend reinvestment? Unless as you said, you take the dividend declare for living purpose, but if you did not reinvest the dividend, wouldnt your capital in the stock decrease every year after the dividend declared? And assume the dividend yield and capital growth remain the same, wouldnt your dividend received become less and less after each year? Unless I am confusing myself in something else, I am trying to understand more Because if one opt for dividend reinvestment, I cannot see the difference between dividend stock and growth stock in performance wise if they enjoy the same capital growth (unless what set them apart by their difference in fundamental that will caused them to grow differently? )
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xenon246	Feb 12 2017, 10:38 PM Show posts by this member only \| Post #240
Getting Started Junior Member 144 posts Joined: Aug 2012 From: Konohagakure	Dear sifus, How do you analyze which fund to invest in? (So many variables.....) sorry if stupid question, I have read and reread the FSM tutorial many times but each time got more question marks...
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Avangelice	Feb 12 2017, 10:40 PM Show posts by this member only \| Post #241
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(xenon246 @ Feb 12 2017, 10:38 PM) Dear sifus, How do you analyze which fund to invest in? (So many variables.....) sorry if stupid question, I have read and reread the FSM tutorial many times but each time got more question marks... when it doubt read previous version of fsm thread. you will see everyone of us has a different approach to investing. pick someone who's principles align with your own and stalk his or her portfolio. that's what I did. also go check fsm own recommended funds and its portfolio.
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TSAIYH	Feb 12 2017, 10:41 PM Show posts by this member only \| Post #242
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(xenon246 @ Feb 12 2017, 10:38 PM) Dear sifus, How do you analyze which fund to invest in? (So many variables.....) sorry if stupid question, I have read and reread the FSM tutorial many times but each time got more question marks... Prehaps you could share where do you stuck in analyzing? You could start with recommended funds and portfolio You could also use fund selector and chart center to pick funds based on their RRR within their asset class, region and sector You could also just tailgate xuzen or other sifu portfolio, subscribe to them for their kind public analysis
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xenon246	Feb 12 2017, 10:41 PM Show posts by this member only \| Post #243
Getting Started Junior Member 144 posts Joined: Aug 2012 From: Konohagakure	QUOTE(Avangelice @ Feb 12 2017, 10:40 PM) when it doubt read previous version of fsm thread. you will see everyone of us has a different approach to investing. pick someone who's principles align with your own and stalk his or her portfolio. that's what I did. also go check fsm own recommended funds and its portfolio. Thanks!
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Dividend Magic	Feb 12 2017, 10:47 PM Show posts by this member only \| Post #244
Casual Junior Member 376 posts Joined: Feb 2015	QUOTE(AIYH @ Feb 12 2017, 10:34 PM) Prehaps I am not good in expressing myself, so I will try to make a simplistic example to express my question: Say we have 2k to invest, 1k in stock A and 1k in stock B Say Stock A is a dividend stock where they declare yearly dividend of 3%, and annual capital growth 10% Say Stock B is a growth stock and also annual capital growth 10% Assumed both have share price @ RM2 at the time you invest both at the same time If after one year, your value in stock A grow to RM 1100 and declare dividend, if you did not reinvest the dividend, you will have RM33 dividend received and your capital is left with same 500 shares @ RM 2.134 value RM 1067 Suppose you reinvest the dividend into it @ RM 2.134 and received 15.46 shares, you will have 515.46 shares @ RM 2.134 value RM 1100 Stock B, without dividend declare, enjoy yearly 10% capital growth every year, so 1st year will grow to rm 1100 as well Assume each year is having the same trend for simplistic purpose, wouldn't both stock have the same capital growth value if you opt for dividend reinvestment? Unless as you said, you take the dividend declare for living purpose, but if you did not reinvest the dividend, wouldnt your capital in the stock decrease every year after the dividend declared? And assume the dividend yield and capital growth remain the same, wouldnt your dividend received become less and less after each year? Unless I am confusing myself in something else, I am trying to understand more Because if one opt for dividend reinvestment, I cannot see the difference between dividend stock and growth stock in performance wise if they enjoy the same capital growth (unless what set them apart by their difference in fundamental that will caused them to grow differently? ) Haha don't worry I almost always find it hard to express myself. Ok.. firstly, why does Stock A drop to RM1,067. 10% is still RM1,100. The total return stated there is clearly 13% compared to B's which is only 10% lol. My capital won't decrease. They don't take dividends out from your capital but from the company's earnings. I think that should clear it up haha. I will still own 500 shares after the dividend is declared. And if you tell me its a 10% increase in share price, it'll go up to RM1,100. Anyway I don't think you can compare stocks like that. A growth stock has higher growth potential and also much higher downside. Dividend stocks offer me stability as well as (hopefully) ever increasing dividends. This post has been edited by Dividend Magic: Feb 12 2017, 10:47 PM
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Dividend Magic	Feb 12 2017, 10:50 PM Show posts by this member only \| Post #245
Casual Junior Member 376 posts Joined: Feb 2015	Maybe this explanation from Investopedia will help. If Company A is trading at $20 a share and is about to offer a $1 dividend and you hurry to buy the stock before the ex-dividend date, you would receive the dividend and make an easy 5% return. In actuality, however, the company's stock price would decrease on the ex-dividend date by about the same amount of the dividend to eliminate this form of arbitrage. So, if you purchased stock before the ex-dividend date you would get the $1 cash dividend, but this would be offset by the simultaneous $1 drop in the stock price. Thus, buying a stock before a dividend is paid and selling after it is received has absolutely no value except a partial return of the capital invested in the stock in the first place. Read more: Why don't investors buy stock just before the dividend date and sell right afterwards? \| Investopedia http://www.investopedia.com/ask/answers/13...p#ixzz4YTzM1tQK Follow us: Investopedia on Facebook
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TSAIYH	Feb 12 2017, 11:06 PM Show posts by this member only \| Post #246
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Dividend Magic @ Feb 12 2017, 10:47 PM) Haha don't worry I almost always find it hard to express myself. Ok.. firstly, why does Stock A drop to RM1,067. 10% is still RM1,100. The total return stated there is clearly 13% compared to B's which is only 10% lol. My capital won't decrease. They don't take dividends out from your capital but from the company's earnings. I think that should clear it up haha. I will still own 500 shares after the dividend is declared. And if you tell me its a 10% increase in share price, it'll go up to RM1,100. Anyway I don't think you can compare stocks like that. A growth stock has higher growth potential and also much higher downside. Dividend stocks offer me stability as well as (hopefully) ever increasing dividends. QUOTE(Dividend Magic @ Feb 12 2017, 10:50 PM) Maybe this explanation from Investopedia will help. If Company A is trading at $20 a share and is about to offer a $1 dividend and you hurry to buy the stock before the ex-dividend date, you would receive the dividend and make an easy 5% return. In actuality, however, the company's stock price would decrease on the ex-dividend date by about the same amount of the dividend to eliminate this form of arbitrage. So, if you purchased stock before the ex-dividend date you would get the $1 cash dividend, but this would be offset by the simultaneous $1 drop in the stock price. Thus, buying a stock before a dividend is paid and selling after it is received has absolutely no value except a partial return of the capital invested in the stock in the first place. Read more: Why don't investors buy stock just before the dividend date and sell right afterwards? \| Investopedia http://www.investopedia.com/ask/answers/13...p#ixzz4YTzM1tQK Follow us: Investopedia on Facebook Erm, the bold statement means if you hold 500 shares, and before dividend, share price @ RM1.1, they declare 3% dividend (3 sen), the share price drop 3% (RM 1.07), assume you do not reinvest the dividend and you still hold the same amount of shares, wouldn't your share value now @ 500 shares * RM1.07 compared to if they didnt declare the dividend the share price will remain @ RM 1.1? And if that happens every year where you use the dividend as your income to support your living instead of reinvesting, would the capital be less than if you reinvest and the gap will get wider as it goes by? Or did I understand it wrongly?
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skynode	Feb 12 2017, 11:39 PM Show posts by this member only \| Post #247
Getting Started Junior Member 175 posts Joined: Dec 2007	QUOTE(xenon246 @ Feb 12 2017, 10:38 PM) Dear sifus, How do you analyze which fund to invest in? (So many variables.....) sorry if stupid question, I have read and reread the FSM tutorial many times but each time got more question marks... I ain't expert but I'm emulating FSM recommended Aggressive portfolio. Not the entire portfolio though. Swapped a couple of funds according to my belief and risk appetite. Ultimately, no one knows what would happen in the future. No point timing the market. Just stay invested and top up regularly with value-cost averaging. Buy at a discount whenever possible. This is what I believe in. This post has been edited by skynode: Feb 12 2017, 11:40 PM
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Avangelice	Feb 12 2017, 11:43 PM Show posts by this member only \| IPv6 \| Post #248
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(skynode @ Feb 12 2017, 11:39 PM) I ain't expert but I'm emulating FSM recommended Aggressive portfolio. Not the entire portfolio though. Swapped a couple of funds according to my belief and risk appetite. Ultimately, no one knows what would happen in the future. No point timing the market. Just stay invested and top up regularly with value-cost averaging. Buy at a discount whenever possible. This is what I believe in. here's my top pick based on their geographical location and my risk appetite. FSM FundsFunds Affin Hwang Select Bond....(20%) RHB Asian Income Fund. ...(10%) CIMB-P Asia Pac Dynamic ....(15%) Eastspring Emerging Market...(10%) CIMB-P Greater China Equity ..(10%) Manulife US equity fund (10%) Manulife India.........(10%) AmAsia REITs .... (10 %) TA Global Technology Fund...(5%)
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contestchris	Feb 12 2017, 11:58 PM Show posts by this member only \| Post #249
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(AIYH @ Feb 12 2017, 11:06 PM) Erm, the bold statement means if you hold 500 shares, and before dividend, share price @ RM1.1, they declare 3% dividend (3 sen), the share price drop 3% (RM 1.07), assume you do not reinvest the dividend and you still hold the same amount of shares, wouldn't your share value now @ 500 shares * RM1.07 compared to if they didnt declare the dividend the share price will remain @ RM 1.1? And if that happens every year where you use the dividend as your income to support your living instead of reinvesting, would the capital be less than if you reinvest and the gap will get wider as it goes by? Or did I understand it wrongly? The share price usually picks back up, it's just on the ex-date it decreases by the dividend amount to eliminate arbitrage. Also, you can't reinvest the dividends into new stocks just like that lah. Stocks have a finite amount, not like Unit Trust where each unit is "imaginary" and the fund will create new units arbitrarily. On top of that stocks have to be bought in lots of 100...so if share price is RM1, with RM33 dividend you won't get a single lot.
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2387581	Feb 13 2017, 12:23 AM Show posts by this member only \| IPv6 \| Post #250
Enthusiast Senior Member 755 posts Joined: Dec 2016	Since there's an ongoing discussion on stock, I have another question I want to ask: Does the stock price in any way represents a company's total asset? ie. Amount of stocks held by all investors multiplied by the stock price = company's total asset? I have more question to follow but before that I need to clear this doubt. For me I think the stock price can be in no way represents the company's total asset, henceforth when the share price increases (stock holders' capital gain on paper), it does not necessarily means the company actually worth that much. I seem to confuse myself. Let me rephrase. I use an example below: At IPO, Company A offers 10,000,000 shares at RM1 per share. The company raises RM10,000,000 Then the shares are being traded in the market for whatever price based on investor's sentiment, at a certain time, it is being traded at RM2 per share. But the company does not raise more money beyond the initial RM10,000,000 raised because the share is being traded at Bursa at a price more than the IPO price right? Is there a mechanism to correct this situation? That brings me to my next question: So the company made profit over time, then the capital raised from the IPO is safe at the company's keep. Then there's two stack of money: capital and profit. The company will take some money from the stack of profit and distribute it to the investor, and leave some as cash to facilitate/expand the company's operation. So why would the share price drop when a dividend is distributed? Is there any company which don't distribute dividend? The investor's 'capital gain' is when he sells the share to someone else at a current price above he bought it. As the price can fluctuate over time, he can gain from the dividend payout AND also selling the share at a premium. I don't know what I am asking anymore. If someone able to understand what I mean I would be grateful to also have the answers to my concerns above. This post has been edited by 2387581: Feb 13 2017, 12:28 AM
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contestchris	Feb 13 2017, 12:56 AM Show posts by this member only \| Post #251
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(2387581 @ Feb 13 2017, 12:23 AM) Since there's an ongoing discussion on stock, I have another question I want to ask: Does the stock price in any way represents a company's total asset? ie. Amount of stocks held by all investors multiplied by the stock price = company's total asset? I have more question to follow but before that I need to clear this doubt. For me I think the stock price can be in no way represents the company's total asset, henceforth when the share price increases (stock holders' capital gain on paper), it does not necessarily means the company actually worth that much. I seem to confuse myself. Let me rephrase. I use an example below: At IPO, Company A offers 10,000,000 shares at RM1 per share. The company raises RM10,000,000 Then the shares are being traded in the market for whatever price based on investor's sentiment, at a certain time, it is being traded at RM2 per share. But the company does not raise more money beyond the initial RM10,000,000 raised because the share is being traded at Bursa at a price more than the IPO price right? This is something that bugged me too. By right, a company shouldn't bother about its stock price/performance after it already raised the IPO right? So why do they bother? Based on my research, these are some of the reasons: 1) A large percentage of the stock is sometimes held by the company's treasury or subsidiaries 2) A large percentage of the stock is sometimes held by senior managemenet - therefore, management has the incentive to ensure the stock performs well so that they have a high net worth 3) The market capitalization (total stocks outstanding x price per share) of a company does give it access to higher loans from banks 4) If a stock is undervalued relative to the intrinsic (i.e. fair) value of the company, the company can be subject to a hostile takeover attempt Amount of stocks held by all investors multiplied by the stock price = the market capitalization of the stock. This is just an "imaginary value" and doesn't actually mean much since obviously the more the number of shares liquidated, the lower the share price will be. It definitely doesn't mean that the company is worth that much. PS: Try to talk about this in the stock sub-forum, not this thread This post has been edited by contestchris: Feb 13 2017, 12:56 AM
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wodenus	Feb 13 2017, 01:07 AM Show posts by this member only \| Post #252
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(Dividend Magic @ Feb 12 2017, 06:20 PM) I'm 28 this year bro. Or did u mean how old is my fund. Haha I seriously doubt that a mutual fund would out perform me in the very long term. In 80 years' time, the mutual fund might still be operating. I'm sure I won't be here, and reasonably sure you won't.. but the fund probably will. People will retire, other people will take over, the fund continues. But if you trade for yourself, once you aren't there to maintain the fund, that's the end of it.. unless one of your descendants wants to (and is good enough) to take over. This post has been edited by wodenus: Feb 13 2017, 01:08 AM
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prince_mk	Feb 13 2017, 07:33 AM Show posts by this member only \| Post #253
Look at all my stars!! Senior Member 2,679 posts Joined: Oct 2014	My portfolio consisting of 50% KGF. Shall I trim now as the price went up alot ?
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Ramjade	Feb 13 2017, 07:46 AM Show posts by this member only \| Post #254
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(xenon246 @ Feb 12 2017, 10:38 PM) Dear sifus, How do you analyze which fund to invest in? (So many variables.....) sorry if stupid question, I have read and reread the FSM tutorial many times but each time got more question marks... You look at the following: (i) can it beat the benchmark? (over min 3 years period) - If yes why? Is the fund good or because of exchange rate? (ii) compare it with it's peers (other funds which invest in the same region) - Did it beat them? (over min 3 years period) - If no, better pick the winning team (iii) Choose returns/stability This post has been edited by Ramjade: Feb 13 2017, 07:47 AM
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Avangelice	Feb 13 2017, 08:09 AM Show posts by this member only \| IPv6 \| Post #255
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(prince_mk @ Feb 13 2017, 07:33 AM) My portfolio consisting of 50% KGF. Shall I trim now as the price went up alot ? yes you should. 50% is way too high for an allocation to any fund.
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T231H	Feb 13 2017, 08:29 AM Show posts by this member only \| Post #256
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(prince_mk @ Feb 13 2017, 07:33 AM) My portfolio consisting of 50% KGF. Shall I trim now as the price went up alot ? when you constructed that portfolio with 50% KGF, what is the objective? why go 50% KGF? isn't now the results of your portfolio favourable to you?, isn't now is what you had hoped for? what is the other 50%? if you sell now, where do you want that money to go? if you still want to hold 50% KGF, you can take the excess out to buy a valentine gift or move to a CMF on the relativity note: KGF had just gone up abt 5% this last 6 months, which would be 2.5% of your portfolio increase...so now, there is just 52.5% of KGF in yr portfolio (simple maths calculation only) just 2.5% increase niah..not much wor...if you have the heart for 50% in KGF, I am sure there are rooms to take in another 10% or more. else, you can try this.... Basic Steps To Construct An Investment Portfolio (very old article...just get the general idea) https://www.fundsupermart.com.my/main/resea...-Nov-2011--1753 The Importance of Rebalancing A Portfolio https://www.fundsupermart.com.my/main/resea...-Portfolio-5374 The Nature of the Game – Rebalancing https://www.fundsupermart.com.my/main/resea...ebalancing-4232 Clearing Your Doubts On Rebalancing https://www.fundsupermart.com.my/main/resea...ebalancing-1980 As The Year Comes To A Close, Consider Rebalancing https://www.fundsupermart.com.my/main/resea...Rebalancing-842 btw, there is nothing seriously wrong with holding 50% or 100% of a fund in a portfolio.....as long as 1 is happy with it...... but I would personally advocate a more diversified portfolio.....well maybe it is my age, the amount invested, the knowledge, faith and the chicken in me This post has been edited by T231H: Feb 13 2017, 09:05 AM
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puchongite	Feb 13 2017, 09:07 AM Show posts by this member only \| Post #257
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(prince_mk @ Feb 13 2017, 07:33 AM) My portfolio consisting of 50% KGF. Shall I trim now as the price went up alot ? It is a bit strange to me that when it not performing you are not doing anything about it but when doing better you want to trim it.
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Showtime747	Feb 13 2017, 09:12 AM Show posts by this member only \| Post #258
Look at all my stars!! Senior Member 4,258 posts Joined: Nov 2012	I can see a few of the young chaps here congratulating each other on their "performance" for the past few years. If you look at the KLCI, the last it dip below 1600 was like 2012. You guys haven't seen what is a market crash...yet I hope you guys acknowledge that you are fortunate to start at the good times. And don't assume the stable market will continue forever. Always be alert. Making money, especially from stock market, is never easy !
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Avangelice	Feb 13 2017, 09:17 AM Show posts by this member only \| Post #259
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Showtime747 @ Feb 13 2017, 09:12 AM) I can see a few of the young chaps here congratulating each other on their "performance" for the past few years. If you look at the KLCI, the last it dip below 1600 was like 2012. You guys haven't seen what is a market crash...yet I hope you guys acknowledge that you are fortunate to start at the good times. And don't assume the stable market will continue forever. Always be alert. Making money, especially from stock market, is never easy ! +1. the way I see it, it is good that some of the younger generation are taking charge of their investment vehicles as compared to their ilk who spend unnecessarily in the malls and hipster cafes. as long as they know the risk they are taking and not crash and burn. also a marker crash is a blessing in my honest opinion, its one giant reset button. think of it as the hunger games. you weed out the weak and the greedy.
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T231H	Feb 13 2017, 09:21 AM Show posts by this member only \| Post #260
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(puchongite @ Feb 13 2017, 09:07 AM) It is a bit strange to me that when it not performing you are not doing anything about it but when doing better you want to trim it. this may not be him... but there are some that first got into so much faith in KGF due to its past performance and good recommendations bought it with full beliefs that it is a sure make money fund. but after having got it, the performance stayed flat, not up to historical expectation, the buyers felt dismayed, despaired at time felt cheated....what to do at that situation, no more faith to buy more again, cannot sell (for will be considered 100% lost)...just hold on with hope that it will recovers. Now that KGF had recovered it losses or portfolio IRR had beaten FD rate.....some would just want to sell it off due to the "BAD experience" they had had. have seen that for India and China funds during the last 3 years....
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vincabby	Feb 13 2017, 09:34 AM Show posts by this member only \| IPv6 \| Post #261
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(T231H @ Feb 13 2017, 09:21 AM) this may not be him... but there are some that first got into so much faith in KGF due to its past performance and good recommendations bought it with full beliefs that it is a sure make money fund. but after having got it, the performance stayed flat, not up to historical expectation, the buyers felt dismayed, despaired at time felt cheated....what to do at that situation, no more faith to buy more again, cannot sell (for will be considered 100% lost)...just hold on with hope that it will recovers. Now that KGF had recovered it losses or portfolio IRR had beaten FD rate.....some would just want to sell it off due to the "BAD experience" they had had. have seen that for India and China funds during the last 3 years.... regardless, it still is very risky to just go into one fund though.
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T231H	Feb 13 2017, 09:45 AM Show posts by this member only \| Post #262
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(vincabby @ Feb 13 2017, 09:34 AM) regardless, it still is very risky to just go into one fund though. yes,.... but "maybe" he is getting that 50:50 based on this..with the hope that past performance may repeats.....for it had for the past 1,2,3,5,10 years beaten EPF This post has been edited by T231H: Feb 13 2017, 09:46 AM Attached thumbnail(s)
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vincabby	Feb 13 2017, 09:55 AM Show posts by this member only \| IPv6 \| Post #263
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(prince_mk @ Feb 13 2017, 07:33 AM) My portfolio consisting of 50% KGF. Shall I trim now as the price went up alot ? if you are making returns, skim it. as avangelice says, too high allocation percentage.
