Hi,

Assuming everything is the same, can I safely say that revenue (capital growth, dividend) generated from ETF (example KLSE FTE) would be lower than if I were to buy all individual stocks listed in that ETF? Since an ETF is supposed to just track an index and not outperformed it?

https://www.sinchew.com.my/?p=4535232

Per the article above, it seems likely that capital gains from bonds will likely be taxed (stocks are exempted).

Just to remind those who hold bond funds and bonds directly via FSM/Bondsupermart.

Supposedly, one way to avoid CGT is to hold the bonds till maturity. But if our MOF follows US-style taxation system, unrealized gains may be taxed as well. On the other hand, loses could be use to offset the gains.

Hi all, want to ask something. If I switching my funds which are not performing (meaning to date giving me negative returns), does that means technically I am realizing my loss?

I started invest in UT about 2 years ago about Feb 2021 I think. Market during that times not doing well but I still started invest anyway. To date my portfolio giving me -9% return. And all my funds are shariah so as we know they not performing well compared to conventional.

So after 2 years I thinking to modify my portfolio. Do I wait until my funds break even and then only switch? Or just accept the loss and switch now?

During that times I know nothing about UT (so as now haha) and just tried to invest to gain experience. Currently I am doing DCA RM1k per month into 7 funds.

Would like to hear other opinion on this.

Thank you.

And here my planning for my new portfolio:

Aberdeen world
Dana makmur pheim
Principal islamic aisiapac
Amanahraya syariah trust

All funds with good track record of more than 10 years.

Just an update
It's been quite a while now since I invested in Managed portfolio Balanced. I've been using it as benchmark for my own DIY.

The result after roughly 6 years is .....

3.2%

Take note I added additional money to make it a round number of 10k a few years later but even that 1 year of FD can outperform managed fund.

You would expect fund managers or the people who does this fund allocation to outperform you since they do this for a living ..... but it shows that even DIY investors can easily outperform fund managers.

Total

Ranting/venting a bit tonight.

I had been previously holding:

AmTactical Bond Class B (ATBCB)
AmDynamic Bond (ADB)

Somewhere around mid 2021 I sold off all of ADB and kept ATBCB

Since late 2021 ATBCB then nosedived spectacularly, while ADB went up steadily
I'm trying to understand how is this possible when both of them are similar (majority allocation in corporate bonds)

Is is something to do with ATBCB allocating foreign bonds and local Gov bonds?

When reading the annual report, ATBCB keeps pointing to US treasury rates for the decline, but then so many other bonds are doing well? :grrrr:

Anybody opened cds account lately? Roughly take how long? Mine about a week already still no news 😕

Also my first time trying out Bond Express so I dabbled with a relatively small amount of AUD$1k for ANZ Bank.
https://www.fsmone.com.my/bonds/bond-factsh...de=AU3CB0305928

Learnings: There is a processing fee of minimum AUD35 which I didn't see upfront before paying.

After a month (I know it's short), I have a loss of 2.54%.

I'm not sure whether I should continue investing in bonds. Any thoughts/sharing of experience appreciated.

those that bought ETF via FSMone RSP account just became bag holders? i noticed ever since i used their RSP service, due to the limited time range where they action the buy i've been consistently in the red.