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xuzen	Feb 13 2017, 10:12 AM Show posts by this member only \| Post #264
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(Avangelice @ Feb 13 2017, 08:09 AM) yes you should. 50% is way too high for an allocation to any fund. People, It is not advantageous to friend Prince_mk for you to say this or that before determining some facts from him. For example: Friend Prince_mk, how much is this portion of investment relative to your overall networth? If it is like huge, then you are exposed to Concentration Risk, to be specific: Single country concentration risk. This is an disadvantageous long position. If this portion of investment is like a small (for play) type of investment, then even if 100% also never mind .... LAH! What is the other 50% of this portfolio consist of? Is this position part of your KWSP-MIS or PRS Kenanga One PRS Growth fund? Xuzen This post has been edited by xuzen: Feb 13 2017, 10:15 AM
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SUSwankongyew	Feb 13 2017, 10:15 AM Show posts by this member only \| Post #265
Regular Senior Member 1,177 posts Joined: Nov 2007	QUOTE(contestchris @ Feb 13 2017, 12:56 AM) This is something that bugged me too. By right, a company shouldn't bother about its stock price/performance after it already raised the IPO right? So why do they bother? Based on my research, these are some of the reasons: 1) A large percentage of the stock is sometimes held by the company's treasury or subsidiaries 2) A large percentage of the stock is sometimes held by senior managemenet - therefore, management has the incentive to ensure the stock performs well so that they have a high net worth 3) The market capitalization (total stocks outstanding x price per share) of a company does give it access to higher loans from banks 4) If a stock is undervalued relative to the intrinsic (i.e. fair) value of the company, the company can be subject to a hostile takeover attempt Amount of stocks held by all investors multiplied by the stock price = the market capitalization of the stock. This is just an "imaginary value" and doesn't actually mean much since obviously the more the number of shares liquidated, the lower the share price will be. It definitely doesn't mean that the company is worth that much. PS: Try to talk about this in the stock sub-forum, not this thread A simple answer would be a company should care about its stock price because its investors care and if the investors are unhappy, they will kick the management out and hire a new team.
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xuzen	Feb 13 2017, 10:27 AM Show posts by this member only \| Post #266
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(xenon246 @ Feb 12 2017, 10:38 PM) Dear sifus, How do you analyze which fund to invest in? (So many variables.....) sorry if stupid question, I have read and reread the FSM tutorial many times but each time got more question marks... Where got so many variables? Only need to know the following parameters only, that is: Return of Investment (1), Standard Deviation of Mean (2), Correlation Coefficient ratio (3), Forward Price earning ratio of benchmark (4), Four variables only .... mah! Xuzen
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dasecret	Feb 13 2017, 10:56 AM Show posts by this member only \| Post #267
Regular Senior Member 1,498 posts Joined: Nov 2012	QUOTE(xuzen @ Feb 12 2017, 10:05 PM) Both UTF NAV & Stock price do increase ex-dividend date, not just stock price alone. However, if one wants to really be nitpicking or hair splitting (hint hint Dasecret), dividend from stock is taken from the profit and not capital. If capital is used, then the term used should technically be called capital repayment, not called dividend. P/s waiting for auntie Dasecret to come and correct me or to give her dua sen worth of professional advise. For the uninitiated, auntie Dasecret is a chartered accountant On the other hand, distribution (UTF's jargon eqv to dividend for stock), can be taken from both income and capital. Xuzen why tag me pulak... not sure what I can contribute on this Anyway, dividends can only be declared when there's distributable reserves, usually derived from profits from operation, be it this year or previous's. With the new company's bill effective last month, directors are now required to make a solvency assessment before they declare dividends to make sure that dividends would not have an adverse impact to the cashflow position of the entity capital repayment is quite rare for ordinary shareholders, so I'm not familiar with its requirements or uses.
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xuzen	Feb 13 2017, 11:17 AM Show posts by this member only \| Post #268
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(dasecret @ Feb 13 2017, 10:56 AM) why tag me pulak... not sure what I can contribute on this Anyway, dividends can only be declared when there's distributable reserves, usually derived from profits from operation, be it this year or previous's. With the new company's bill effective last month, directors are now required to make a solvency assessment before they declare dividends to make sure that dividends would not have an adverse impact to the cashflow position of the entity capital repayment is quite rare for ordinary shareholders, so I'm not familiar with its requirements or uses. Because auntie is a chartered accountant mah! Your words carry more kilograms than mere peasants like the rest of us. See above, reply also sound so canggih wan!
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puchongite	Feb 13 2017, 11:54 AM Show posts by this member only \| Post #269
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Avangelice @ Feb 12 2017, 09:44 PM) the September small conflict caused a 2 to 3% dip (if my memory serves me right) that lasted over a weekend and boiled over to the following week. soon after it picked up. Ramjade was the one who notified me and I think it was a Thursday which is NAV update day most of the time. India as of this morning is going green. It seems the market does not even bother with the unrest. No chance to use the top up ! LOL.
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Avangelice	Feb 13 2017, 11:58 AM Show posts by this member only \| Post #270
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(puchongite @ Feb 13 2017, 11:54 AM) India as of this morning is going green. It seems the market does not even bother with the unrest. No chance to use the top up ! LOL. lol not focusing in my unit trust portfolio as I am now giving attention to my stock portfolio
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prince_mk	Feb 13 2017, 01:04 PM Show posts by this member only \| Post #271
Look at all my stars!! Senior Member 2,679 posts Joined: Oct 2014	QUOTE(puchongite @ Feb 13 2017, 09:07 AM) It is a bit strange to me that when it not performing you are not doing anything about it but when doing better you want to trim it. All sifus, It was 50% coz I withdrew 2x ard 25k each time using epf monies and put in KGF. Starting last year I withdrew epf monies and put in Titan. Now when the fund is up, I thinking to let go but not sure where to put except in Titan. Any advise.
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Avangelice	Feb 13 2017, 01:16 PM Show posts by this member only \| Post #272
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(prince_mk @ Feb 13 2017, 01:04 PM) All sifus, It was 50% coz I withdrew 2x ard 25k each time using epf monies and put in KGF. Starting last year I withdrew epf monies and put in Titan. Now when the fund is up, I thinking to let go but not sure where to put except in Titan. Any advise. my personal opinion, leave the money there in KGF since you are already invested especially when the funds are from your epf. start saving up and building your diversified portfolio from ground up with the money you make. Hope this clears your dilemma.
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xuzen	Feb 13 2017, 02:21 PM Show posts by this member only \| Post #273
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(prince_mk @ Feb 13 2017, 01:04 PM) All sifus, It was 50% coz I withdrew 2x ard 25k each time using epf monies and put in KGF. Starting last year I withdrew epf monies and put in Titan. Now when the fund is up, I thinking to let go but not sure where to put except in Titan. Any advise. Consider this thus, if you withdraw from KGF from your KWSP-MIS, it goes back to KWSP first. Then if you withdraw again from there to another UTMC, you will be levied another round of sales charge. Not a smart move! This is what I have highlighted before and that is for KWSP - MIS participation, Kenanga is a poor option because amongst it KWSP-MIS approved UTF, only KGF is worthy of investment and not the other. As such Kenanga is a one trick pony and that is why I am reluctant to participate in it, even though KGF is a good fund. Sometimes we have to see in totality and not myopically. Best option, stick with KGF. For fresh fund consider eastspring, AHAM, CIMB or RHB because they have greater options. Like a buffet dinner, macam-macam ada. Xuzen p/s My personal preference is Eastspring because it has a good mix of equity, balanced and fixed income fund available to KWSP-MIS participants. This post has been edited by xuzen: Feb 13 2017, 02:24 PM
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Ramjade	Feb 13 2017, 02:26 PM Show posts by this member only \| Post #274
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(xuzen @ Feb 13 2017, 02:21 PM) Consider this thus, if you withdraw from KGF from your KWSP-MIS, it goes back to KWSP first. Then if you withdraw again from there to another UTMC, you will be levied another round of sales charge. Not a smart move! This is what I have highlighted before and that is for KWSP - MIS participation, Kenanga is a poor option because amongst it KWSP-MIS approved UTF, only KGF is worthy of investment and not the other. As such Kenanga is a one trick pony and that is why I am reluctant to participate in it, even though KGF is a good fund. Sometimes we have to see in totality and not myopically. Best option, stick with KGF. For fresh fund consider eastspring, AHAM, CIMB or RHB because they have greater options. Like a buffet dinner, macam-macam ada. Xuzen p/s My personal preference is Eastspring because it has a good mix of equity, balanced and fixed income fund available to KWSP-MIS participants. I thought now EPF let us choose foreign funds?
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xenon246	Feb 13 2017, 02:27 PM Show posts by this member only \| Post #275
Getting Started Junior Member 144 posts Joined: Aug 2012 From: Konohagakure	QUOTE(AIYH @ Feb 12 2017, 10:41 PM) Prehaps you could share where do you stuck in analyzing? You could start with recommended funds and portfolio You could also use fund selector and chart center to pick funds based on their RRR within their asset class, region and sector You could also just tailgate xuzen or other sifu portfolio, subscribe to them for their kind public analysis Sounds good, I like to analyse myself , I have already been through spoonfed education system, don't want to be spoonfed personal finance..( well spoonfeed a bit also can la, but too much hand holding--> dependent on others). Thanks ya! QUOTE(skynode @ Feb 12 2017, 11:39 PM) I ain't expert but I'm emulating FSM recommended Aggressive portfolio. Not the entire portfolio though. Swapped a couple of funds according to my belief and risk appetite. Ultimately, no one knows what would happen in the future. No point timing the market. Just stay invested and top up regularly with value-cost averaging. Buy at a discount whenever possible. This is what I believe in. QUOTE(Ramjade @ Feb 13 2017, 07:46 AM) You look at the following: (i) can it beat the benchmark? (over min 3 years period) - If yes why? Is the fund good or because of exchange rate? (ii) compare it with it's peers (other funds which invest in the same region) - Did it beat them? (over min 3 years period) - If no, better pick the winning team (iii) Choose returns/stability Good questions! Thanks ya! QUOTE(xuzen @ Feb 13 2017, 10:27 AM) Where got so many variables? Only need to know the following parameters only, that is: Return of Investment (1), Standard Deviation of Mean (2), Correlation Coefficient ratio (3), Forward Price earning ratio of benchmark (4), Four variables only .... mah! Xuzen Ugh I though need to look at the fund manager etc etc went through the whole prospectus also Back to the drawingboard for me then.. Thanks!
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Avangelice	Feb 13 2017, 02:29 PM Show posts by this member only \| Post #276
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(xenon246 @ Feb 13 2017, 02:27 PM) Sounds good, I like to analyse myself , I have already been through spoonfed education system, don't want to be spoonfed personal finance..( well spoonfeed a bit also can la, but too much hand holding--> dependent on others). Thanks ya! :thumbsup: Good questions! Thanks ya! Ugh I though need to look at the fund manager etc etc went through the whole prospectus also Back to the drawingboard for me then.. Thanks! yes some fund managers are super cute. hi esther!
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Nom-el	Feb 13 2017, 03:04 PM Show posts by this member only \| IPv6 \| Post #277
On my way Junior Member 507 posts Joined: Jun 2015	QUOTE(AIYH @ Feb 12 2017, 10:34 PM) Prehaps I am not good in expressing myself, so I will try to make a simplistic example to express my question: Say we have 2k to invest, 1k in stock A and 1k in stock B Say Stock A is a dividend stock where they declare yearly dividend of 3%, and annual capital growth 10% Say Stock B is a growth stock and also annual capital growth 10% Assumed both have share price @ RM2 at the time you invest both at the same time If after one year, your value in stock A grow to RM 1100 and declare dividend, if you did not reinvest the dividend, you will have RM33 dividend received and your capital is left with same 500 shares @ RM 2.134 value RM 1067 Suppose you reinvest the dividend into it @ RM 2.134 and received 15.46 shares, you will have 515.46 shares @ RM 2.134 value RM 1100 Stock B, without dividend declare, enjoy yearly 10% capital growth every year, so 1st year will grow to rm 1100 as well Assume each year is having the same trend for simplistic purpose, wouldnt both stock have the same capital growth value if you opt for dividend reinvestment? Unless as you said, you take the dividend declare for living purpose, but if you did not reinvest the dividend, wouldnt your capital in the stock decrease every year after the dividend declared? And assume the dividend yield and capital growth remain the same, wouldnt your dividend received become less and less after each year? Unless I am confusing myself in something else, I am trying to understand more Because if one opt for dividend reinvestment, I cannot see the difference between dividend stock and growth stock in performance wise if they enjoy the same capital growth (unless what set them apart by their difference in fundamental that will caused them to grow differently? ) QUOTE(AIYH @ Feb 12 2017, 11:06 PM) Erm, the bold statement means if you hold 500 shares, and before dividend, share price @ RM1.1, they declare 3% dividend (3 sen), the share price drop 3% (RM 1.07), assume you do not reinvest the dividend and you still hold the same amount of shares, wouldn't your share value now @ 500 shares * RM1.07 compared to if they didnt declare the dividend the share price will remain @ RM 1.1? And if that happens every year where you use the dividend as your income to support your living instead of reinvesting, would the capital be less than if you reinvest and the gap will get wider as it goes by? Or did I understand it wrongly? You made some pretty good points. That got me thinking too. By paying the dividend to the shareholders as cash instead of reinvesting them, the effect of compounding would be reduced. Would that not be worse especially for long-term investment? Even if one were to reinvest that dividend by buying from the stock exchange, one would incur the brokerage charges etc. Of course some stocks offer dividend reinvestment scheme (DRS) where there is no charge for reinvesting the dividend (even then, usually not the whole amount can be reinvested due to the minimum units requirement (1 lot = 100 units). I would like to understand more on this too.
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puchongite	Feb 13 2017, 03:19 PM Show posts by this member only \| Post #278
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Nom-el @ Feb 13 2017, 03:04 PM) You made some pretty good points. That got me thinking too. By paying the dividend to the shareholders as cash instead of reinvesting them, the effect of compounding would be reduced. Would that not be worse especially for long-term investment? Even if one were to reinvest that dividend by buying from the stock exchange, one would incur the brokerage charges etc. Of course some stocks offer dividend reinvestment scheme (DRS) where there is no charge for reinvesting the dividend (even then, usually not the whole amount can be reinvested due to the minimum units requirement (1 lot = 100 units). I would like to understand more on this too. My view is that, the effect of stocks with dividend is difficult to express precisely using maths, as there is a component of psychology involved. Say there are a bunch of investors who are enticed by stock with dividend, to them stocks with higher dividend mean more successful stocks with greater revenue, and thus giving them greater motivation to invest into such stocks. That being the case, stocks which give out more dividend will have higher upside. Is this effect really quantifiable ? This post has been edited by puchongite: Feb 13 2017, 03:23 PM
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phoenix24	Feb 13 2017, 03:21 PM Show posts by this member only \| Post #279
Getting Started Junior Member 183 posts Joined: Jan 2013	Hi guys, I am new to unit trust investment. I plan to submit my account opening form at fsm by probably end of this month / 1st of next month. I have RM24,000 to spare and here's my portfolio affin hwang select bond fund - 40% ponzi 2.0 - 25% AMasia REITS - 15% RHB Asian Income Fund - 20% Any suggestion on improvement for what my portfolio is lacking?
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Avangelice	Feb 13 2017, 03:31 PM Show posts by this member only \| Post #280
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(phoenix24 @ Feb 13 2017, 03:21 PM) Hi guys, I am new to unit trust investment. I plan to submit my account opening form at fsm by probably end of this month / 1st of next month. I have RM24,000 to spare and here's my portfolio affin hwang select bond fund - 40% ponzi 2.0 - 25% AMasia REITS - 15% RHB Asian Income Fund - 20% Any suggestion on improvement for what my portfolio is lacking? very Asian centric portfolio. almost all four funds target Asia ex Japan. if Asian stocks go down your entire portfolio will follow suit. if this is your intended purpose to ride the Asian wave then go for it. if you want to take advantage of a wide geographical region. remove rhb Asian income and split it to Manulife US and Manulife India.
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Ramjade	Feb 13 2017, 03:31 PM Show posts by this member only \| Post #281
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(phoenix24 @ Feb 13 2017, 03:21 PM) Hi guys, I am new to unit trust investment. I plan to submit my account opening form at fsm by probably end of this month / 1st of next month. I have RM24,000 to spare and here's my portfolio affin hwang select bond fund - 40% ponzi 2.0 - 25% AMasia REITS - 15% RHB Asian Income Fund - 20% Any suggestion on improvement for what my portfolio is lacking? Ya. Where's your developed market? Also pick either Ponzi 2 or RHB Asian Income Fund
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Avangelice	Feb 13 2017, 03:40 PM Show posts by this member only \| Post #282
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Ramjade @ Feb 13 2017, 03:31 PM) Ya. Where's your developed market? Also pick either Ponzi 2 or RHB Asian Income Fund I think some of us are partly to be blamed for the onslaught of new members concentrating their entire portfolio into Asia ex Japan as we hardly talk about developed countries like US or Japan. I noticed the influx of new members with very Asian centric ports. its worrisome that the stuff we post here makes a huge impact
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TSAIYH	Feb 13 2017, 03:43 PM Show posts by this member only \| Post #283
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Avangelice @ Feb 13 2017, 03:40 PM) I think some of us are partly to be blamed for the onslaught of new members concentrating their entire portfolio into Asia ex Japan as we hardly talk about developed countries like US or Japan. I noticed the influx of new members with very Asian centric ports. its worrisome that the stuff we post here makes a huge impact Because they dont have sexy names like ponzi, or sexy fund managers like esther or selina or sook yee
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vincabby	Feb 13 2017, 03:45 PM Show posts by this member only \| IPv6 \| Post #284
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(Avangelice @ Feb 13 2017, 03:40 PM) I think some of us are partly to be blamed for the onslaught of new members concentrating their entire portfolio into Asia ex Japan as we hardly talk about developed countries like US or Japan. I noticed the influx of new members with very Asian centric ports. its worrisome that the stuff we post here makes a huge impact sure la we trash trump and the world going into recession, who wanna buy? ironic is we each are holding global holdings though we trash talk them to no end.
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T231H	Feb 13 2017, 04:40 PM Show posts by this member only \| Post #285
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(Avangelice @ Feb 13 2017, 03:40 PM) I think some of us are partly to be blamed for the onslaught of new members concentrating their entire portfolio into Asia ex Japan as we hardly talk about developed countries like US or Japan. I noticed the influx of new members with very Asian centric ports. its worrisome that the stuff we post here makes a huge impact I think the main culprit is FSM.... they have been saying 5 Stars Rating for Asia Pac https://www.fundsupermart.com.my/main/resea...tarRatings.svdo Asian Equities to Offer A 40% Potential Upside by End-2018 November 4, 2016 https://www.fundsupermart.com.my/main/resea...y-End-2018-7660 I am guilty too. Attached thumbnail(s)
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Avangelice	Feb 13 2017, 04:56 PM Show posts by this member only \| Post #286
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	Malaysia among countries that could be Trump’s next trade war targets Screener Malaysia among countries that could be Trump’s next trade war targets TheEdge Mon, Feb 13, 2017 (Feb 13): Malaysia, India, Indonesia and Vietnam have largely escaped US President Donald Trump’s glare on trade, but he may yet come looking. The US runs trade deficits with all of them, in some cases quite big ones. Trump’s exit from the 12-nation Trans-Pacific Partnership, his attacks on the trade policies of Japan, China and South Korea, and a Republican push for tax reforms that would impose a levy on US imports from all countries are contributing to concerns that a protectionist era will hurt growth. Countries that the US runs trade deficits with may be particularly vulnerable to attack. Peter Navarro, the head of Trump’s National Trade Council, and Commerce Secretary-nominee Wilbur Ross last year wrote a paper where they pinpointed America’s trade gaps as a cause for what they described as its “slow growth plunge.” “Almost every country in Asia exports somewhere between an awful lot and a lot to the United States,” said Deborah Elms, executive director of the Asian Trade Centre, a Singapore-based consultancy. “Trade deficits are a problem. At any moment there could be an angry Donald Trump in your face or a Twitter coming your way. Have other countries woken up to this problem? Perhaps not.” http://www.klsescreener.com/v2/news/view/191615 this may be the catalysts of a recession This post has been edited by Avangelice: Feb 13 2017, 04:57 PM
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vincabby	Feb 13 2017, 05:04 PM Show posts by this member only \| IPv6 \| Post #287
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(Avangelice @ Feb 13 2017, 04:56 PM) Malaysia among countries that could be Trump’s next trade war targets Screener Malaysia among countries that could be Trump’s next trade war targets TheEdge Mon, Feb 13, 2017 (Feb 13): Malaysia, India, Indonesia and Vietnam have largely escaped US President Donald Trump’s glare on trade, but he may yet come looking. The US runs trade deficits with all of them, in some cases quite big ones. Trump’s exit from the 12-nation Trans-Pacific Partnership, his attacks on the trade policies of Japan, China and South Korea, and a Republican push for tax reforms that would impose a levy on US imports from all countries are contributing to concerns that a protectionist era will hurt growth. Countries that the US runs trade deficits with may be particularly vulnerable to attack. Peter Navarro, the head of Trump’s National Trade Council, and Commerce Secretary-nominee Wilbur Ross last year wrote a paper where they pinpointed America’s trade gaps as a cause for what they described as its “slow growth plunge.” “Almost every country in Asia exports somewhere between an awful lot and a lot to the United States,” said Deborah Elms, executive director of the Asian Trade Centre, a Singapore-based consultancy. “Trade deficits are a problem. At any moment there could be an angry Donald Trump in your face or a Twitter coming your way. Have other countries woken up to this problem? Perhaps not.” http://www.klsescreener.com/v2/news/view/191615 this may be the catalysts of a recession sell sell sell!
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wengherng	Feb 13 2017, 05:32 PM Show posts by this member only \| Post #288
Regular Senior Member 1,865 posts Joined: Jun 2008	QUOTE(Avangelice @ Feb 13 2017, 03:31 PM) very Asian centric portfolio. almost all four funds target Asia ex Japan. if Asian stocks go down your entire portfolio will follow suit. if this is your intended purpose to ride the Asian wave then go for it. if you want to take advantage of a wide geographical region. remove rhb Asian income and split it to Manulife US and Manulife India. Your statement got me thinking about my own portfolio. Apparently, although not done consciously, my fund picks are all Asian-centric as well, ex-Japan. Although, my investment in the Malaysian stock market is heavily biased to companies which have the majority of their sales revenue from US and other European countries. Does that count?
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Avangelice	Feb 13 2017, 05:52 PM Show posts by this member only \| Post #289
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(wengherng @ Feb 13 2017, 05:32 PM) Your statement got me thinking about my own portfolio. Apparently, although not done consciously, my fund picks are all Asian-centric as well, ex-Japan. Although, my investment in the Malaysian stock market is heavily biased to companies which have the majority of their sales revenue from US and other European countries. Does that count? rest assured if this happens stocks like VS and classic scenic will be affected.
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wengherng	Feb 13 2017, 05:58 PM Show posts by this member only \| Post #290
Regular Senior Member 1,865 posts Joined: Jun 2008	QUOTE(Avangelice @ Feb 13 2017, 05:52 PM) rest assured if this happens stocks like VS and classic scenic will be affected. Probably......but if, for example, we have an Asian financial crisis like 1997 and the MYR tanks to the abyss while the US booms (however difficult to imagine), then at least Classic Scenic's revenues will soar...... Wishful thinking, I know.
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Avangelice	Feb 13 2017, 06:02 PM Show posts by this member only \| Post #291
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(wengherng @ Feb 13 2017, 05:58 PM) Probably......but if, for example, we have an Asian financial crisis like 1997 and the MYR tanks to the abyss while the US booms (however difficult to imagine), then at least Classic Scenic's revenues will soar...... Wishful thinking, I know. problem is Asian financial crisis 2.0 will be triggered by protectionism coming from the US. my only hope is that when US becomes the paranoid tin foil hat neighbor, china will pick up where it left off. only problem is China is also a production country. how would it want to import our stuff.
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LazyKurosaki	Feb 13 2017, 06:55 PM Show posts by this member only \| IPv6 \| Post #292
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	I planning to put my.first 1k saving into affin hwang select asia ex jpn quantum fund / TA Global Technology fund..subsequently I will add in rm 150-200 every month while continue to save money until enuf money den buy into diff fund..will it be a good choice? Just started working..not much spare to invest
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T231H	Feb 13 2017, 07:03 PM Show posts by this member only \| Post #293
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(LazyKurosaki @ Feb 13 2017, 06:55 PM) I planning to put my.first 1k saving into affin hwang select asia ex jpn quantum fund / TA Global Technology fund..subsequently I will add in rm 150-200 every month while continue to save money until enuf money den buy into diff fund..will it be a good choice? Just started working..not much spare to invest you can try do RSP to cover most funds for your portfolio instead of having to start with just 2 funds. try read this and contact FSM CIS or CS for further discussion on the T&C of RSP if you cannot get more from the RSP FAQs. https://www.fundsupermart.com.my/main/buyse...ntroduction.tpl RSP FAQs https://www.fundsupermart.com.my/main/faq/0...avings-Plan-976
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prince_mk	Feb 13 2017, 07:42 PM Show posts by this member only \| Post #294
Look at all my stars!! Senior Member 2,679 posts Joined: Oct 2014	QUOTE(xuzen @ Feb 13 2017, 02:21 PM) Consider this thus, if you withdraw from KGF from your KWSP-MIS, it goes back to KWSP first. Then if you withdraw again from there to another UTMC, you will be levied another round of sales charge. Not a smart move! This is what I have highlighted before and that is for KWSP - MIS participation, Kenanga is a poor option because amongst it KWSP-MIS approved UTF, only KGF is worthy of investment and not the other. As such Kenanga is a one trick pony and that is why I am reluctant to participate in it, even though KGF is a good fund. Sometimes we have to see in totality and not myopically. Best option, stick with KGF. For fresh fund consider eastspring, AHAM, CIMB or RHB because they have greater options. Like a buffet dinner, macam-macam ada. Xuzen p/s My personal preference is Eastspring because it has a good mix of equity, balanced and fixed income fund available to KWSP-MIS participants. Sifu Xuzen, As for Eastspring, I will consider EASTSPRING INVESTMENTS GLOBAL LEADERS MY FUND for my next KWSP MIS. And for CIMB, surely Titan. I see your rationale too. Will keep the KGF as I will be double charge if sell and buy a new fund using EPF monies. Thanks.
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LazyKurosaki	Feb 13 2017, 08:01 PM Show posts by this member only \| IPv6 \| Post #295
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	QUOTE(T231H @ Feb 13 2017, 07:03 PM) you can try do RSP to cover most funds for your portfolio instead of having to start with just 2 funds. try read this and contact FSM CIS or CS for further discussion on the T&C of RSP if you cannot get more from the RSP FAQs. https://www.fundsupermart.com.my/main/buyse...ntroduction.tpl RSP FAQs https://www.fundsupermart.com.my/main/faq/0...avings-Plan-976 Thanks but I dont.get what is RSP..issit we pay every month den FSM will use our money and invest in diff diff funds ?
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MUM	Feb 13 2017, 08:09 PM Show posts by this member only \| Post #296
10k Club All Stars 14,854 posts Joined: Mar 2015	QUOTE(LazyKurosaki @ Feb 13 2017, 08:01 PM) Thanks but I dont.get what is RSP..issit we pay every month den FSM will use our money and invest in diff diff funds ? from that FAQs links. Q: What is a Regular Savings Plan (RSP) and how do I apply? A: A RSP is a monthly subscription plan that enables you to invest a fixed amount of money at regular intervals into a particular fund.
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TSAIYH	Feb 13 2017, 08:09 PM Show posts by this member only \| Post #297
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(LazyKurosaki @ Feb 13 2017, 08:01 PM) Thanks but I dont.get what is RSP..issit we pay every month den FSM will use our money and invest in diff diff funds ? no, is you set up a auto debit instruction from FSM, you can set the amount you want to RSP into the fund you choose
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contestchris	Feb 13 2017, 08:10 PM Show posts by this member only \| Post #298
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(phoenix24 @ Feb 13 2017, 03:21 PM) Hi guys, I am new to unit trust investment. I plan to submit my account opening form at fsm by probably end of this month / 1st of next month. I have RM24,000 to spare and here's my portfolio affin hwang select bond fund - 40% ponzi 2.0 - 25% AMasia REITS - 15% RHB Asian Income Fund - 20% Any suggestion on improvement for what my portfolio is lacking? 1st of next month...if the positive vibes in Asia continue it would be about 2-2.5 mths from a constant bullish environment. Lots of things can change. I am NOT saying things will go downhill, but it's worth doing a research closer to the 1st of March, cause there are chances there will be a downturn then. There always is a downturn after a bullish run. The question is, when? Also I definitely recommend some holdings outside of Asia - at least 20%. Something like CIMB Global Titans, TA Global Tech, TA European, RHB US Focus, Manulife US etc.
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TSAIYH	Feb 13 2017, 08:14 PM Show posts by this member only \| Post #299
Regular Senior Member 1,166 posts Joined: Jul 2016	my gosh, the gain in kgf and kap chai and also ponzi 1
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contestchris	Feb 13 2017, 08:18 PM Show posts by this member only \| Post #300
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(AIYH @ Feb 13 2017, 08:14 PM) my gosh, the gain in kgf and kap chai and also ponzi 1 I think we should monitor their liquid assets...once it hits 8%, chances are they will stop rising so much. Currently most of the gains in Malaysia based on my observation is coming from local funds spending their liquid assets. The mean is usually 5-8% in "normal times", but at the end of Nov/Dec it was 20-30% in most local funds. So now the gains are coming as the local funds pour cash into the market. It's a dangerous scenario cause if this is not sustained and the market fundamentals do not improve then eventually we will be headed for another major drop as the foreign funds do profit taking. This post has been edited by contestchris: Feb 13 2017, 08:18 PM
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LazyKurosaki	Feb 13 2017, 08:19 PM Show posts by this member only \| IPv6 \| Post #301
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	QUOTE(AIYH @ Feb 13 2017, 08:09 PM) no, is you set up a auto debit instruction from FSM, you can set the amount you want to RSP into the fund you choose Then what is the different ah since we can choose our own fund also...how is it diff from putting 1k into the fund of our choice
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T231H	Feb 13 2017, 08:27 PM Show posts by this member only \| Post #302
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(LazyKurosaki @ Feb 13 2017, 08:19 PM) Then what is the different ah since we can choose our own fund also...how is it diff from putting 1k into the fund of our choice you put in 1K buy 1 fund, then save for a few months another 1K to buy into another fund, and the cycle goes on until your diversified portfolio are achieves..... in the meantime your portfolio maybe 1 sided..... With RSP, you can set up and starts a diversified asset class and geographic markets diversification and .... ........ CONSIDER REGULAR SAVINGS PLANS Investors who are unable to set aside the initial lump sum investment may find our Regular Savings Plan (RSP) more appealing. Fundsupermart currently has 198 unit trusts in the RSP Special List that does not require a minimum initial investment lump sum amount. For as little as RM100 a month, investors can choose to begin an RSP into any fund on the list. The RSP utilises the "dollar cost averaging" concept, where a fixed sum of money is invested each month, regardless of whether the market has risen or fallen. When the markets are heading up, you buy fewer units per dollar invested while still participating in the ascent of financial markets. When the markets are heading down, the situation is reversed and you purchase a greater of number of units per dollar invested, allowing the investor to benefit from market volatility to the downside. Over the long run, the cost of the investment averages out, saving you the time and effort required to monitor market movements and strategically time your investments. https://www.fundsupermart.com.my/main/resea...July-2015--6123 This post has been edited by T231H: Feb 13 2017, 08:31 PM
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TSAIYH	Feb 13 2017, 08:36 PM Show posts by this member only \| Post #303
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(contestchris @ Feb 13 2017, 08:18 PM) I think we should monitor their liquid assets...once it hits 8%, chances are they will stop rising so much. Currently most of the gains in Malaysia based on my observation is coming from local funds spending their liquid assets. The mean is usually 5-8% in "normal times", but at the end of Nov/Dec it was 20-30% in most local funds. So now the gains are coming as the local funds pour cash into the market. It's a dangerous scenario cause if this is not sustained and the market fundamentals do not improve then eventually we will be headed for another major drop as the foreign funds do profit taking. But you do know their fund fact sheet is always close to 1 month plus lag For now, from november to december: kgf maintain roughly same level in liquid asset for kap chai, they injected 2% of liquid asset into stocks but ponzi 1 pumped almost 11% liquid asset into stocks QUOTE(LazyKurosaki @ Feb 13 2017, 08:19 PM) Then what is the different ah since we can choose our own fund also...how is it diff from putting 1k into the fund of our choice RSP you can start without initial investment (for most funds) and you didnt need to manually top up every month, either set deduct from bank account or CMF, they will auto deduct your money into your selected fund every month, hassle free This post has been edited by AIYH: Feb 13 2017, 09:40 PM
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2387581	Feb 13 2017, 08:37 PM Show posts by this member only \| IPv6 \| Post #304
Enthusiast Senior Member 755 posts Joined: Dec 2016	QUOTE(LazyKurosaki @ Feb 13 2017, 08:19 PM) Then what is the different ah since we can choose our own fund also...how is it diff from putting 1k into the fund of our choice 1. able to start small; 2. dollar cost averaging; 3. commitment to save seriously, all the info me and friend T231H and AIYH tells can be readily read from the links posted earlier. I think it is better to read them in FSM website. This post has been edited by 2387581: Feb 13 2017, 08:40 PM
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2387581	Feb 13 2017, 08:45 PM Show posts by this member only \| IPv6 \| Post #305
Enthusiast Senior Member 755 posts Joined: Dec 2016	Hi friends, it is after hours now so I ask here. Let's say if I want to mirror the FSM recommended portfolio, does it mean that 1. FSM will sell and buy/switch the existing funds into the funds within the recommended portfolio (sales charge incurred)? 2. Do I have to skim profit or rebalance the portfolio myself or FSM will do it automatically to the prescribed ratio? If so, when? on additional note: http://www.theedgemarkets.com/my/article/e...Pi3nEmc.twitter QUOTE Euphoria sweeps China stocks as momentum gauge reaches 2015 high By Bloomberg / Bloomberg \| February 13, 2017 : 8:00 PM MYT (Feb 13): Chinese stocks are hot again. The MSCI China Index has surged 13% from its December low, sending a momentum indicator to its highest level since April 2015, while the percentage of members trading above their 200-day moving average has climbed above 85% for the first time since the bubble burst almost two years ago. Improving earnings in industries such as automakers, a pick up in economic growth and valuations that trail global peers are luring investors back to a market that’s burnt optimists before. Just last quarter the gauge sank about 7% as a slumping yuan and tighter liquidity had investors jostling for the exits. This time round, inflows from the mainland into Hong Kong are helping support the rally. MSCI Inc’s China gauge tracks 150 of the nation’s companies that have listings outside the mainland, including in Hong Kong and US bourses. Among the biggest gainers since the index’s Dec 23 low are automakers such as Geely Automobile Holdings Ltd, materials producers including Aluminum Corp of China Ltd and Jiangxi Copper Co, and social media company Weibo Corp. The index now trades within 1% of levels last seen in August 2015, when the nation’s equities were in a tailspin following an epic boom. Shares are again looking frothy, with the MSCI China’s 14-day relative strength indicator rising to 78.8 on Monday, above the 70 level that signals to some traders that stocks are overbought. Still, as global funds look for bargains amid a worldwide equity rally, the MSCI China Index stands out. The gauge trades at about 14 times reported earnings, a 34% discount to the MSCI All-Country World Index. A stabilizing yuan is also boosting confidence, with the currency gaining about 1% against the dollar this year. The Chinese measure rose 0.8% on Monday in a fourth day of gains. International investors put about US$469 million into exchange-traded funds that buy Chinese and Hong Kong stocks in the two weeks through Jan 27, according to data compiled by Bloomberg. Mainland funds have also been pouring into Hong Kong equities through the Shanghai and Shenzhen exchange links, with inflows this year totaling 34.1 billion yuan at the end of last week. This post has been edited by 2387581: Feb 13 2017, 08:48 PM
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TSAIYH	Feb 13 2017, 08:49 PM Show posts by this member only \| Post #306
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(2387581 @ Feb 13 2017, 08:45 PM) Hi friends, it is after hours now so I ask here. Let's say if I want to mirror the FSM recommended portfolio, does it mean that 1. FSM will sell and buy/switch the existing funds into the funds within the recommended portfolio (sales charge incurred)? 2. Do I have to skim profit or rebalance the portfolio myself or FSM will do it automatically to the prescribed ratio? If so, when? I think the recommended portfolio is just the reference for us to follow only Hence, it is not an auto pilot portfolio, rather, you need to refer them monthly and you make your own decision and transaction When they switch fund, they just replace the old fund info and data with new fund info and data, performance is not inclusive of sales charge But I could be wrong, you may refer to live help in working hours from their website or email them to verify the info or ask more details p/s: if you want auto pilot mutua funds portfolio, you should go to their SG counterpart which they have MAPS service, you invest once and/or put a sum of money in their cash account to do auto monthly investment, they will help you allocate fund and switch fund according to their expertise for a small percentage of annual fee
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Ramjade	Feb 13 2017, 09:05 PM Show posts by this member only \| Post #307
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(LazyKurosaki @ Feb 13 2017, 08:19 PM) Then what is the different ah since we can choose our own fund also...how is it diff from putting 1k into the fund of our choice With RSP, you are pumping in money on the 15th of every month regardless the market is expensive or cheap. No emotion. High or low at the 15th of every month, automatically xxx amount will be pumped into the fund of your choice. With DIY, you determine when want to pump into the market. QUOTE(AIYH @ Feb 13 2017, 08:36 PM) For now, from november to december: kgf maintain roughly same level in liquid asset but for kap chai, they injected almost 8% of liquid asset into stocks while ponzi 1 pumped almost 11% liquid asset into stocks Where do you get this info? QUOTE(2387581 @ Feb 13 2017, 08:45 PM) Hi friends, it is after hours now so I ask here. Let's say if I want to mirror the FSM recommended portfolio, does it mean that 1. FSM will sell and buy/switch the existing funds into the funds within the recommended portfolio (sales charge incurred)? 2. Do I have to skim profit or rebalance the portfolio myself or FSM will do it automatically to the prescribed ratio? If so, when? on additional note: http://www.theedgemarkets.com/my/article/e...Pi3nEmc.twitter 1. They will give you a notification that they have sold/buy x fund by abc amount. 2. No auto mode.
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TSAIYH	Feb 13 2017, 09:14 PM Show posts by this member only \| Post #308
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 13 2017, 09:05 PM) With RSP, you are pumping in money on the 15th of every month regardless the market is expensive or cheap. No emotion. High or low at the 15th of every month, automatically xxx amount will be pumped into the fund of your choice. With DIY, you determine when want to pump into the market. Where do you get this info? 1. They will give you a notification that they have sold/buy x fund by abc amount. 2. No auto mode. For KGF, check their latest FFS, they showed the latest 3 months stocks and liquid assets percentage For kapchai and ponzi 1, compare their FFS between november and december
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Ramjade	Feb 13 2017, 09:17 PM Show posts by this member only \| Post #309
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(AIYH @ Feb 13 2017, 09:14 PM) For KGF, check their latest FFS, they showed the latest 3 months stocks and liquid assets percentage For kapchai and ponzi 1, compare their FFS between november and december Where do you get their FFS? FSM only put the latest one. Download last time and keep?
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vmt	Feb 13 2017, 09:25 PM Show posts by this member only \| IPv6 \| Post #310
New Member Junior Member 26 posts Joined: Mar 2007	QUOTE(Ramjade @ Feb 13 2017, 09:17 PM) Where do you get their FFS? FSM only put the latest one. Download last time and keep? You can always google... wait did I say the obvious?
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LazyKurosaki	Feb 13 2017, 09:27 PM Show posts by this member only \| IPv6 \| Post #311
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	QUOTE(Ramjade @ Feb 13 2017, 09:05 PM) With RSP, you are pumping in money on the 15th of every month regardless the market is expensive or cheap. No emotion. High or low at the 15th of every month, automatically xxx amount will be pumped into the fund of your choice. But with manual pump also can right? Only that initial investment is 1k compared to 100 right? Every.month I pump in xxx amount on my own consider as dollar cost averaging as well?
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TSAIYH	Feb 13 2017, 09:30 PM Show posts by this member only \| Post #312
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 13 2017, 09:17 PM) Where do you get their FFS? FSM only put the latest one. Download last time and keep? You could download, but i didnt For previous 2 months, you can still google them on top few results
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TSAIYH	Feb 13 2017, 09:31 PM Show posts by this member only \| Post #313
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(LazyKurosaki @ Feb 13 2017, 09:27 PM) But with manual pump also can right? Only that initial investment is 1k compared to 100 right? Every.month I pump in xxx amount on my own consider as dollar cost averaging as well? You can, but if you dont have initial capital, you can start with 100 via RSP for most fund Moreover, some funds like manulife and aberdeen required 500 for subsequent top up whil via RSP, you only need 100 to top up them
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2387581	Feb 13 2017, 09:33 PM Show posts by this member only \| IPv6 \| Post #314
Enthusiast Senior Member 755 posts Joined: Dec 2016	QUOTE(Ramjade @ Feb 13 2017, 09:17 PM) Where do you get their FFS? FSM only put the latest one. Download last time and keep? For example; https://www.eunittrust.com.my/pdf/Factsheet...00102016_fs.pdf https://www.eunittrust.com.my/pdf/Factsheet...00112016_fs.pdf https://www.eunittrust.com.my/pdf/Factsheet...00122016_fs.pdf following this pattern I may retrieve up to Jan 2012 https://www.eunittrust.com.my/pdf/Factsheet...00012012_fs.pdf interestingly you can see how things have changed over time.
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puchongite	Feb 13 2017, 09:49 PM Show posts by this member only \| Post #315
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(AIYH @ Feb 13 2017, 08:36 PM) But you do know their fund fact sheet is always close to 1 month plus lag For now, from november to december: kgf maintain roughly same level in liquid asset for kap chai, they injected 2% of liquid asset into stocks but ponzi 1 pumped almost 11% liquid asset into stocks Which is better way to calculate it, just minus the % or compute the money based on fund size ? Eg the kap chai case, fund size reduced.
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wayne84	Feb 13 2017, 09:52 PM Show posts by this member only \| Post #316
Casual Junior Member 463 posts Joined: Nov 2007	omggg...portfolio return hit another all the high, any brosss or sisss doing portfolio restructuring ??? or just buy pop corn sit and see how it hit higher high ?
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puchongite	Feb 13 2017, 09:55 PM Show posts by this member only \| Post #317
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(wayne84 @ Feb 13 2017, 09:52 PM) omggg...portfolio return hit another all the high, any brosss or sisss doing portfolio restructuring ??? or just buy pop corn sit and see how it hit higher high ? Everyday we are watching the balloon becomes bigger and bigger. LOL.
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contestchris	Feb 13 2017, 09:56 PM Show posts by this member only \| Post #318
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(2387581 @ Feb 13 2017, 08:45 PM) Hi friends, it is after hours now so I ask here. Let's say if I want to mirror the FSM recommended portfolio, does it mean that 1. FSM will sell and buy/switch the existing funds into the funds within the recommended portfolio (sales charge incurred)? 2. Do I have to skim profit or rebalance the portfolio myself or FSM will do it automatically to the prescribed ratio? If so, when? on additional note: http://www.theedgemarkets.com/my/article/e...Pi3nEmc.twitter Yeah I'm a bit disappointed with not having quickly re-switched back into the China fund. I went from Greater China > China/India/Indonesia, and the initial 4 day period was good, but since then China has come back strong and I was too hesitant to react. I finally switched back today afternoon, so hopefully from tomorrow onwards China keeps up the good pace! PS: I still kept my Australia (from Global Titans) and SEA (from Europe) switches
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wayne84	Feb 13 2017, 09:58 PM Show posts by this member only \| Post #319
Casual Junior Member 463 posts Joined: Nov 2007	QUOTE(puchongite @ Feb 13 2017, 09:55 PM) Everyday we are watching the balloon becomes bigger and bigger. LOL. Bro, the balloon party just started...wont burst so fast gua..lu jgn make me gan jeong la wei hahaha
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LazyKurosaki	Feb 13 2017, 09:59 PM Show posts by this member only \| IPv6 \| Post #320
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	QUOTE(AIYH @ Feb 13 2017, 09:31 PM) You can, but if you dont have initial capital, you can start with 100 via RSP for most fund Moreover, some funds like manulife and aberdeen required 500 for subsequent top up whil via RSP, you only need 100 to top up them The initial capital already have de..maybe I do it over the bank..we get 1% sales charge for staff..
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TSAIYH	Feb 13 2017, 10:03 PM Show posts by this member only \| Post #321
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(LazyKurosaki @ Feb 13 2017, 09:59 PM) The initial capital already have de..maybe I do it over the bank..we get 1% sales charge for staff.. If you can get better offer, by all means go for it Unless you will a staff there until retirement, chances that you will pay higher SC once you leave the bank, so that time only transfer to FSM QUOTE(puchongite @ Feb 13 2017, 09:49 PM) Which is better way to calculate it, just minus the % or compute the money based on fund size ? Eg the kap chai case, fund size reduced. you see the fund size changes vs the cash changes in %, which changes more
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LazyKurosaki	Feb 13 2017, 10:05 PM Show posts by this member only \| IPv6 \| Post #322
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	QUOTE(AIYH @ Feb 13 2017, 10:03 PM) If you can get better offer, by all means go for it Unless you will a staff there until retirement, chances that you will pay higher SC once you leave the bank, so that time only transfer to FSM you see the fund size changes vs the cash changes in %, which changes more Probably work few.more years..where cn I check the sales charge for.fsm?
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river.sand	Feb 13 2017, 10:06 PM Show posts by this member only \| IPv6 \| Post #323
Look at all my stars!! Senior Member 3,806 posts Joined: Feb 2012	QUOTE(contestchris @ Feb 13 2017, 08:18 PM) I think we should monitor their liquid assets...once it hits 8%, chances are they will stop rising so much. Currently most of the gains in Malaysia based on my observation is coming from local funds spending their liquid assets. The mean is usually 5-8% in "normal times", but at the end of Nov/Dec it was 20-30% in most local funds. So now the gains are coming as the local funds pour cash into the market. It's a dangerous scenario cause if this is not sustained and the market fundamentals do not improve then eventually we will be headed for another major drop as the foreign funds do profit taking. NAV calculation includes liquid assets, right? Injection of cash into stocks should not significantly increase the NAV.
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TSAIYH	Feb 13 2017, 10:07 PM Show posts by this member only \| Post #324
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(LazyKurosaki @ Feb 13 2017, 10:05 PM) Probably work few.more years..where cn I check the sales charge for.fsm? available in their website, fund selector, fund sales charge, or their respective fund page sometimes they do have promo you may also consider eunittrust if you want even lower SC promo
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TSAIYH	Feb 13 2017, 10:09 PM Show posts by this member only \| Post #325
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(river.sand @ Feb 13 2017, 10:06 PM) NAV calculation includes liquid assets, right? Injection of cash into stocks should not significantly increase the NAV. But the stocks they converted could push the return higher, more so if more fund manager do the same
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LazyKurosaki	Feb 13 2017, 10:10 PM Show posts by this member only \| IPv6 \| Post #326
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	QUOTE(AIYH @ Feb 13 2017, 10:07 PM) available in their website, fund selector, fund sales charge, or their respective fund page sometimes they do have promo you may also consider eunittrust if you want even lower SC promo I saw they have promo for affin hwang select asia ex jpn quantum.fund..but still deciding.whether to enter this or ta global technology..looking for capital gain/produce.an.income fund
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contestchris	Feb 13 2017, 10:11 PM Show posts by this member only \| Post #327
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(river.sand @ Feb 13 2017, 10:06 PM) NAV calculation includes liquid assets, right? Injection of cash into stocks should not significantly increase the NAV. Say you inject RM1 to buy a single stock. There was only one stock being sold at RM1. That causes the stock value to rise to RM1.01. You already gained 1%! Say you buy 1000 stocks simultaneously. 200 at RM1, 200 at RM1.01...200 at RM1.04. It's now being sold at RM1.05. You spent RM1020 on this, but it is worth RM1050. "Gain" of 2.94%! 1-2% may seem small to you, but with very illiquid small cap counters this is what happens. It's just the reality. In the past Pheim fun was punished because it used this trick to play play at a small counter and every day inflate the value of its fund. This post has been edited by contestchris: Feb 13 2017, 10:17 PM
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contestchris	Feb 13 2017, 10:44 PM Show posts by this member only \| Post #328
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(wayne84 @ Feb 13 2017, 09:58 PM) Bro, the balloon party just started...wont burst so fast gua..lu jgn make me gan jeong la wei hahaha Careful. Dow is on the verge of hitting 20,400...balloon can burst at any moment...it could also burst in 5 years. I pray it waits for 1 more year at least so I can collect some capital gains first.
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wodenus	Feb 13 2017, 11:03 PM Show posts by this member only \| Post #329
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(contestchris @ Feb 13 2017, 10:44 PM) Careful. Dow is on the verge of hitting 20,400...balloon can burst at any moment...it could also burst in 5 years. I pray it waits for 1 more year at least so I can collect some capital gains first. Not a big deal.. if you've been through a few world recessions they're pretty much always the same
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Avangelice	Feb 13 2017, 11:05 PM Show posts by this member only \| IPv6 \| Post #330
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(wodenus @ Feb 13 2017, 11:03 PM) Not a big deal.. if you've been through a few world recessions they're pretty much always the same yep. if I am here where I am after my family was hit by 1998 Asian crisis. I can face anything.
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wodenus	Feb 13 2017, 11:13 PM Show posts by this member only \| Post #331
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(contestchris @ Feb 13 2017, 10:11 PM) Say you inject RM1 to buy a single stock. There was only one stock being sold at RM1. That causes the stock value to rise to RM1.01. You already gained 1%! Say you buy 1000 stocks simultaneously. 200 at RM1, 200 at RM1.01...200 at RM1.04. It's now being sold at RM1.05. You spent RM1020 on this, but it is worth RM1050. "Gain" of 2.94%! 1-2% may seem small to you, but with very illiquid small cap counters this is what happens. It's just the reality. In the past Pheim fun was punished because it used this trick to play play at a small counter and every day inflate the value of its fund. What happened in the Pheim case?
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wodenus	Feb 13 2017, 11:16 PM Show posts by this member only \| Post #332
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(contestchris @ Feb 13 2017, 09:56 PM) Yeah I'm a bit disappointed with not having quickly re-switched back into the China fund. I went from Greater China > China/India/Indonesia, and the initial 4 day period was good, but since then China has come back strong and I was too hesitant to react. I finally switched back today afternoon, so hopefully from tomorrow onwards China keeps up the good pace! PS: I still kept my Australia (from Global Titans) and SEA (from Europe) switches How long (how many days) does it take you to switch from one fund to another?
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contestchris	Feb 13 2017, 11:21 PM Show posts by this member only \| Post #333
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(wodenus @ Feb 13 2017, 11:13 PM) What happened in the Pheim case? http://www.singaporelaw.sg/sglaw/laws-of-s...r-2010-sghc-277 27 It is not disputed that as a result of the rise in UET’s share price at the material time, 15 funds within the Pheim Group recorded a $1,086,989 increase in their NAVs. It is also not disputed that three accounts, namely Accounts 28 (ie, the Vittoria Fund), 101 and 106 would not have outperformed their benchmark returns for 2004 but for the rise in UET’s share price at the material time. As a consequence, Pheim Singapore earned an additional $50,000 in fees arising from the outperformance. QUOTE(wodenus @ Feb 13 2017, 11:16 PM) How long (how many days) does it take you to switch from one fund to another? 3 working days to be complete. But since I put in my order at today noon, it switched at today's NAV. Meaning I will gain/lose based on tomorrow's markets performance onwards.
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afdhal_89	Feb 13 2017, 11:33 PM Show posts by this member only \| Post #334
New Member Junior Member 48 posts Joined: Feb 2008 From: Meow Meow	Hi guys, really enjoyed reading everyone's views and insight on the current market trend. I'd like to ask regarding CMF. If i gain certain profit after certain period of investing, i have options to transfer my gains to CMF or leave it in the fund. Any benefit if i just leave the profit as it is in the fund?
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Ramjade	Feb 13 2017, 11:37 PM Show posts by this member only \| Post #335
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(afdhal_89 @ Feb 13 2017, 11:33 PM) Hi guys, really enjoyed reading everyone's views and insight on the current market trend. I'd like to ask regarding CMF. If i gain certain profit after certain period of investing, i have options to transfer my gains to CMF or leave it in the fund. Any benefit if i just leave the profit as it is in the fund? No benefit. That's why some people skim their funds.
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contestchris	Feb 14 2017, 12:02 AM Show posts by this member only \| Post #336
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(afdhal_89 @ Feb 13 2017, 11:33 PM) Hi guys, really enjoyed reading everyone's views and insight on the current market trend. I'd like to ask regarding CMF. If i gain certain profit after certain period of investing, i have options to transfer my gains to CMF or leave it in the fund. Any benefit if i just leave the profit as it is in the fund? Leave profits in the fund = the power of compound interest. Let it ride the up and downs. At 8% yearly returns your money will double in 9 years time if you do not touch the profits at all. If you take the profits, you only get 72% returns, rather than 100% returns, within that 9 year period.
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Ramjade	Feb 14 2017, 12:04 AM Show posts by this member only \| Post #337
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(contestchris @ Feb 14 2017, 12:02 AM) Leave profits in the fund = the power of compound interest. Let it ride the up and downs. At 8% yearly returns your money will double in 9 years time if you do not touch the profits at all. If you take the profits, you only get 72% returns, rather than 100% returns, within that 9 year period. Not true. You can skim profit and when it's low pump back the profit.
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2387581	Feb 14 2017, 12:30 AM Show posts by this member only \| IPv6 \| Post #338
Enthusiast Senior Member 755 posts Joined: Dec 2016	QUOTE(contestchris @ Feb 14 2017, 12:02 AM) Leave profits in the fund = the power of compound interest. Let it ride the up and downs. At 8% yearly returns your money will double in 9 years time if you do not touch the profits at all. If you take the profits, you only get 72% returns, rather than 100% returns, within that 9 year period. How to compound in UT? Market fluctuates, so at NAV RM1, your 1000 units worth RM1000 today. 5 years down the road with crazy ups and downs, on Feb 2022 the NAV somehow at RM1.10, but your units still maintain 1000 units, which only worth RM1100... am I missing something here?
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shankar_dass93	Feb 14 2017, 12:48 AM Show posts by this member only \| Post #339
Look at all my stars!! Senior Member 2,955 posts Joined: Sep 2009	QUOTE(contestchris @ Feb 10 2017, 10:31 PM) I have 9 UT, just one stock. Very opposite from others. But you're right. Somehow the CIMB CII Indonesian funds are up by 0.2% for the day. Amazing! What stock are you currently holding if i may ask ? On the other hand, looks like the Dow is currently cruising upwards
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T231H	Feb 14 2017, 06:25 AM Show posts by this member only \| Post #340
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(afdhal_89 @ Feb 13 2017, 11:33 PM) Hi guys, really enjoyed reading everyone's views and insight on the current market trend. I'd like to ask regarding CMF. If i gain certain profit after certain period of investing, i have options to transfer my gains to CMF or leave it in the fund. Any benefit if i just leave the profit as it is in the fund? I assumed you are asking, if got gains from the funds, should you move to CMF or leave in in those funds.... I assumed you have a portfolio of diverse asset/geographical funds in you portfolio (On portfolio's asset class level) I assumed you have determined a certain ratio of FI:EQ when you first set up a portfolio, if you have, review and determine to see whether those ratio are still comfortable to you NOW. if you have reviewed it, review it now with the current ratios (including the gains) if you have, determine how much out of sync those ratios are...... if you have, determine how comfortable are you with those out of sync ratios value. if you have and if you are still comfortable, don't shift those ratio from EQ to FI else shift those gains from EQ to FI to the desired ratios (on portfolio's composition level) on determining which gains from the EQ funds to shift out? ..... I assumed you have determined a certain targeted % for each funds when you first set up a portfolio, if you have, review and determine to see whether those % are still comfortable to you NOW. if you have reviewed it, review it now with the current % (including the gains) if you have, determine how much out of sync those % are...... if you have, determine how comfortable are you with those out of sync those % value. (review fund by fund) if you have and if you are still comfortable (after taking into consideration of the current Star ratings too), don't shift those % from that fund(s) to others else shift those excess % to other fund(s) to maintain them to the desired % level. on your question of "Any benefit if i just leave the profit as it is in the fund?" I assumed you meant left those gains in those funds.... Yes, you have a lot of units at lower prices.....(which could helps maintain your ROI of those funds in Green territories during corrections/dips to a certain extend) No, the ratios or % of your asset/geographical compositions may be over your comfort zones. Maybe, for you have to find it out during the next cycle of corrections/dips, how your emotions/psychological feeling are......have to really experience it to learnt it and adjust to it. Terima Kasih
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T231H	Feb 14 2017, 06:37 AM Show posts by this member only \| Post #341
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(shankar_dass93 @ Feb 14 2017, 12:48 AM) What stock are you currently holding if i may ask ? On the other hand, looks like the Dow is currently cruising upwards I liked that up and keep on rising feeling too..... some people said...... they are just like when on Viagra with Vodka PLUS a young and sexy moy but some people also said..... Historically, when the US market has traded over 17X PE, those were considered times when valuations were high. That means that the chances of a market correction in that market over the next one to three years have increased. Certainly, there are other cheaper markets than US to be in. Thus, accordingly, one should reduced his/her portfolio’s exposure to US equities and move to other more desired lower valued regions. currently I liked the 1st group of people more, thus will continue for a few more weeks to enjoy the Viagra with Vodka PLUS a young and sexy moy's feeling. just hope the feeing would last.....it just feel so much uuuumph for the past few weeks.
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T231H	Feb 14 2017, 06:48 AM Show posts by this member only \| Post #342
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(2387581 @ Feb 14 2017, 12:30 AM) How to compound in UT? Market fluctuates, so at NAV RM1, your 1000 units worth RM1000 today. 5 years down the road with crazy ups and downs, on Feb 2022 the NAV somehow at RM1.10, but your units still maintain 1000 units, which only worth RM1100... am I missing something here? I think I found the missing thing....those extra units from distributions...... I know what you are try to say and meant...I was just trying to be funny and sorry to have pulled your leg how to have the desired predetermined ROIs at a desired horizons when there are so many General Risks of Investing in Unit Trust Funds http://www.cimb-principal.com.my/Investor_...rust_Funds.aspx
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2387581	Feb 14 2017, 08:57 AM Show posts by this member only \| IPv6 \| Post #343
Enthusiast Senior Member 755 posts Joined: Dec 2016	QUOTE(T231H @ Feb 14 2017, 06:48 AM) I think I found the missing thing....those extra units from distributions...... I know what you are try to say and meant...I was just trying to be funny and sorry to have pulled your leg how to have the desired predetermined ROIs at a desired horizons when there are so many General Risks of Investing in Unit Trust Funds http://www.cimb-principal.com.my/Investor_...rust_Funds.aspx There are many funds which do not distribute units...? For example CIMB Greater China, Manulife US
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killdavid	Feb 14 2017, 09:00 AM Show posts by this member only \| Post #344
Senior Satire Officer Senior Member 1,636 posts Joined: Aug 2005 From: Vault 13	QUOTE(2387581 @ Feb 14 2017, 08:57 AM) There are many funds which do not distribute units...? For example CIMB Greater China, Manulife US I guess for those funds, you have to enter and take your profit at the right time.
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T231H	Feb 14 2017, 09:03 AM Show posts by this member only \| Post #345
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(2387581 @ Feb 14 2017, 08:57 AM) There are many funds which do not distribute units...? For example CIMB Greater China, Manulife US thanks for the info but then, does it make any different? this still applicable..... http://www.cimb-principal.com.my/Investor_...rust_Funds.aspx Distribution in UT is Left pocket out Right pocket in. but perhaps should I change the wording from I think I found the missing thing....those extra units from distributions to I think I may have found the missing thing....those extra units from distributions This post has been edited by T231H: Feb 14 2017, 09:08 AM
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T231H	Feb 14 2017, 09:06 AM Show posts by this member only \| Post #346
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(killdavid @ Feb 14 2017, 09:00 AM) I guess for those funds, you have to enter and take your profit at the right time. Shouldn't this be applicable to ALL funds instead of those funds?
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killdavid	Feb 14 2017, 09:18 AM Show posts by this member only \| Post #347
Senior Satire Officer Senior Member 1,636 posts Joined: Aug 2005 From: Vault 13	QUOTE(T231H @ Feb 14 2017, 09:06 AM) Shouldn't this be applicable to ALL funds instead of those funds? But like you said right, in his scenario, over time the fund has distributions and he accumulated more units. So even when the NAV grows back, it grows back with compound interest via the additional units he posses. But with no distributions and re-invest, then the value of his investment is solely depending on NAV. So even when the fund starts to go up, it would be with his 1000 units. Do correct me if i'm wrong. I'm also learning. This post has been edited by killdavid: Feb 14 2017, 09:18 AM
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T231H	Feb 14 2017, 09:41 AM Show posts by this member only \| Post #348
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(killdavid @ Feb 14 2017, 09:18 AM) But like you said right, in his scenario, over time the fund has distributions and he accumulated more units. So even when the NAV grows back, it grows back with compound interest via the additional units he posses. But with no distributions and re-invest, then the value of his investment is solely depending on NAV. So even when the fund starts to go up, it would be with his 1000 units. Do correct me if i'm wrong. I'm also learning. For funds that has no distribution...there suppose to hv nav growth. Thus accunulation of growth in nav. The nav growth accunulation over the yrs is the buffer to correction or dips. To me for the funds that has distribution.....the extra units accumulated is the buffer.
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kazekage_09	Feb 14 2017, 10:05 AM Show posts by this member only \| Post #349
On my way Junior Member 511 posts Joined: May 2009	This maybe out of topic but why you all think those high net worth people really confident to invest really big cash lump sum, sometimes up to RM1 million into UT when approach by agents?
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puchongite	Feb 14 2017, 10:18 AM Show posts by this member only \| Post #350
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(kazekage_09 @ Feb 14 2017, 10:05 AM) This maybe out of topic but why you all think those high net worth people really confident to invest really big cash lump sum, sometimes up to RM1 million into UT when approach by agents? Sorry what is the question ? Are you saying there is nobody will invest in UT upto a million ? p/s: Just want to confirm my understanding of the question. This post has been edited by puchongite: Feb 14 2017, 10:33 AM
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UBBA	Feb 14 2017, 10:19 AM Show posts by this member only \| Post #351
New Member Newbie 1 posts Joined: Feb 2017	Hi Sifus, wondering what do you all think of my portfolio. Currently still berry new... AFFIN HWANG SELECT BOND FUND - MYR 10% RHB EMERGING MARKETS BOND FUND 10% CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND - MYR 20% CIMB-PRINCIPAL GREATER CHINA EQUITY FUND 10% AMASIA PACIFIC REITS - CLASS B (MYR) 20% CIMB-PRINCIPAL CHINA INDIA INDONESIA EQUITY FUND 10% TA GLOBAL TECHNOLOGY FUND 10% CIMB PRINCIPAL GLOBAL TITANS 10%
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Avangelice	Feb 14 2017, 10:24 AM Show posts by this member only \| Post #352
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(UBBA @ Feb 14 2017, 10:19 AM) Hi Sifus, wondering what do you all think of my portfolio. Currently still berry new... AFFIN HWANG SELECT BOND FUND - MYR 10% RHB EMERGING MARKETS BOND FUND 10% CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND - MYR 20% CIMB-PRINCIPAL GREATER CHINA EQUITY FUND 10% AMASIA PACIFIC REITS - CLASS B (MYR) 20% CIMB-PRINCIPAL CHINA INDIA INDONESIA EQUITY FUND 10% TA GLOBAL TECHNOLOGY FUND 10% CIMB PRINCIPAL GLOBAL TITANS 10% Cimb Greater Chinese or Cimb China India Indonesia TA Global or Global Titans.
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inquiries	Feb 14 2017, 10:34 AM Show posts by this member only \| Post #353
Getting Started Junior Member 273 posts Joined: Jan 2017	QUOTE(T231H @ Feb 14 2017, 09:41 AM) For funds that has no distribution...there suppose to hv nav growth. Thus accunulation of growth in nav. The nav growth accunulation over the yrs is the buffer to correction or dips. To me for the funds that has distribution.....the extra units accumulated is the buffer. I personally agree with how T231H explains this. I am not even sure if the term "compound interest" should be used in anything other than deposits (and in some cases, loan). If the term "compound interest" is acceptable in Unit Trust, then perhaps the buffer analogy is a good way to let newcomers understand difference between deposits and UT (where profit is based on capital gain).
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j.passing.by	Feb 14 2017, 10:44 AM Show posts by this member only \| Post #354
Regular Senior Member 1,639 posts Joined: Nov 2010	QUOTE(contestchris @ Feb 14 2017, 12:02 AM) Leave profits in the fund = the power of compound interest. Let it ride the up and downs. At 8% yearly returns your money will double in 9 years time if you do not touch the profits at all. If you take the profits, you only get 72% returns, rather than 100% returns, within that 9 year period. QUOTE(Ramjade @ Feb 14 2017, 12:04 AM) Not true. You can skim profit and when it's low pump back the profit. What is not true? And how is a simple statement on compounding returns not true? No doubt, the nav price will may be moving up and down daily, but if its net weekly growth maybe positive. It maybe negative growth for this week, and it could be net positive by the end of the month. It maybe negative for the month, and still be net positive for the year... So say, the profit is trimed this month, and the fund's performance continues to grow next month... there is no compounded growth since the 'profit', that was already taken out, did not 'grow'. Initially, the difference may not be significant , but compounded it 50 or 100 times over... Don't you remember what you qouted a few pages back on an example on what compounding can do on a smaller sum of invested money? (The smaller sum invested due to service charges.) BTW. Why just trim profit? If you think the market will be bad in near future, might as well take all out. Just trimming the weekly or monthly or yearly profit of several percent is not going to help mitigate the negative growth on the remaining 100%. By your thoughts of "skim profit and pump back when it is low", this shows that you have yet to begin any regular UT investments. Still a student depending on monthly allowance from parents? This post has been edited by j.passing.by: Feb 14 2017, 10:46 AM
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puchongite	Feb 14 2017, 10:59 AM Show posts by this member only \| Post #355
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(j.passing.by @ Feb 14 2017, 10:44 AM) What is not true? And how is a simple statement on compounding returns not true? No doubt, the nav price will may be moving up and down daily, but if its net weekly growth maybe positive. It maybe negative growth for this week, and it could be net positive by the end of the month. It maybe negative for the month, and still be net positive for the year... So say, the profit is trimed this month, and the fund's performance continues to grow next month... there is no compounded growth since the 'profit', that was already taken out, did not 'grow'. Initially, the difference may not be significant , but compounded it 50 or 100 times over... Don't you remember what you qouted a few pages back on an example on what compounding can do on a smaller sum of invested money? (The smaller sum invested due to service charges.) BTW. Why just trim profit? If you think the market will be bad in near future, might as well take all out. Just trimming the weekly or monthly or yearly profit of several percent is not going to help mitigate the negative growth on the remaining 100%. By your thoughts of "skim profit and pump back when it is low", this shows that you have yet to begin any regular UT investments. Still a student depending on monthly allowance from parents? Yes I don't believe in this idea of "skim profit" thing which is often talked about in this thread, mentioned by many people. "skimming profit" is just effectively "reduce your investment or exposure" in a fund. The worst is that "skimming profit" gives people an impression as if the capital can be protected by doing "skimming profit". Which it can't !
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vincabby	Feb 14 2017, 11:03 AM Show posts by this member only \| IPv6 \| Post #356
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(puchongite @ Feb 14 2017, 10:59 AM) Yes I don't believe in this idea of "skim profit" thing which is often talked about in this thread, mentioned by many people. "skimming profit" is just effectively "reduce your investment or exposure" in a fund. The worst is that "skimming profit" gives people an impression as if the capital can be protected by doing "skimming profit". Which it can't ! so with you it's all or nothing then? in terms of taking it out.
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puchongite	Feb 14 2017, 11:06 AM Show posts by this member only \| Post #357
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(vincabby @ Feb 14 2017, 11:03 AM) so with you it's all or nothing then? in terms of taking it out. No I don't mean that. "Skimming profit" means only take the profit portion and put it somewhere else. If one wants to scale down exposure, he can scale down any amount he likes, not limiting to the profit portion only.
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TSAIYH	Feb 14 2017, 11:08 AM Show posts by this member only \| Post #358
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(vincabby @ Feb 14 2017, 11:03 AM) so with you it's all or nothing then? in terms of taking it out. Skimming profit effectively reduce your chance for future growth. Reinvesting the profit elsewhere will also charge you SC (in UT) or commissions (in stock trading) If you believe the region is going to bearish soon, sell all will be better than skim profit since you will still expose your capital to the bearish risk
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wodenus	Feb 14 2017, 11:15 AM Show posts by this member only \| Post #359
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(contestchris @ Feb 13 2017, 11:21 PM) http://www.singaporelaw.sg/sglaw/laws-of-s...r-2010-sghc-277 27 It is not disputed that as a result of the rise in UET’s share price at the material time, 15 funds within the Pheim Group recorded a $1,086,989 increase in their NAVs. It is also not disputed that three accounts, namely Accounts 28 (ie, the Vittoria Fund), 101 and 106 would not have outperformed their benchmark returns for 2004 but for the rise in UET’s share price at the material time. As a consequence, Pheim Singapore earned an additional $50,000 in fees arising from the outperformance. Thanks so they indulged in some window dressing to earn some extra fees
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vincabby	Feb 14 2017, 11:16 AM Show posts by this member only \| IPv6 \| Post #360
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(AIYH @ Feb 14 2017, 11:08 AM) Skimming profit effectively reduce your chance for future growth. Reinvesting the profit elsewhere will also charge you SC (in UT) or commissions (in stock trading) If you believe the region is going to bearish soon, sell all will be better than skim profit since you will still expose your capital to the bearish risk got it thanks.
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drew86	Feb 14 2017, 12:01 PM Show posts by this member only \| Post #361
Getting Started Junior Member 197 posts Joined: Sep 2007	Much agreed. From a layman's perspective, I don't think "skimming" profit actually does anything to protect capital or mitigate risk (if only the profit portion is sold). Plus the money will be floating yet again for the entire duration of the switch/buy/sell transactions AND you will have to incur SC once again when buying into another equity (not if intra switch/credit ninja trick is performed). Furthermore, isn't selling off and buy back when low "timing the market?" Let's not get back into that. If one can do it timely and consistently, good for you! I know I can't.. The only time skimming profit to put in another less performing/greater bullish potential fund, in my opinion is when there is no new capital injection and thus performing rebalancing of the portfolio. Otherwise why not just VCA and avoid the "expensive" fund for the tine being? Please correct me if I'm having the wrong perception of things here. After all I'm still learning as I'm investing.
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TSAIYH	Feb 14 2017, 12:10 PM Show posts by this member only \| Post #362
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(drew86 @ Feb 14 2017, 12:01 PM) Much agreed. From a layman's perspective, I don't think "skimming" profit actually does anything to protect capital or mitigate risk (if only the profit portion is sold). Plus the money will be floating yet again for the entire duration of the switch/buy/sell transactions AND you will have to incur SC once again when buying into another equity (not if intra switch/credit ninja trick is performed). Furthermore, isn't selling off and buy back when low "timing the market?" Let's not get back into that. If one can do it timely and consistently, good for you! I know I can't.. The only time skimming profit to put in another less performing/greater bullish potential fund, in my opinion is when there is no new capital injection and thus performing rebalancing of the portfolio. Otherwise why not just VCA and avoid the "expensive" fund for the tine being? Please correct me if I'm having the wrong perception of things here. After all I'm still learning as I'm investing. Different people have different view maybe If really want to skim or transfer your money into different funds in different timing to maximize growth opportunity, try to invest in the funds that the fund house has several good equities and bonds arsenal, so that you can intra switch between them in different times of the bull bear cycles Fund houses like Eastspring, Affin Hwang and CIMB are actually good fund houses with free switching
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Avangelice	Feb 14 2017, 12:18 PM Show posts by this member only \| Post #363
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	If you guys really want profit skimming and injecting the said profits back to a fund you can start investing in dividend paying stocks and hold it for a long time, the dividends is then channeled from your bank account and into your unit trust portfolio. That is what I am doing currently. Leaving my unit trust investment as a long term vehicle (as it should be) whist concentrating on my stock account.
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drew86	Feb 14 2017, 12:45 PM Show posts by this member only \| Post #364
Getting Started Junior Member 197 posts Joined: Sep 2007	QUOTE(AIYH @ Feb 14 2017, 12:10 PM) Different people have different view maybe If really want to skim or transfer your money into different funds in different timing to maximize growth opportunity, try to invest in the funds that the fund house has several good equities and bonds arsenal, so that you can intra switch between them in different times of the bull bear cycles Fund houses like Eastspring, Affin Hwang and CIMB are actually good fund houses with free switching True that. However what if one is doing DCA say RM200/month, wouldn't it be better to channel the RM200 to other less "expensive" funds rather than skimming the profit earlier and then incur SC again to DCA into the said fund? A bit redundant in my view. What would you or others do? QUOTE(Avangelice @ Feb 14 2017, 12:18 PM) If you guys really want profit skimming and injecting the said profits back to a fund you can start investing in dividend paying stocks and hold it for a long time, the dividends is then channeled from your bank account and into your unit trust portfolio. That is what I am doing currently. Leaving my unit trust investment as a long term vehicle (as it should be) whist concentrating on my stock account. +1 Good idea. Personally I'm not at all informed about stocks and its technicalities as an investment vehicle. Not sure if I have the balls to jump on board. Anyways never too late to learn something new. OT a bit: any suggestions where to learn about stocks for beginners? This post has been edited by drew86: Feb 14 2017, 12:46 PM
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Avangelice	Feb 14 2017, 01:12 PM Show posts by this member only \| Post #365
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(drew86 @ Feb 14 2017, 12:45 PM) True that. However what if one is doing DCA say RM200/month, wouldn't it be better to channel the RM200 to other less "expensive" funds rather than skimming the profit earlier and then incur SC again to DCA into the said fund? A bit redundant in my view. What would you or others do? +1 Good idea. Personally I'm not at all informed about stocks and its technicalities as an investment vehicle. Not sure if I have the balls to jump on board. Anyways never too late to learn something new. OT a bit: any suggestions where to learn about stocks for beginners? ask and you shall receive. https://kclau.com/investment/how-to-trade-s...nvesting-basic/
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fjoru103	Feb 14 2017, 01:23 PM Show posts by this member only \| Post #366
On my way Junior Member 645 posts Joined: Sep 2005	HI Sifus, Its been a while I use fundsupermart, generally i just put there and never look at it Current holding Affin Hwang Select Asia (Ex Japan) Quantum Fund 50% of the capital CIMB-Principal Asia Pacific Dynamic Income Fund - MYR 25% of the capital CIMB-Principal Global Titans Fund 25% of the capital My invested capital little, plan to up a little, any suggestion sifus? Or should i top up the Affin Hwang quantum fund?
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T231H	Feb 14 2017, 01:27 PM Show posts by this member only \| Post #367
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(fjoru103 @ Feb 14 2017, 01:23 PM) HI Sifus, Its been a while I use fundsupermart, generally i just put there and never look at it Current holding Affin Hwang Select Asia (Ex Japan) Quantum Fund 50% of the capital CIMB-Principal Asia Pacific Dynamic Income Fund - MYR 25% of the capital CIMB-Principal Global Titans Fund 25% of the capital My invested capital little, plan to up a little, any suggestion sifus? Or should i top up the Affin Hwang quantum fund? quick general summary view is that you have 75% in Asia Pac 8% in US 8% in Japan 8% in Europe. you wanna top up Asia pac again? try consider some % in Gold, commodities, India and Technology?
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wodenus	Feb 14 2017, 01:34 PM Show posts by this member only \| Post #368
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(drew86 @ Feb 14 2017, 12:45 PM) True that. However what if one is doing DCA say RM200/month, wouldn't it be better to channel the RM200 to other less "expensive" funds rather than skimming the profit earlier and then incur SC again to DCA into the said fund? A bit redundant in my view. What would you or others do? +1 Good idea. Personally I'm not at all informed about stocks and its technicalities as an investment vehicle. Not sure if I have the balls to jump on board. Anyways never too late to learn something new. OT a bit: any suggestions where to learn about stocks for beginners? You don't need balls you just need a lot of money and time. I think there's a stock thread, you can read there and see.. TLDR you have to do your due diligence - visit the company that you are planning to invest in, if they own hotels etc. visit it, stay there for a while to get a feel of how they run things. Read the annual reports, interim reports etc - be very aware that "creative accounting" can be used, so don't rely on that 100%. And then technicals of course.. the trend and volume. Stuff like P/E and a whole lot of stats that I've already forgotten - price/sales ratio, EPS etc. Ask people you know, your friends and family, what they think of the company and the things they do. Find out as much as you can about the management, listen to the way they talk - you can get a lot of clues from the way they talk, the clothes they wear, the way they sit, the way they treat other people etc. Above all.. read. A lot. Read all the local major news websites every day. Search google for references to the companies that you are planning to invest in. Keep asking why.. why is the P/E so low (or high?) why is the turnover so high, but there's hardly any profit? Conduct a SWOT analysis.. what are their SWOTs and how do they plan to mitigate/take advantage of them? http://ctb.ku.edu/en/table-of-contents/ass...t-analysis/main Do this every day. Sometimes bad things happen, and the market overreacts. The market pretty much always overreacts to things - for instance the Komugi rat issue. You can see everyone (including me) thinking that they won't be affected by this.. but sooner or later people always overreact, as you can see in IGBREIT early November. So there's lesson #1 in value investing - people always overreact to bad news. Case #2 - September 11, 2001 - http://www.investopedia.com/financial-edge...ock-market.aspx This is a good time to top up. You will need to be very fast when it happens. QUOTE On the first day of NYSE trading after 9/11, the market fell 684 points, a 7.1% decline, setting a record for the biggest loss in exchange history for one trading day. Be aware of thin volume. If you offer to buy/sell in large volume in a thinly traded counter, you might cause a price spike/crash. You might end up in a pretty bad position financially, after it's all matched. Also, depending on the exchange, trading on the counter may be halted and you may be investigated. Do all that every day, for a few hundred counters and maybe you can beat a good mutual fund long term, if you don't end up in a bad position due to undiagnosed age-related dementia, or parkinson's or alzheimer's or whatever. This post has been edited by wodenus: Feb 15 2017, 11:28 AM
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imnotabot	Feb 14 2017, 01:39 PM Show posts by this member only \| Post #369
On my way Junior Member 531 posts Joined: Oct 2016	My current holdings (only Shariah-approved funds): - Aberdeen World Equity Fund: 38% - CIMB Islamic Asia Pacific ex Japan Fund: 20% - PMB Shariah Aggressive Fund: 4% - RHB Islamic Bond Fund: 38% Any comments or advice on where I should invest next?
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MUM	Feb 14 2017, 01:46 PM Show posts by this member only \| Post #370
10k Club All Stars 14,854 posts Joined: Mar 2015	QUOTE(imnotabot @ Feb 14 2017, 01:39 PM) My current holdings (only Shariah-approved funds): - Aberdeen World Equity Fund: 38% - CIMB Islamic Asia Pacific ex Japan Fund: 20% - PMB Shariah Aggressive Fund: 4% - RHB Islamic Bond Fund: 38% Any comments or advice on where I should invest next? perhaps..India?
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frankzane	Feb 14 2017, 01:48 PM Show posts by this member only \| Post #371
On my way Junior Member 664 posts Joined: Dec 2006	QUOTE(T231H @ Feb 14 2017, 01:27 PM) quick general summary view is that you have 75% in Asia Pac 8% in US 8% in Japan 8% in Europe. you wanna top up Asia pac again? try consider some % in Gold, commodities, India and Technology? Can please recommend which fund that invests in Gold and commodities?
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T231H	Feb 14 2017, 01:51 PM Show posts by this member only \| Post #372
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(frankzane @ Feb 14 2017, 01:48 PM) Can please recommend which fund that invests in Gold and commodities? try use the FSM fund selector tool? btw, i don't like those fund...my heart cannot take it.
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imnotabot	Feb 14 2017, 01:52 PM Show posts by this member only \| Post #373
On my way Junior Member 531 posts Joined: Oct 2016	QUOTE(MUM @ Feb 14 2017, 01:46 PM) perhaps..India? I just checked, I don't think there's any India funds that are Shariah-compliant on FSM.
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MUM	Feb 14 2017, 01:55 PM Show posts by this member only \| Post #374
10k Club All Stars 14,854 posts Joined: Mar 2015	QUOTE(imnotabot @ Feb 14 2017, 01:52 PM) I just checked, I don't think there's any India funds that are Shariah-compliant on FSM. i am not an expert in religion..but i think there is some way to atone for it?...perhaps zakat?
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puchongite	Feb 14 2017, 01:59 PM Show posts by this member only \| Post #375
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(frankzane @ Feb 14 2017, 01:48 PM) Can please recommend which fund that invests in Gold and commodities? Try to search on RHB Gold and General Fund. I believe it is one of the best. Top performer, last month 20% gain, one year 88% gain. LOL.
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j.passing.by	Feb 14 2017, 02:03 PM Show posts by this member only \| Post #376
Regular Senior Member 1,639 posts Joined: Nov 2010	QUOTE(LazyKurosaki @ Feb 13 2017, 06:55 PM) I planning to put my.first 1k saving into affin hwang select asia ex jpn quantum fund / TA Global Technology fund..subsequently I will add in rm 150-200 every month while continue to save money until enuf money den buy into diff fund..will it be a good choice? Just started working..not much spare to invest QUOTE(LazyKurosaki @ Feb 13 2017, 08:01 PM) Thanks but I dont.get what is RSP..issit we pay every month den FSM will use our money and invest in diff diff funds ? The difference is that you could start a fund with RM100 instead of the usual 1k. Then, in a DCA regular investment, it is more 'average' and not too lopsided if the monthly amount is very small, say RM100. This lopside skew to lower returns would happened if there is an immediate drop after you put in the initial 1000. Then the monthly RM100 fresh purchases will be hard to catch up and skew the returns to a higher effective rate of return. You will be like, after 3-5 months, thinking: damp this fund no good as it is barely breaking even... if only if I had put it into FD... And if it happens to be a sharp growth after you dump in the 1k, you would be like very pleased with yourself... thinking why so stingy when I should pump in more! Your initial plan - 1k, followed by 150-200 every month, is good. Take one fund at a time. You don't have to immediately start off with several funds. The time to consider to have another fund or a few more funds to 'diversify' the investment is when you have reach about half of your targeted sum of money you want to have.* Anyway, always keep in mind the objective of the investment. Know what you want to do, make a plan, and stick to the plan. Repeat: Know what you want to do, make a plan, and stick to the plan. Don't be like don't know what to do next in the middle of your investment plan, and asking what to do: trim profit or switch to another fund... or whatever that freak you out and cause you to panic... It is a given fact that equity fund can be volatile, and will be volatile and is expected to be volatile. So no reasons to make any changes to the plan once you started it. Stick to the plan! ================ * This about half of the targeted total amount of money to have is based on my own opinion. Not based on any stats or numbers or articles read. If you are more conservative and not willing to ride 100% on one fund, then 'diversify' earlier. Try not to 'diversify' too early, especially when the amount of money invested is relatively small to whatever asset you have outside of UT fund. Take the risk - and more risk - when you are still young and have the time to do so.
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SUSDavid83	Feb 14 2017, 02:06 PM Show posts by this member only \| Post #377
20k VIP Club All Stars 52,874 posts Joined: Jan 2003	QUOTE(puchongite @ Feb 14 2017, 01:59 PM) Try to search on RHB Gold and General Fund. I believe it is one of the best. Top performer, last month 20% gain, one year 88% gain. LOL. When gold price tumbles and some reported loss of nearly 50% in this fund, the cursing started aloud. Now this fund has turned into a blessing? A little sarcastic perhaps!
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frankzane	Feb 14 2017, 02:13 PM Show posts by this member only \| Post #378
On my way Junior Member 664 posts Joined: Dec 2006	QUOTE(puchongite @ Feb 14 2017, 01:59 PM) Try to search on RHB Gold and General Fund. I believe it is one of the best. Top performer, last month 20% gain, one year 88% gain. LOL. Thanks! Would this kind of fund any better than if I invest purely in gold account such as from PB, CIMB, Maybank, etc....
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puchongite	Feb 14 2017, 02:14 PM Show posts by this member only \| Post #379
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(David83 @ Feb 14 2017, 02:06 PM) When gold price tumbles and some reported loss of nearly 50% in this fund, the cursing started aloud. Now this fund has turned into a blessing? A little sarcastic perhaps! That will be expected. High risk means can win big also can lose big.
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vincabby	Feb 14 2017, 02:24 PM Show posts by this member only \| IPv6 \| Post #380
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(David83 @ Feb 14 2017, 02:06 PM) When gold price tumbles and some reported loss of nearly 50% in this fund, the cursing started aloud. Now this fund has turned into a blessing? A little sarcastic perhaps! up and down is part of life in market. rhb smart treasure had his great year, then was shit after. rhb gold same la. always go for fundamentals, not what people is shouting.
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puchongite	Feb 14 2017, 02:25 PM Show posts by this member only \| Post #381
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(frankzane @ Feb 14 2017, 02:13 PM) Thanks! Would this kind of fund any better than if I invest purely in gold account such as from PB, CIMB, Maybank, etc.... Sorry can't advise. I don't have any gold account or gold unit trust. Have been talking about wanting to invest in it, but months have past, and the fund has gained a few tens of percent, I am still having 0 units of it.
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Ramjade	Feb 14 2017, 02:33 PM Show posts by this member only \| Post #382
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(frankzane @ Feb 14 2017, 01:48 PM) Can please recommend which fund that invests in Gold and commodities? RHB Gold and General Fund, Precious Metal Securities QUOTE(frankzane @ Feb 14 2017, 02:13 PM) Thanks! Would this kind of fund any better than if I invest purely in gold account such as from PB, CIMB, Maybank, etc.... If want to buy gold better to get from UOB as they have the smallest spread. Banks spread is too large. Best is buy gold fund as one only need to pay 2% SC.
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LazyKurosaki	Feb 14 2017, 03:11 PM Show posts by this member only \| IPv6 \| Post #383
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	QUOTE(j.passing.by @ Feb 14 2017, 02:03 PM) The difference is that you could start a fund with RM100 instead of the usual 1k. Then, in a DCA regular investment, it is more 'average' and not too lopsided if the monthly amount is very small, say RM100. This lopside skew to lower returns would happened if there is an immediate drop after you put in the initial 1000. Then the monthly RM100 fresh purchases will be hard to catch up and skew the returns to a higher effective rate of return. You will be like, after 3-5 months, thinking: damp this fund no good as it is barely breaking even... if only if I had put it into FD... And if it happens to be a sharp growth after you dump in the 1k, you would be like very pleased with yourself... thinking why so stingy when I should pump in more! Your initial plan - 1k, followed by 150-200 every month, is good. Take one fund at a time. You don't have to immediately start off with several funds. The time to consider to have another fund or a few more funds to 'diversify' the investment is when you have reach about half of your targeted sum of money you want to have.* Anyway, always keep in mind the objective of the investment. Know what you want to do, make a plan, and stick to the plan. Repeat: Know what you want to do, make a plan, and stick to the plan. Don't be like don't know what to do next in the middle of your investment plan, and asking what to do: trim profit or switch to another fund... or whatever that freak you out and cause you to panic... It is a given fact that equity fund can be volatile, and will be volatile and is expected to be volatile. So no reasons to make any changes to the plan once you started it. Stick to the plan! ================ * This about half of the targeted total amount of money to have is based on my own opinion. Not based on any stats or numbers or articles read. If you are more conservative and not willing to ride 100% on one fund, then 'diversify' earlier. Try not to 'diversify' too early, especially when the amount of money invested is relatively small to whatever asset you have outside of UT fund. Take the risk - and more risk - when you are still young and have the time to do so. I agreed..im young.and.looking.into growth fund..willing.to.take the risk..thats why im still looking into 2 funds, affin hwang select asia ex jpn quantum.fund and TA global technology fund.. still undecided which to go..
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Ramjade	Feb 14 2017, 03:12 PM Show posts by this member only \| Post #384
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(LazyKurosaki @ Feb 14 2017, 03:11 PM) I agreed..im young.and.looking.into growth fund..willing.to.take the risk..thats why im still looking into 2 funds, affin hwang select asia ex jpn quantum.fund and TA global technology fund.. still undecided which to go.. Pick both.
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coolguy99	Feb 14 2017, 03:16 PM Show posts by this member only \| Post #385
Look at all my stars!! Senior Member 7,343 posts Joined: Aug 2015	hi sifus, i am very new to FSM, i want to know if there is any risk associated with buying funds via FSM? my intention was to buy PRS funds so that i can claim for income tax relief for year 2017 in year 2018. which fund would you recommend? thanks in advance.
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Ramjade	Feb 14 2017, 03:26 PM Show posts by this member only \| Post #386
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(coolguy99 @ Feb 14 2017, 03:16 PM) hi sifus, i am very new to FSM, i want to know if there is any risk associated with buying funds via FSM? my intention was to buy PRS funds so that i can claim for income tax relief for year 2017 in year 2018. which fund would you recommend? thanks in advance. I am not sifu but these are some I can think of my head. (i) you panic you sell you incur a loss (ii) you get <=FD rate which means you didn't beat inflation Which fund? Normal UT or PRS?
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coolguy99	Feb 14 2017, 03:30 PM Show posts by this member only \| Post #387
Look at all my stars!! Senior Member 7,343 posts Joined: Aug 2015	QUOTE(Ramjade @ Feb 14 2017, 03:26 PM) I am not sifu but these are some I can think of my head. (i) you panic you sell you incur a loss (ii) you get <=FD rate which means you didn't beat inflation Which fund? Normal UT or PRS? im starting off with PRS first. any recommendation?
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Ramjade	Feb 14 2017, 03:33 PM Show posts by this member only \| Post #388
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(coolguy99 @ Feb 14 2017, 03:30 PM) im starting off with PRS first. any recommendation? Only 3. Depend on what you want. Cimb PRS asia pacific (feeds into ponzi 2) Kenanga one PRS (feeds into kenanga growth fund) Amasia PRS REITS (feeds into Amasia Pacific reits)
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coolguy99	Feb 14 2017, 03:36 PM Show posts by this member only \| Post #389
Look at all my stars!! Senior Member 7,343 posts Joined: Aug 2015	QUOTE(Ramjade @ Feb 14 2017, 03:33 PM) Only 3. Depend on what you want. Cimb PRS asia pacific (feeds into ponzi 2) Kenanga one PRS (feeds into kenanga growth fund) Amasia PRS REITS (feeds into Amasia Pacific reits) thanks man. i'll look into these funds. any idea why registering with FSM requires EPF account number?
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TSAIYH	Feb 14 2017, 03:45 PM Show posts by this member only \| Post #390
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(coolguy99 @ Feb 14 2017, 03:36 PM) thanks man. i'll look into these funds. any idea why registering with FSM requires EPF account number? thats optional if not mistaken, unless u wanna invest with epf money
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Avangelice	Feb 14 2017, 03:50 PM Show posts by this member only \| Post #391
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	Wow so many new members
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skynode	Feb 14 2017, 03:52 PM Show posts by this member only \| Post #392
Getting Started Junior Member 175 posts Joined: Dec 2007	QUOTE(Avangelice @ Feb 14 2017, 12:18 PM) If you guys really want profit skimming and injecting the said profits back to a fund you can start investing in dividend paying stocks and hold it for a long time, the dividends is then channeled from your bank account and into your unit trust portfolio. That is what I am doing currently. Leaving my unit trust investment as a long term vehicle (as it should be) whist concentrating on my stock account. How many years have you practised as a doctor? Do you often hunt extra income through locums?
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skynode	Feb 14 2017, 03:57 PM Show posts by this member only \| Post #393
Getting Started Junior Member 175 posts Joined: Dec 2007	QUOTE(drew86 @ Feb 14 2017, 12:45 PM) True that. However what if one is doing DCA say RM200/month, wouldn't it be better to channel the RM200 to other less "expensive" funds rather than skimming the profit earlier and then incur SC again to DCA into the said fund? A bit redundant in my view. What would you or others do? +1 Good idea. Personally I'm not at all informed about stocks and its technicalities as an investment vehicle. Not sure if I have the balls to jump on board. Anyways never too late to learn something new. OT a bit: any suggestions where to learn about stocks for beginners? https://www.drwealth.com/2014/05/14/analysi...-cnav-strategy/ This seems like a logical strategy though I have yet to try. Anyone been to the talk or had any experience with Conservative Net Asset Value strategy?
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drew86	Feb 14 2017, 04:00 PM Show posts by this member only \| Post #394
Getting Started Junior Member 197 posts Joined: Sep 2007	QUOTE(Avangelice @ Feb 14 2017, 01:12 PM) ask and you shall receive. https://kclau.com/investment/how-to-trade-s...nvesting-basic/ QUOTE(wodenus @ Feb 14 2017, 01:34 PM) You don't need balls you just need a lot of money and time. I think there's a stock thread, you can read there and see.. TLDR you have to do your due diligence - visit the company that you are planning to invest in, if they own hotels etc. visit it, stay there for a while to get a feel of how the run things. Read the annual reports, interim reports etc - be very aware that "creative accounting" can be used, so don't rely on that 100%. And then technicals of course.. the trend and volume. Stuff like P/E and a whole lot of stats that I've already forgotten - price/sales ratio, EPS etc. Thanks! QUOTE(skynode @ Feb 14 2017, 03:52 PM) How many years have you practised as a doctor? Do you often hunt extra income through locums? You can guess from his age. I believe he owns a clinic so he's either locuming for himself or hiring locums. Anyway why do all these matter? This post has been edited by drew86: Feb 14 2017, 04:04 PM
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skynode	Feb 14 2017, 04:03 PM Show posts by this member only \| Post #395
Getting Started Junior Member 175 posts Joined: Dec 2007	QUOTE(drew86 @ Feb 14 2017, 04:00 PM) You can guess from his age. I believe he owns a clinic so he's either locuming for himself or hiring locums. Anyway why does all these matter? Where's the number? Coz I am in the same line of work as him. LoL. Just curious how do people earn extra dough from doing this shit nowadays. This post has been edited by skynode: Feb 14 2017, 04:04 PM
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drew86	Feb 14 2017, 04:06 PM Show posts by this member only \| Post #396
Getting Started Junior Member 197 posts Joined: Sep 2007	QUOTE(skynode @ Feb 14 2017, 04:03 PM) Where's the number? Coz I am in the same line of work as him. LoL. Just curious how do people earn extra dough from doing this shit nowadays. Start preparing your resume and PM Avangelice LOL
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j.passing.by	Feb 14 2017, 04:28 PM Show posts by this member only \| Post #397
Regular Senior Member 1,639 posts Joined: Nov 2010	QUOTE(LazyKurosaki @ Feb 14 2017, 03:11 PM) I agreed..im young.and.looking.into growth fund..willing.to.take the risk..thats why im still looking into 2 funds, affin hwang select asia ex jpn quantum.fund and TA global technology fund.. still undecided which to go.. I don't know both funds... and just by basing the choice on their names. I'll pick the Asia fund... cause Global tech sounds heavy on USA and tech companies... and all the indices, Dow, S&P, Russell 2000 and Nasdac are at record high at the moment. Apple stock is at all time record high. If still undecided and don't trust my 'analitycal' pick, then flip a coin. If the investment period is long enough, there may not be much difference between them in the long run... maybe 10-20% difference - which is sap sap sui when the total returns is 300% or more. Like I would be very, very upset to get only 290% ROI instead of 310%... ========== "very, very" - 2017's popular phrase.
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imnotabot	Feb 14 2017, 04:34 PM Show posts by this member only \| Post #398
On my way Junior Member 531 posts Joined: Oct 2016	QUOTE(MUM @ Feb 14 2017, 01:55 PM) i am not an expert in religion..but i think there is some way to atone for it?...perhaps zakat? I don't think so. Never mind then. Other than India, is it worth investing in greater china? For example, how about this fund: Eastspring Investments Dinasti Equity Fund?
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Avangelice	Feb 14 2017, 04:47 PM Show posts by this member only \| Post #399
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(skynode @ Feb 14 2017, 03:52 PM) How many years have you practised as a doctor? Do you often hunt extra income through locums? late night house calls to vips and tan sris and working over time. I learned this trick from one of my tutors. treat one right and he or she will start bringing friends over. also I am a specialist in orthopedic medicine, everyone has a back pain these days. think about it, look at children these days. wake up super early, sit in class rooms from morning to afternoon, tuition classes from noon to night, no sun, lots of ipads and iPhones going around but not exercising. then they graduate from unis, they slog their entire lives in front of the pc and have erratic sleeping schedules. sad to say it's going to be a lucrative business because it's better to treat a disc prolapse or total knee replacement rather than treating a terminal cancer patient
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shinning91	Feb 14 2017, 05:07 PM Show posts by this member only \| Post #400
New Member Junior Member 42 posts Joined: Mar 2010	Hi guys, I am still new into this. Just started to learn about unit trust. What would be a good advice for first timer? I planning to invest 1k first on a fund for at least 6 months and see how it goes. Anything to recommend? This post has been edited by shinning91: Feb 14 2017, 05:07 PM
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chyz66	Feb 14 2017, 05:07 PM Show posts by this member only \| IPv6 \| Post #401
Look at all my stars!! Senior Member 2,805 posts Joined: Feb 2006	QUOTE(Avangelice @ Feb 14 2017, 05:47 PM) I learned this trick from one of my tutors. treat one right and he or she will start bringing friends over. Truth. +1
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Avangelice	Feb 14 2017, 05:10 PM Show posts by this member only \| Post #402
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(shinning91 @ Feb 14 2017, 05:07 PM) Hi guys, I am still new into this. Just started to learn about unit trust. What would be a good advice for first timer? I planning to invest 1k first on a fund for at least 6 months and see how it goes. Anything to recommend? start from Ponzi 2.0. move to fixed income either esther fund or RHB emerging market bond. from there branch to AmAsia REIT. follow on by a develop fund or a global fund. done
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LazyKurosaki	Feb 14 2017, 05:23 PM Show posts by this member only \| IPv6 \| Post #403
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	QUOTE(j.passing.by @ Feb 14 2017, 04:28 PM) I don't know both funds... and just by basing the choice on their names. I'll pick the Asia fund... cause Global tech sounds heavy on USA and tech companies... and all the indices, Dow, S&P, Russell 2000 and Nasdac are at record high at the moment. Apple stock is at all time record high. If still undecided and don't trust my 'analitycal' pick, then flip a coin. If the investment period is long enough, there may not be much difference between them in the long run... maybe 10-20% difference - which is sap sap sui when the total returns is 300% or more. Like I would be very, very upset to get only 290% ROI instead of 310%... ========== "very, very" - 2017's popular phrase. Yup the fund is.heavy on US where 78.4% is allocated in US. Ohter country include.netherland, israel, UK, finland, south korea, japan, france and china.. Some.famous brand listed in top 10 holdings that most ppl know is facebook, apple, mircosoft, samsung electronics, visa, intel and Qualcomm..this fund is considered aggressive.due to high volatility 12.6 On the affin hwang its more to asia side with the fund allocated highest in malaysia. This fund consider growth fund.as volatility lvl 9.2 This post has been edited by LazyKurosaki: Feb 14 2017, 05:24 PM
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MUM	Feb 14 2017, 05:24 PM Show posts by this member only \| Post #404
10k Club All Stars 14,854 posts Joined: Mar 2015	QUOTE(imnotabot @ Feb 14 2017, 04:34 PM) I don't think so. Never mind then. Other than India, is it worth investing in greater china? For example, how about this fund: Eastspring Investments Dinasti Equity Fund? that is also in Asia Pac....but can supplement yr existing CIMB Islamic Asia Pacific ex Japan Fund...can put less than 5~8% in there?
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MUM	Feb 14 2017, 05:25 PM Show posts by this member only \| Post #405
10k Club All Stars 14,854 posts Joined: Mar 2015	QUOTE(shinning91 @ Feb 14 2017, 05:07 PM) Hi guys, I am still new into this. Just started to learn about unit trust. What would be a good advice for first timer? I planning to invest 1k first on a fund for at least 6 months and see how it goes. Anything to recommend? may i suggest you invest for at least 3~5 yrs to see how it goes instead of at least 6 months.
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LazyKurosaki	Feb 14 2017, 05:27 PM Show posts by this member only \| IPv6 \| Post #406
Master of Donut Senior Member 1,139 posts Joined: May 2010 From: Petaling Jaya	QUOTE(Ramjade @ Feb 14 2017, 03:12 PM) Pick both. Issit.btr.for me if I go into one growth or.aggressive fund.and another balanced fund instead of 2 aggressive/growth fund ?
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shinning91	Feb 14 2017, 05:34 PM Show posts by this member only \| Post #407
New Member Junior Member 42 posts Joined: Mar 2010	QUOTE(MUM @ Feb 14 2017, 05:25 PM) may i suggest you invest for at least 3~5 yrs to see how it goes instead of at least 6 months. Is it because not much result for 6 months?
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killdavid	Feb 14 2017, 05:36 PM Show posts by this member only \| Post #408
Senior Satire Officer Senior Member 1,636 posts Joined: Aug 2005 From: Vault 13	AmAsia REIT seems to get more love here than MANULIFE ASIA-PACIFIC REIT. Anyone want to elaborate on this ?
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Avangelice	Feb 14 2017, 05:37 PM Show posts by this member only \| Post #409
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(killdavid @ Feb 14 2017, 05:36 PM) AmAsia REIT seems to get more love here than MANULIFE ASIA-PACIFIC REIT. Anyone want to elaborate on this ? risk to return ratio. tadah
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puchongite	Feb 14 2017, 05:38 PM Show posts by this member only \| Post #410
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(killdavid @ Feb 14 2017, 05:36 PM) AmAsia REIT seems to get more love here than MANULIFE ASIA-PACIFIC REIT. Anyone want to elaborate on this ? No, that's just one person who is more vocal and he loves the fund manager more than the fund itself !
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MUM	Feb 14 2017, 05:38 PM Show posts by this member only \| Post #411
10k Club All Stars 14,854 posts Joined: Mar 2015	QUOTE(shinning91 @ Feb 14 2017, 05:34 PM) Is it because not much result for 6 months? the results may not do justice for the FM......for any movement of their holding to lower valued stocks may need some time to see results... and also the current upswing had been going on for more than a month....most people expects it to correct some time soon. and it also need more time to recover the SC too.
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TSAIYH	Feb 14 2017, 05:45 PM Show posts by this member only \| Post #412
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(killdavid @ Feb 14 2017, 05:36 PM) AmAsia REIT seems to get more love here than MANULIFE ASIA-PACIFIC REIT. Anyone want to elaborate on this ? Their position based on RRR keep switch place, can say both similar but amasia over manulife in REIT: Manulife REIT invest half in singapore, higher concentration risk AmAsia REIT is more diversified and across more countries p/s: some other forummer admire amasia FM, could be the bias though :cough: xuzen :cough: This post has been edited by AIYH: Feb 14 2017, 05:46 PM
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puchongite	Feb 14 2017, 08:13 PM Show posts by this member only \| Post #413
20k VIP Club All Stars 33,585 posts Joined: May 2008	Oh everyday see the balloon gets bigger and bigger ... Every fund is inflating ....
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TSAIYH	Feb 14 2017, 08:35 PM Show posts by this member only \| Post #414
Regular Senior Member 1,166 posts Joined: Jul 2016	My portfolio before it burst (if any) Note: I only started with ponzi 2 on the first investment date due to RSP initial investment requirement other funds coming up and also in and out for RSP on the next RSP date from the first investment date This post has been edited by AIYH: Feb 14 2017, 08:37 PM
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Ramjade	Feb 14 2017, 08:40 PM Show posts by this member only \| Post #415
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(LazyKurosaki @ Feb 14 2017, 05:23 PM) Yup the fund is.heavy on US where 78.4% is allocated in US. Ohter country include.netherland, israel, UK, finland, south korea, japan, france and china.. Some.famous brand listed in top 10 holdings that most ppl know is facebook, apple, mircosoft, samsung electronics, visa, intel and Qualcomm..this fund is considered aggressive.due to high volatility 12.6 On the affin hwang its more to asia side with the fund allocated highest in malaysia. This fund consider growth fund.as volatility lvl 9.2 QUOTE(LazyKurosaki @ Feb 14 2017, 05:27 PM) Issit.btr.for me if I go into one growth or.aggressive fund.and another balanced fund instead of 2 aggressive/growth fund ? Different sector. Hence asking you to pick both. QUOTE(killdavid @ Feb 14 2017, 05:36 PM) AmAsia REIT seems to get more love here than MANULIFE ASIA-PACIFIC REIT. Anyone want to elaborate on this ? I am holding both just to experiment and see which one give me the returns. So far, Manulife is beating Amasia hands down. QUOTE(AIYH @ Feb 14 2017, 08:35 PM) My portfolio before it burst (if any) Note: I only started with ponzi 2 on the first investment date due to RSP initial investment requirement other funds coming up and also in and out for RSP on the next RSP date from the first investment date How did you make it so colourful? This post has been edited by Ramjade: Feb 14 2017, 08:40 PM
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Avangelice	Feb 14 2017, 08:41 PM Show posts by this member only \| Post #416
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(AIYH @ Feb 14 2017, 08:35 PM) My portfolio before it burst (if any) Note: I only started with ponzi 2 on the first investment date due to RSP initial investment requirement other funds coming up and also in and out for RSP on the next RSP date from the first investment date this. perfect example of sikit sikit akan menjadi bukit. doing good there little brother
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TSAIYH	Feb 14 2017, 08:48 PM Show posts by this member only \| Post #417
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 14 2017, 08:40 PM) Different sector. Hence asking you to pick both. I am holding both just to experiment and see which one give me the returns. So far, Manulife is beating Amasia hands down. How did you make it so colourful? QUOTE(Avangelice @ Feb 14 2017, 08:41 PM) this. perfect example of sikit sikit akan menjadi bukit. doing good there little brother Change the highlight color in excel? Each fund one color, easy to know which to update when new price comes in Except black one are defunct funds where the 3 recent defunct will be put into tech fund temporarily on the next RSP along with other alive funds while waiting for fidelity
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contestchris	Feb 14 2017, 08:50 PM Show posts by this member only \| Post #418
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(shinning91 @ Feb 14 2017, 05:34 PM) Is it because not much result for 6 months? No because in 6 months time the fund could go down. Unit trust is totally not suitable for a short term investment. To see returns you usually need to wait a few years. Unit trust will always rise in the long run, but in the short term there can always be downsides. You need a long investment horizon (3+ years at least) to see any meaningful returns.
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2387581	Feb 14 2017, 09:02 PM Show posts by this member only \| IPv6 \| Post #419
Enthusiast Senior Member 755 posts Joined: Dec 2016	QUOTE(Avangelice @ Feb 14 2017, 04:47 PM) late night house calls to vips and tan sris and working over time. I learned this trick from one of my tutors. treat one right and he or she will start bringing friends over. also I am a specialist in orthopedic medicine, everyone has a back pain these days. think about it, look at children these days. wake up super early, sit in class rooms from morning to afternoon, tuition classes from noon to night, no sun, lots of ipads and iPhones going around but not exercising. then they graduate from unis, they slog their entire lives in front of the pc and have erratic sleeping schedules. sad to say it's going to be a lucrative business because it's better to treat a disc prolapse or total knee replacement rather than treating a terminal cancer patient Why sad? More sick people means more business. I'd pray every one keeps getting sick if I am a doctor. Instead in my line of work I can only pray people needs to buy more houses QUOTE(AIYH @ Feb 14 2017, 08:35 PM) My portfolio before it burst (if any) Note: I only started with ponzi 2 on the first investment date due to RSP initial investment requirement other funds coming up and also in and out for RSP on the next RSP date from the first investment date Roughly adds up to 80%? 20% uninvested/cmf? QUOTE(contestchris @ Feb 14 2017, 08:50 PM) No because in 6 months time the fund could go down. Unit trust is totally not suitable for a short term investment. To see returns you usually need to wait a few years. Unit trust will always rise in the long run, but in the short term there can always be downsides. You need a long investment horizon (3+ years at least) to see any meaningful returns. Says someone who speaks of switching/sell-buy on a weekly basis.
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TSAIYH	Feb 14 2017, 09:07 PM Show posts by this member only \| Post #420
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(2387581 @ Feb 14 2017, 09:02 PM) Roughly adds up to 80%? 20% uninvested/cmf? Recently sold of europe, aladdin and titan europe intra switch into global tech for temporary parking (inside tech dy) while aladdin and titan will put in together with this month dca amount together using referral token for temporary parking reason for consolidating these : these 4 have high correlation with US market (specifically S&P 500), so temporary put into the highest performing among them (global tech) then only switch out from malaysia to sg This post has been edited by AIYH: Feb 14 2017, 09:09 PM
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xuzen	Feb 14 2017, 09:10 PM Show posts by this member only \| Post #421
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(2387581 @ Feb 14 2017, 09:02 PM) Says someone who speaks of switching/sell-buy on a weekly basis. But the chosen one says don't listen to him.... Xuzen
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contestchris	Feb 14 2017, 09:12 PM Show posts by this member only \| Post #422
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	QUOTE(2387581 @ Feb 14 2017, 09:02 PM) Why sad? More sick people means more business. I'd pray every one keeps getting sick if I am a doctor. Instead in my line of work I can only pray people needs to buy more houses Roughly adds up to 80%? 20% uninvested/cmf? Says someone who speaks of switching/sell-buy on a weekly basis. Lol man I do that cause I keep tabs and do not incur any further service charges. Don't compare what I do to the normal passive unit trust investor.
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contestchris	Feb 14 2017, 09:15 PM Show posts by this member only \| Post #423
Look at all my stars!! Senior Member 5,520 posts Joined: Aug 2011	Btw somehow yesterday performance quite good. My portfolio increased by 0.65%. Total I'm at 6% gross returns, 3.5% net returns. But today markets weren't that good. Hopefully tomorrow is a better day! Still, despite all Index in Malaysia red, especially Small Cap, both KGF and Kapchai are Green. Those two funds are havoc lah. I'm thinking rather than sit and worry just throw all I got into KGF...it's got the best ever long term track record.
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xuzen	Feb 14 2017, 09:16 PM Show posts by this member only \| Post #424
Look at all my stars!! Senior Member 4,436 posts Joined: Oct 2008	QUOTE(puchongite @ Feb 14 2017, 05:38 PM) No, that's just one person who is more vocal and he loves the fund manager more than the fund itself ! Lai lai, I give you all more poison! QUOTE(puchongite @ Feb 14 2017, 08:13 PM) Oh everyday see the balloon gets bigger and bigger ... Every fund is inflating .... NAV turun = maki - hamun NAV naik = takut pulak! Apa lagi lu mau? Xuzen
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Avangelice	Feb 14 2017, 09:19 PM Show posts by this member only \| Post #425
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(2387581 @ Feb 14 2017, 09:02 PM) Why sad? More sick people means more business. I'd pray every one keeps getting sick if I am a doctor. Instead in my line of work I can only pray people needs to buy more houses unlike some of my colleagues we are bound by the Hippocratic Oath and its sad to say my patients have been getting younger and younger over the years so something is definitely wrong with us.
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2387581	Feb 14 2017, 09:19 PM Show posts by this member only \| IPv6 \| Post #426
Enthusiast Senior Member 755 posts Joined: Dec 2016	QUOTE(AIYH @ Feb 14 2017, 09:07 PM) Recently sold of europe, aladdin and titan europe intra switch into global tech for temporary parking (inside tech dy) while aladdin and titan will put in together with this month dca amount together using referral token for temporary parking reason for consolidating these : these 4 have high correlation with US market (specifically S&P 500), so temporary put into the highest performing among them (global tech) then only switch out from malaysia to sg I started about the same time as you do. And I'm nine streets behind Entrance 2 August 2016 ROI 4.27 IRR 11.73
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Ramjade	Feb 14 2017, 09:23 PM Show posts by this member only \| Post #427
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(xuzen @ Feb 14 2017, 09:16 PM) Lai lai, I give you all more poison! NAV turun = maki - hamun NAV naik = takut pulak! Apa lagi lu mau? Xuzen I only see refer to Manulife Asia Pacific REITS and run away
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TSAIYH	Feb 14 2017, 09:49 PM Show posts by this member only \| Post #428
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(2387581 @ Feb 14 2017, 09:19 PM) I started about the same time as you do. And I'm nine streets behind Entrance 2 August 2016 ROI 4.27 IRR 11.73 My kap chai first investment right before ulicorp share collapse , if not profit will be higher but my portfolio small size only, less than 10k within half year DCA, just started working, not enough money for capital appreciation
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imnotabot	Feb 14 2017, 11:25 PM Show posts by this member only \| Post #429
On my way Junior Member 531 posts Joined: Oct 2016	I filled-in the excel spreadsheet in the first page, and this is what I got. Attached thumbnail(s)
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wayne84	Feb 14 2017, 11:49 PM Show posts by this member only \| IPv6 \| Post #430
Casual Junior Member 463 posts Joined: Nov 2007	QUOTE(xuzen @ Feb 14 2017, 09:16 PM) Lai lai, I give you all more poison! NAV turun = maki - hamun NAV naik = takut pulak! Apa lagi lu mau? Xuzen Time to makan ubat ...Kena racun Selinaaaaaaa
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skynode	Feb 14 2017, 11:57 PM Show posts by this member only \| Post #431
Getting Started Junior Member 175 posts Joined: Dec 2007	QUOTE(Avangelice @ Feb 14 2017, 04:47 PM) late night house calls to vips and tan sris and working over time. I learned this trick from one of my tutors. treat one right and he or she will start bringing friends over. also I am a specialist in orthopedic medicine, everyone has a back pain these days. think about it, look at children these days. wake up super early, sit in class rooms from morning to afternoon, tuition classes from noon to night, no sun, lots of ipads and iPhones going around but not exercising. then they graduate from unis, they slog their entire lives in front of the pc and have erratic sleeping schedules. sad to say it's going to be a lucrative business because it's better to treat a disc prolapse or total knee replacement rather than treating a terminal cancer patient Oh.. So you are an orthopaedic surgeon. Very lucrative pay in private sector. Sad to say, I'm not in the surgical line.
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skynode	Feb 15 2017, 12:06 AM Show posts by this member only \| Post #432
Getting Started Junior Member 175 posts Joined: Dec 2007	Half-brother of N. Korean leader assassinated in Malaysia This, if true, might sway the market a bit depending on world leaders' responses. Malaysia always has the tendency to make name for the wrong reason. This post has been edited by skynode: Feb 15 2017, 12:07 AM
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Avangelice	Feb 15 2017, 12:15 AM Show posts by this member only \| IPv6 \| Post #433
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(skynode @ Feb 15 2017, 12:06 AM) Half-brother of N. Korean leader assassinated in Malaysia This, if true, might sway the market a bit depending on world leaders' responses. Malaysia always has the tendency to make name for the wrong reason. nah nobody gives a two shit about North Korea. everyone knows it's just boogeyman for China to hide behind. this won't even dent anything. poor chap.
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Ramjade	Feb 15 2017, 12:17 AM Show posts by this member only \| Post #434
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(Avangelice @ Feb 15 2017, 12:15 AM) nah nobody gives a two shit about North Korea. everyone knows it's just boogeyman for China to hide behind. this won't even dent anything. poor chap. Look at the wider pic. It could cause further sell down of bursa and RM. Something which you don't want.
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Avangelice	Feb 15 2017, 12:20 AM Show posts by this member only \| IPv6 \| Post #435
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Ramjade @ Feb 15 2017, 12:17 AM) Look at the wider pic. It could cause further sell down of bursa and RM. Something which you don't want. we shall see about that won't we? I don't think this will cause. foreign investors to be shaken. Guy was killed in transit anyways, different story if he was killed while seeking asylum and the Malaysian Goverment is implicated since we have a number to North Koreans working in Sarawak. =)
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wengherng	Feb 15 2017, 12:31 AM Show posts by this member only \| Post #436
Regular Senior Member 1,865 posts Joined: Jun 2008	QUOTE(Avangelice @ Feb 14 2017, 09:19 PM) unlike some of my colleagues we are bound by the Hippocratic Oath and its sad to say my patients have been getting younger and younger over the years so something is definitely wrong with us. I agree with you totally there. Being bound by the oath, your ultimate ideal world will be where doctors are not required, because nobody gets sick. As a quality manager, I often tell my team that we are in the business to work ourselves out of a job, because our ultimate goal is to make the inherent quality good enough that quality personnel are no longer required.
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T231H	Feb 15 2017, 07:25 AM Show posts by this member only \| Post #437
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(imnotabot @ Feb 14 2017, 11:25 PM) I filled-in the excel spreadsheet in the first page, and this is what I got. from the chart of above post...the below proposed fund is logical btw, how come your chart did not show M'sia Eq allocation %? it did show M'sia FI %. QUOTE(imnotabot @ Feb 14 2017, 04:34 PM) I don't think so. Never mind then. Other than India, is it worth investing in greater china? For example, how about this fund: Eastspring Investments Dinasti Equity Fund? from the above proposed fund, the below proposed weightage is also logical QUOTE(MUM @ Feb 14 2017, 05:24 PM) that is also in Asia Pac....but can supplement yr existing CIMB Islamic Asia Pacific ex Japan Fund...can put less than 5~8% in there? This post has been edited by T231H: Feb 15 2017, 07:32 AM
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iamoracle	Feb 15 2017, 08:06 AM Show posts by this member only \| Post #438
On my way Senior Member 614 posts Joined: Nov 2011	Manulife India Equity Fund seems to be on steroid lately. My ROI hits 8% within 3 months. This is considered my best record. A bit regret that I didn't pump in more money earlier.
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kazekage_09	Feb 15 2017, 09:02 AM Show posts by this member only \| Post #439
On my way Junior Member 511 posts Joined: May 2009	QUOTE(puchongite @ Feb 14 2017, 10:18 AM) Sorry what is the question ? Are you saying there is nobody will invest in UT upto a million ? p/s: Just want to confirm my understanding of the question. Haha no no. What I mean is UT agents usually can recommend limited choices of funds depends on what fund houses they represent. And there are other funds that can easily top them in term of past performances history. So these multi millionaires people, of all people should know this fact right. There are UT companies that I know they like to target these high net worth people. Maybe they don't have time to DIY their own UT portfolio and leverage on UT agents.
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vincabby	Feb 15 2017, 09:04 AM Show posts by this member only \| IPv6 \| Post #440
On my way Senior Member 664 posts Joined: Jun 2009	QUOTE(2387581 @ Feb 14 2017, 09:02 PM) Says someone who speaks of switching/sell-buy on a weekly basis. ok la..give him credit for speaking the truth. he may not do it the old school UT way but that remark is correct so points given for that.
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prince_mk	Feb 15 2017, 09:08 AM Show posts by this member only \| Post #441
Look at all my stars!! Senior Member 2,679 posts Joined: Oct 2014	will go for Eastspring Global Leaders fund after I see the fund factsheet. I alrdy have Titan, KGF, ES Small Cap, Ponzi 1 in my basket. Ponzi 2 not in my basket yet. any comment on this fund - EA Global Leaders as it is investing in global equity ? This post has been edited by prince_mk: Feb 15 2017, 09:12 AM
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T231H	Feb 15 2017, 09:12 AM Show posts by this member only \| Post #442
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(prince_mk @ Feb 15 2017, 09:08 AM) will go for Eastspring Global Leaders fund after I see the fund factsheet. I alrdy have Titan, KGF, ES Small Cap in my basket. any comment on this fund ? Yes.go for it you dont hv global fund in yr portfolio..do have a note on its US %....for you hv GTF......in short taje note of its total weightage
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prince_mk	Feb 15 2017, 09:14 AM Show posts by this member only \| Post #443
Look at all my stars!! Senior Member 2,679 posts Joined: Oct 2014	QUOTE(T231H @ Feb 15 2017, 09:12 AM) Yes.go for it you dont hv global fund in yr portfolio..do have a note on its US %....for you hv GTF......in short taje note of its total weightage I don't have a global fund. Sifu Xuzen also advised me to go for this fund if using epf monies. will go for this fund later. thanks again.
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T231H	Feb 15 2017, 09:17 AM Show posts by this member only \| Post #444
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(kazekage_09 @ Feb 15 2017, 09:02 AM) Haha no no. What I mean is UT agents usually can recommend limited choices of funds depends on what fund houses they represent. And there are other funds that can easily top them in term of past performances history. So these multi millionaires people, of all people should know this fact right. There are UT companies that I know they like to target these high net worth people. Maybe they don't have time to DIY their own UT portfolio and leverage on UT agents. maybe...just maybe Some would got for it 1) as play money 2) hv a pretty face to chat when bored 3) hope to get invited to mire gathers of hnwis...for networking 4) a form of diversification 5) being asked to buy from customers...you help me i help u 6) etc
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T231H	Feb 15 2017, 09:18 AM Show posts by this member only \| Post #445
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(prince_mk @ Feb 15 2017, 09:14 AM) I don't have a global fund. Sifu Xuzen also advised me to go for this fund if using epf monies. will go for this fund later. thanks again. I would personalky use the epf as fi fund
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prince_mk	Feb 15 2017, 09:20 AM Show posts by this member only \| Post #446
Look at all my stars!! Senior Member 2,679 posts Joined: Oct 2014	QUOTE(T231H @ Feb 15 2017, 09:18 AM) I would personalky use the epf as fi fund Oic. I wish to have a global fund but that s d only global fund in recommended list. Hmmm... any global fund to consider ?
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Ramjade	Feb 15 2017, 09:23 AM Show posts by this member only \| Post #447
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(prince_mk @ Feb 15 2017, 09:20 AM) Oic. I wish to have a global fund but that s d only global fund in recommended list. Hmmm... any global fund to consider ? Some prefer manulife US/TA global tech over a global fund.
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Avangelice	Feb 15 2017, 09:23 AM Show posts by this member only \| Post #448
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Ramjade @ Feb 15 2017, 09:23 AM) Some prefer manulife US/TA global tech over a global fund. face perks up notice me senpai!
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T231H	Feb 15 2017, 09:24 AM Show posts by this member only \| Post #449
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(prince_mk @ Feb 15 2017, 09:20 AM) Oic. I wish to have a global fund but that s d only global fund in recommended list. Hmmm... any global fund to consider ? Hyuummp, since it is in the fsm recommended list, who am i to recommend another...i don't dare to go against them.... Ok joke aside...give it a try for a few years...
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puchongite	Feb 15 2017, 09:27 AM Show posts by this member only \| Post #450
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(iamoracle @ Feb 15 2017, 08:06 AM) Manulife India Equity Fund seems to be on steroid lately. My ROI hits 8% within 3 months. This is considered my best record. A bit regret that I didn't pump in more money earlier. ROI 8 % for India only or overall port ? Funds on steroid is not limited to India. That's the thing now.
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T231H	Feb 15 2017, 09:27 AM Show posts by this member only \| Post #451
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(Ramjade @ Feb 15 2017, 09:23 AM) Some prefer manulife US/TA global tech over a global fund. TAGlobal tech has a more controlled mandate nainly focused on 1 area....not that diversified.
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puchongite	Feb 15 2017, 09:31 AM Show posts by this member only \| Post #452
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(kazekage_09 @ Feb 15 2017, 09:02 AM) Haha no no. What I mean is UT agents usually can recommend limited choices of funds depends on what fund houses they represent. And there are other funds that can easily top them in term of past performances history. So these multi millionaires people, of all people should know this fact right. There are UT companies that I know they like to target these high net worth people. Maybe they don't have time to DIY their own UT portfolio and leverage on UT agents. No need to compare with agent funds. Just compare Affin Hwang Absolute Return II vs Ponzi 2.0. Despite the difference in minimum 100k entry, minimum holding 6 months, etc etc, ponzi 2.0 is at bar with AH ARII. Is there really a reason why one would be more comfortable with AH ARII ?
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TakoC	Feb 15 2017, 10:29 AM Show posts by this member only \| Post #453
Look at all my stars!! Senior Member 2,081 posts Joined: Mar 2012	I'm starting to practice monthly top up. But seeing my portfolio hitting all time high week after week, fun but scary. Higher it goes, harder it falls.
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puchongite	Feb 15 2017, 10:36 AM Show posts by this member only \| Post #454
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(TakoC @ Feb 15 2017, 10:29 AM) I'm starting to practice monthly top up. But seeing my portfolio hitting all time high week after week, fun but scary. Higher it goes, harder it falls. There is a new saying in town ( similar to Air Asia slogan ) :- "Now everybody can beat EPF."
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skynode	Feb 15 2017, 10:55 AM Show posts by this member only \| IPv6 \| Post #455
Getting Started Junior Member 175 posts Joined: Dec 2007	Can I add CMF as part of my portfolio in the excel sheet?
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Avangelice	Feb 15 2017, 10:59 AM Show posts by this member only \| Post #456
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(skynode @ Feb 15 2017, 10:55 AM) Can I add CMF as part of my portfolio in the excel sheet? Yeap of course. it's part of your investment bro.
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Ramjade	Feb 15 2017, 11:23 AM Show posts by this member only \| Post #457
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(skynode @ Feb 15 2017, 10:55 AM) Can I add CMF as part of my portfolio in the excel sheet? Up to you. I only use CMF for paying bond fees.
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imnotabot	Feb 15 2017, 11:33 AM Show posts by this member only \| Post #458
On my way Junior Member 531 posts Joined: Oct 2016	QUOTE(T231H @ Feb 15 2017, 07:25 AM) from the chart of above post...the below proposed fund is logical btw, how come your chart did not show M'sia Eq allocation %? it did show M'sia FI %. from the above proposed fund, the below proposed weightage is also logical Thank you for the feedback! It did not show because I accidentally entered the value in FI instead of Equity for one of the fund. Thanks for pointing it out. Here's the updated chart: Attached thumbnail(s)
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TakoC	Feb 15 2017, 11:42 AM Show posts by this member only \| Post #459
Look at all my stars!! Senior Member 2,081 posts Joined: Mar 2012	QUOTE(puchongite @ Feb 15 2017, 10:36 AM) There is a new saying in town ( similar to Air Asia slogan ) :- "Now everybody can beat EPF." Lol. Now I'm having 2nd thoughts if I should stop monthly DCA. But who knows Asia market might continue to be on steroid for the whole year and I'll missed out. Decisions, decisions
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Avangelice	Feb 15 2017, 11:48 AM Show posts by this member only \| Post #460
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(TakoC @ Feb 15 2017, 11:42 AM) Lol. Now I'm having 2nd thoughts if I should stop monthly DCA. But who knows Asia market might continue to be on steroid for the whole year and I'll missed out. Decisions, decisions now seeing you guys worried is disturbing my zen. lol
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wodenus	Feb 15 2017, 12:07 PM Show posts by this member only \| Post #461
Tree Octopus All Stars 14,990 posts Joined: Jan 2003	QUOTE(Avangelice @ Feb 14 2017, 09:19 PM) unlike some of my colleagues we are bound by the Hippocratic Oath and its sad to say my patients have been getting younger and younger over the years so something is definitely wrong with us. Do you think more young people are going to doctors because they are richer and can afford it now? As a doctor you probably know that 95% of the patients you see have illnesses that are not life-threatening and will resolve themselves given some time and rest.
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puchongite	Feb 15 2017, 12:10 PM Show posts by this member only \| Post #462
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(TakoC @ Feb 15 2017, 11:42 AM) Lol. Now I'm having 2nd thoughts if I should stop monthly DCA. But who knows Asia market might continue to be on steroid for the whole year and I'll missed out. Decisions, decisions Judging from today's stock, I foresee today is another big win day for ponzi 2.0, after 2 days consecutive win around 0.9%.
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Avangelice	Feb 15 2017, 12:17 PM Show posts by this member only \| Post #463
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(wodenus @ Feb 15 2017, 12:07 PM) Do you think more young people are going to doctors because they are richer and can afford it now? As a doctor you probably know that 95% of the patients you see have illnesses that are not life-threatening and will resolve themselves given some time and rest. to be honest I have seen many younglings who don't cut it to be in the medical line. they lack one important thing these days which is EQ. yes you may know all the conditions affecting the human body, knowing which muscle is located where and what it does but how you explain it to the patient is a total different thing altogether. I have a few friends just giving up on the medical industry to be something else. Anyways I'm derailing the thread hope everyone is happy in their vocations and jobs. work hard. invest and find something that makes money even after you retire. that's one thing I do not see people planning. Once you retire in Asia, that's it. your life is meaningless unless you wanna baby sit your grandchildren and watch your spouse grow old and die.
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Ramjade	Feb 15 2017, 12:19 PM Show posts by this member only \| Post #464
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	Any effects on malaysian stock market because of the murder of the N.Korean?
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Avangelice	Feb 15 2017, 12:21 PM Show posts by this member only \| Post #465
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(Ramjade @ Feb 15 2017, 12:19 PM) Any effects on malaysian stock market because of the murder of the N.Korean? Nawps. my stocks are holding up well. looks like nothing is happening
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puchongite	Feb 15 2017, 12:22 PM Show posts by this member only \| Post #466
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Ramjade @ Feb 15 2017, 12:19 PM) Any effects on malaysian stock market because of the murder of the N.Korean? Today it isn't doing that well but we don't know if it is anything to do with the murder. Probably not.
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Ramjade	Feb 15 2017, 12:25 PM Show posts by this member only \| Post #467
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	I am waiting for Ponzi 1, Ponzi 2, India, tech to cross the 12% profit mark then I run.
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cjseng	Feb 15 2017, 12:25 PM Show posts by this member only \| Post #468
New Member Junior Member 32 posts Joined: Mar 2011	Hi Sifu's here, I'm really new in FSM or perhaps is investment topic I should said. My last unit trust was selling off with lost back in year 2008 . I'm no longer young anymore. I has a goal for kids education let say looking for averaging ~10% - 15% return pa for the next 10 years. Of course some risk concern in mind that do not want to destroy kids education fund which end up with lose or return even lower than normal 3-4% market FD rate in next 10 years time. I'm planning to kick-off with small amount and monthly regulated deposit for years to come. What is the best or recommended portfolio that suit to my objective? I'm open for any other advice, appreaciate and many thanks in advance.
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Avangelice	Feb 15 2017, 12:27 PM Show posts by this member only \| Post #469
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(cjseng @ Feb 15 2017, 12:25 PM) Hi Sifu's here, I'm really new in FSM or perhaps is investment topic I should said. My last unit trust was selling off with lost back in year 2008 . I'm no longer young anymore. I has a goal for kids education let say looking for averaging ~10% - 15% return pa for the next 10 years. Of course some risk concern in mind that do not want to destroy kids education fund which end up with lose or return even lower than normal 3-4% market FD rate in next 10 years time. I'm planning to kick-off with small amount and monthly regulated deposit for years to come. What is the best or recommended portfolio that suit to my objective? I'm open for any other advice, appreaciate and many thanks in advance. follow FSM's conservative portfolio or Xuzen very low risk portfolio since he is also saving for his children. AmAsia REITs. Rhb emerging Bond Ponzi 2.0 Esther fund
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Ramjade	Feb 15 2017, 12:29 PM Show posts by this member only \| Post #470
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(Avangelice @ Feb 15 2017, 12:27 PM) follow FSM's conservative portfolio or Xuzen very low risk portfolio since he is also saving for his children. AmAsia REITs. Rhb emerging Bond Ponzi 2.0 Esther fund He don't use ponzi 2. He only buy Ponzi 2 for PRS. He include in india and Tech.
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cjseng	Feb 15 2017, 12:49 PM Show posts by this member only \| Post #471
New Member Junior Member 32 posts Joined: Mar 2011	QUOTE(Ramjade @ Feb 15 2017, 12:29 PM) He don't use ponzi 2. He only buy Ponzi 2 for PRS. He include in india and Tech. Many thanks Avangelice & Ramjade. Any other advice?
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ivzh	Feb 15 2017, 12:53 PM Show posts by this member only \| IPv6 \| Post #472
On my way Senior Member 668 posts Joined: Mar 2006	started FSM on october 2016, all my fund is on a bull run since 2017.. in short duration, the ROI is 6%, it is indeed scary. when it is climbing higher, it has tendency to fall harder too. After few month experience with FSM, i decide to invest using my EPF money too..DCA or lump sum? decision decision.. i would like to add eastspring small cap into my portfolio.. my current portfolio ponzi 2 40% ponzi 1 10% Titan 10% TA global 8% Amreit 12% RHB emerging market fund 10% Affin Hwang select bond fund 10% End of 2016, thr sentiment of malaysia focus fund is quite bearish, as a silent reader in this forum, i noted many of us try to offload their MY fund. but then, 2017, has something changed?
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Avangelice	Feb 15 2017, 01:00 PM Show posts by this member only \| Post #473
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(ivzh @ Feb 15 2017, 12:53 PM) started FSM on october 2016, all my fund is on a bull run since 2017.. in short duration, the ROI is 6%, it is indeed scary. when it is climbing higher, it has tendency to fall harder too. After few month experience with FSM, i decide to invest using my EPF money too..DCA or lump sum? decision decision.. i would like to add eastspring small cap into my portfolio.. my current portfolio ponzi 2 40% ponzi 1 10% Titan 10% TA global 8% Amreit 12% RHB emerging market fund 10% Affin Hwang select bond fund 10% End of 2016, thr sentiment of malaysia focus fund is quite bearish, as a silent reader in this forum, i noted many of us try to offload their MY fund. but then, 2017, has something changed? foreign investors pulling out their investments in Malaysian bonds to be funneled back to us because of Trump's new protectionist tax cuts. we basically have been burning our foreign investments to prop up our currency. that and the 1mdb scandal going international
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mattalex	Feb 15 2017, 01:18 PM Show posts by this member only \| Post #474
Getting Started Junior Member 50 posts Joined: Aug 2014	Question - I understand FSM charges 2% (or less) when buying funds, so in effect you lose 2% off the bat. What about when selling? I suppose you will lose the difference between the offer and bid price. Are there any other losses, e.g., redemption fee, etc.?
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puchongite	Feb 15 2017, 01:37 PM Show posts by this member only \| Post #475
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Ramjade @ Feb 15 2017, 12:25 PM) I am waiting for Ponzi 1, Ponzi 2, India, tech to cross the 12% profit mark then I run. The big question is where are you now ? How far from 12% ?
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Ramjade	Feb 15 2017, 01:43 PM Show posts by this member only \| Post #476
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(puchongite @ Feb 15 2017, 01:37 PM) The big question is where are you now ? How far from 12% ? I am at 5%+
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puchongite	Feb 15 2017, 01:46 PM Show posts by this member only \| Post #477
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Ramjade @ Feb 15 2017, 01:43 PM) I am at 5%+ Say near not so near, say far not so far ( based current gain rate ) ! This post has been edited by puchongite: Feb 15 2017, 01:46 PM
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frankzane	Feb 15 2017, 01:47 PM Show posts by this member only \| Post #478
On my way Junior Member 664 posts Joined: Dec 2006	QUOTE(Ramjade @ Feb 14 2017, 02:33 PM) RHB Gold and General Fund, Precious Metal Securities If want to buy gold better to get from UOB as they have the smallest spread. Banks spread is too large. Best is buy gold fund as one only need to pay 2% SC. Thanks. Do you invest in this fund? Wondering they invest into where?
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dasecret	Feb 15 2017, 01:47 PM Show posts by this member only \| Post #479
Regular Senior Member 1,498 posts Joined: Nov 2012	QUOTE(puchongite @ Feb 15 2017, 01:37 PM) The big question is where are you now ? How far from 12% ? QUOTE(Ramjade @ Feb 15 2017, 01:43 PM) I am at 5%+ Why 12%? You do realise the benefits that you feel available in SG and not MY such as better funds would mean that in a bull run you would earn more with funds in SG instead of MY; and if you believe SGD:MYR would go up to 3.5 in near future would mean it's better to translate now than later right? Just pointing out the obvious
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T231H	Feb 15 2017, 01:57 PM Show posts by this member only \| Post #480
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(cjseng @ Feb 15 2017, 12:25 PM) Hi Sifu's here, I'm really new in FSM or perhaps is investment topic I should said. My last unit trust was selling off with lost back in year 2008 . I'm no longer young anymore. I has a goal for kids education let say looking for averaging ~10% - 15% return pa for the next 10 years. Of course some risk concern in mind that do not want to destroy kids education fund which end up with lose or return even lower than normal 3-4% market FD rate in next 10 years time. I'm planning to kick-off with small amount and monthly regulated deposit for years to come. What is the best or recommended portfolio that suit to my objective? I'm open for any other advice, appreaciate and many thanks in advance. QUOTE(Avangelice @ Feb 15 2017, 12:27 PM) follow FSM's conservative portfolio or Xuzen very low risk portfolio since he is also saving for his children. AmAsia REITs. Rhb emerging Bond Ponzi 2.0 Esther fund QUOTE(Ramjade @ Feb 15 2017, 12:29 PM) He don't use ponzi 2. He only buy Ponzi 2 for PRS. He include in india and Tech. just be careful....with this ~10% - 15% return p.a for there is a possibility of 3-4% or less as feared for some years...
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Avangelice	Feb 15 2017, 02:06 PM Show posts by this member only \| Post #481
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(T231H @ Feb 15 2017, 01:57 PM) just be careful....with this ~10% - 15% return p.a for there is a possibility of 3-4% or less as feared for some years... well it's a risk I am willing to take. rather than putting this cash into fd
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T231H	Feb 15 2017, 02:26 PM Show posts by this member only \| Post #482
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(Avangelice @ Feb 15 2017, 02:06 PM) well it's a risk I am willing to take. rather than putting this cash into fd yes you are...but is he? 10~15% pa wor...isn't that a bit too optimistic? This post has been edited by T231H: Feb 15 2017, 02:28 PM
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puchongite	Feb 15 2017, 02:42 PM Show posts by this member only \| Post #483
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(T231H @ Feb 15 2017, 02:26 PM) yes you are...but is he? 10~15% pa wor...isn't that a bit too optimistic? Doable based on portfolio simulator, say allocating 40% to ponzi 2.0 and the rest 20%.
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skynode	Feb 15 2017, 02:48 PM Show posts by this member only \| IPv6 \| Post #484
Getting Started Junior Member 175 posts Joined: Dec 2007	QUOTE(Avangelice @ Feb 15 2017, 10:59 AM) Yeap of course. it's part of your investment bro. Okay. Another noob question. What about PRS fund? It's essentially non redeemable till retirement age. So should I include it as part of my portfolio in excel or just forget about it? Any significance?
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Avangelice	Feb 15 2017, 02:52 PM Show posts by this member only \| IPv6 \| Post #485
Look at all my stars!! Senior Member 5,270 posts Joined: Jun 2008	QUOTE(skynode @ Feb 15 2017, 02:48 PM) Okay. Another noob question. What about PRS fund? It's essentially non redeemable till retirement age. So should I include it as part of my portfolio in excel or just forget about it? Any significance? personally? no I don't consider it as part of my portfolio. I'm only doing prs (will be in December 2017) to enjoy the tax relief. once they stop the tax relief and free money i won't bat an eye lid at it. I don't like the idea of locking money until I'm too old to enjoy it.
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Ramjade	Feb 15 2017, 02:53 PM Show posts by this member only \| Post #486
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(frankzane @ Feb 15 2017, 01:47 PM) Thanks. Do you invest in this fund? Wondering they invest into where? Of course not. Thought about it then cancel as IMO, it's not worth it. I am more of autopilot person. Doesn't want to moniter so much. QUOTE(dasecret @ Feb 15 2017, 01:47 PM) Why 12%? You do realise the benefits that you feel available in SG and not MY such as better funds would mean that in a bull run you would earn more with funds in SG instead of MY; and if you believe SGD:MYR would go up to 3.5 in near future would mean it's better to translate now than later right? Just pointing out the obvious Reasons: (i) well to get ammo for my next SG trip in march (ii) 12% profit is better than no profit right? Cut loss while it's still climbing QUOTE(T231H @ Feb 15 2017, 02:26 PM) yes you are...but is he? 10~15% pa wor...isn't that a bit too optimistic? I believed 10% is doable. (United asian HY bond fund a perfect eg) 15% if you got nerve of steels. QUOTE(skynode @ Feb 15 2017, 02:48 PM) Okay. Another noob question. What about PRS fund? It's essentially non redeemable till retirement age. So should I include it as part of my portfolio in excel or just forget about it? Any significance? QUOTE(Avangelice @ Feb 15 2017, 02:52 PM) personally? no I don't consider it as part of my portfolio. I'm only doing prs (will be in December 2017) to enjoy the tax relief. once they stop the tax relief and free money i won't bat an eye lid at it. I don't like the idea of locking money until I'm too old to enjoy it. Agreed with Avengelice. If they stop the tax relief, will not buy anymore. This post has been edited by Ramjade: Feb 15 2017, 02:55 PM
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puchongite	Feb 15 2017, 03:08 PM Show posts by this member only \| Post #487
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Ramjade @ Feb 15 2017, 02:53 PM) I believed 10% is doable. (United asian HY bond fund a perfect eg) 15% if you got nerve of steels. What so special about this United Asian HY bond fund ? Around 20% return for previous year ?
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TSAIYH	Feb 15 2017, 03:13 PM Show posts by this member only \| Post #488
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 15 2017, 02:53 PM) Of course not. Thought about it then cancel as IMO, it's not worth it. I am more of autopilot person. Doesn't want to moniter so much. Reasons: (i) well to get ammo for my next SG trip in march (ii) 12% profit is better than no profit right? Cut loss while it's still climbing I believed 10% is doable. (United asian HY bond fund a perfect eg) 15% if you got nerve of steels. Agreed with Avengelice. If they stop the tax relief, will not buy anymore. QUOTE(puchongite @ Feb 15 2017, 03:08 PM) What so special about this United Asian HY bond fund ? Around 20% return for previous year ? Guess instead of waiting SG platform for that fund, i will just transfer some from Esther bond to there You can check the target fund in SG platform
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Ramjade	Feb 15 2017, 03:13 PM Show posts by this member only \| Post #489
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(puchongite @ Feb 15 2017, 03:08 PM) What so special about this United Asian HY bond fund ? Around 20% return for previous year ? It's a AP bond fund which give 10% returns per year. Not as volatite as RHB ATRF QUOTE(AIYH @ Feb 15 2017, 03:13 PM) Guess instead of waiting SG platform for that fund, i will just transfer some from Esther bond to there You can check the target fund in SG platform Min starting amount is rm10k. You got the moo? ? This post has been edited by Ramjade: Feb 15 2017, 03:15 PM
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puchongite	Feb 15 2017, 03:28 PM Show posts by this member only \| Post #490
20k VIP Club All Stars 33,585 posts Joined: May 2008	QUOTE(Ramjade @ Feb 15 2017, 03:13 PM) It's a AP bond fund which give 10% returns per year. Not as volatite as RHB ATRF Min starting amount is rm10k. You got the moo? ? I just checked the fund factsheet, it is not limited to AP, UK, netherland and what not are there too ! Given up on RHB ATRF already.
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TSAIYH	Feb 15 2017, 03:36 PM Show posts by this member only \| Post #491
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 15 2017, 03:13 PM) It's a AP bond fund which give 10% returns per year. Not as volatite as RHB ATRF Min starting amount is rm10k. You got the moo? ? Esther bond is not part of my portfolio, rather, my FD reserve, so roughly enough to meet the minimum requirement when transfer If convert also 3k SGD like that LA, not too big Cos in poems, I will need to minimum top up 500 SGD to it, whereas if I put in Malaysia, RM 1k (roughly SGD 300) minimum top up only, also save TT charges and self Forex conversion
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Ramjade	Feb 15 2017, 04:04 PM Show posts by this member only \| Post #492
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(AIYH @ Feb 15 2017, 03:36 PM) Esther bond is not part of my portfolio, rather, my FD reserve, so roughly enough to meet the minimum requirement when transfer If convert also 3k SGD like that LA, not too big Cos in poems, I will need to minimum top up 500 SGD to it, whereas if I put in Malaysia, RM 1k (roughly SGD 300) minimum top up only, also save TT charges and self Forex conversion For SG part United asian HY bond only need sgd1k. Way lower than here. Save TT charges and self forex = go there and deposit money?
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TSAIYH	Feb 15 2017, 04:31 PM Show posts by this member only \| Post #493
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(Ramjade @ Feb 15 2017, 04:04 PM) For SG part United asian HY bond only need sgd1k. Way lower than here. Save TT charges and self forex = go there and deposit money? True for initial deposit, but if want top up, then need minimum SGD 500 vs here rm 1k only Easy for me to do saving here Go over there need transport cost plus time, for me ikan bilis, not worth all that effort
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skynode	Feb 15 2017, 04:45 PM Show posts by this member only \| IPv6 \| Post #494
Getting Started Junior Member 175 posts Joined: Dec 2007	Another silly question. To be eligible for the PRS Youth thing. (Yes, I'm still young.) It's stated there gross contribution needs to be RM1000. However, if we put in RM1000 for the first time, service charge and administration fees would be deducted from the gross sum giving a nett investment amount of less than RM1000. In such instance, do I need to top up to make the gross amount RM1000 so that I would be eligible for the incentive? From the website, "minimum contribution amount must be a gross amount of RM1,000 which is inclusive of all fees and charges." So I assume they shall overlook the account balance which is less than RM1K. This post has been edited by skynode: Feb 15 2017, 04:48 PM
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T231H	Feb 15 2017, 04:48 PM Show posts by this member only \| Post #495
Look at all my stars!! Senior Member 5,143 posts Joined: Jan 2015	QUOTE(skynode @ Feb 15 2017, 04:45 PM) Another silly question. To be eligible for the PRS Youth thing. (Yes, I'm still young.) It's stated there gross contribution needs to be RM1000. However, if we put in RM1000 for the first time, service charge and administration fees would be deducted from the gross sum giving a nett investment amount of less than RM1000. In such instance, do I need to top up to make the gross amount RM1000 so that I would be eligible for the incentive? PRS in FSM is 0% SC. admins fees and other charges is in the NAVs only PPA a/c opening fees is charge able. see PRS FAQs https://www.fundsupermart.com.my/main/faq/1...cheme-PRS--8865
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TSAIYH	Feb 15 2017, 04:49 PM Show posts by this member only \| Post #496
Regular Senior Member 1,166 posts Joined: Jul 2016	QUOTE(skynode @ Feb 15 2017, 04:45 PM) Another silly question. To be eligible for the PRS Youth thing. (Yes, I'm still young.) It's stated there gross contribution needs to be RM1000. However, if we put in RM1000 for the first time, service charge and administration fees would be deducted from the gross sum giving a nett investment amount of less than RM1000. In such instance, do I need to top up to make the gross amount RM1000 so that I would be eligible for the incentive? From the website, "minimum contribution amount must be a gross amount of RM1,000 which is inclusive of all fees and charges." So I assume they shall overlook the account balance which is less than RM1K. as long as you cash out 1000 from ur pocket to there, whatever charges, it is still 1000 being counted I am young too
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skynode	Feb 15 2017, 04:52 PM Show posts by this member only \| IPv6 \| Post #497
Getting Started Junior Member 175 posts Joined: Dec 2007	QUOTE(T231H @ Feb 15 2017, 04:48 PM) PRS in FSM is 0% SC. admins fees and other charges is in the NAVs only PPA a/c opening fees is charge able. see PRS FAQs https://www.fundsupermart.com.my/main/faq/1...cheme-PRS--8865 Bravo. Thanks. ": AM I ELIGIBLE FOR THE RM1000 AFTER THE DEDUCTION OF PPA ACCOUNT OPENING FEE OR ANNUAL FEE? A: Yes, you are eligible for the RM1000 incentive as long as you have fulfilled the minimum gross investment amount of RM1,000 within a calendar year."
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shankar_dass93	Feb 15 2017, 04:59 PM Show posts by this member only \| Post #498
Look at all my stars!! Senior Member 2,955 posts Joined: Sep 2009	QUOTE(T231H @ Feb 14 2017, 06:37 AM) I liked that up and keep on rising feeling too..... some people said...... they are just like when on Viagra with Vodka PLUS a young and sexy moy but some people also said..... Historically, when the US market has traded over 17X PE, those were considered times when valuations were high. That means that the chances of a market correction in that market over the next one to three years have increased. Certainly, there are other cheaper markets than US to be in. Thus, accordingly, one should reduced his/her portfolio’s exposure to US equities and move to other more desired lower valued regions. currently I liked the 1st group of people more, thus will continue for a few more weeks to enjoy the Viagra with Vodka PLUS a young and sexy moy's feeling. just hope the feeing would last.....it just feel so much uuuumph for the past few weeks. Agreed. I'm just pretty optimistic with the US economy at least for the 1st Q of 2017. Investors seem to be happy and propelled with Trump's policies. QUOTE(2387581 @ Feb 14 2017, 09:02 PM) Why sad? More sick people means more business. I'd pray every one keeps getting sick if I am a doctor. Instead in my line of work I can only pray people needs to buy more houses Roughly adds up to 80%? 20% uninvested/cmf? Says someone who speaks of switching/sell-buy on a weekly basis. I was about to mention the highlighted sentence and you did it before me. QUOTE(Ramjade @ Feb 14 2017, 09:23 PM) I only see refer to Manulife Asia Pacific REITS and run away I see a lot more in her apart from the returns
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Ramjade	Feb 15 2017, 05:03 PM Show posts by this member only \| Post #499
20k VIP Club All Stars 24,330 posts Joined: Feb 2011	QUOTE(shankar_dass93 @ Feb 15 2017, 04:59 PM) I see a lot more in her apart from the returns Amasia returns pales in comparison to Manulife AP REITS
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Vanguard 2015	Feb 15 2017, 05:13 PM Show posts by this member only \| Post #500
Look at all my stars!! Senior Member 3,541 posts Joined: Mar 2015	This must be the most active thread in Lowyat. I don't think we need to monitor the share market anymore. Just monitor this thread. If it is very active, this means the share market is going up. When is a good time to take profit? To wait for Trump's 100 days honeymoon period to finish? Or to do it now? If you are doing it now, how much profit to skim off? For the ultra conversative or kiasu, they will skim off all the excess profit. For those practising Value Averaging, if your profit is more than 4% from 1st January 2017 until 31st March 2017, then to skim off the extra 1% profit ala Value Averaging style. This is based on the assumption that you intend to make 12% per annum or 1% per month. The percentage to skim off will depend on your targeted annual profit. For those who think they have over invested in US, they may sell off certain funds completely. P/S: The more elegant term seems to be portfolio rebalancing rather than skimming off profits. This post has been edited by Vanguard 2015: Feb 15 2017, 05:15 PM
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