Welcome Guest ( Log In | Register )

3 Pages  1 2 3 >Bottom

Outline · [ Standard ] · Linear+

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

views
     
Streetrat
post Oct 11 2017, 12:14 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Hi guys, i'm a total beginner and would like to ask for some advice. I just started investing in public mutual few months ago with minimum initial investment, but lucky enough before putting in more money i found fundsupermart. I've read about half of this tread and am interested to join in. Heres some questions that i hope you guys can help to answer.

1. How should i diverse my fund if i plan to invest 10k/50k/100k? any different?

2. Should i put in 1 lump sum in different fund, or should i RSP for the DCA? How should i divide my RSP?

3. I understand that in short term, the funds might drop. So is it safe to say that if i plan to invest at least 5 to 10 years, then i wont need to worry about the drop?

4. I remember a story about Xuzen in the first few pages in this tread, can i ask why did xuzen sell the fund when it drop 20%? if xuzen remain with the fund and in a few years time the fund rise back, what will happen then. example. I buy fund A for RM1.2, then drop to RM1, and in few years rise back to RM1.5, is my understanding correct that i have earn Rm0.3?

5. RHB cash management fund 2, from what i understand the profit per annual is around 3.3-3.5 with 0 risk, this fund is something like a bank fixed deposit correct? Is there any fund with minimal risk, give reasonable return and i can take out cash whenever i want without any charges? better then put in FD.

Currently this are the questions that i can think of, i'm sure more questions will come soon after i read more from you guys.

Thank you very much.
Streetrat
post Oct 11 2017, 05:46 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Thank you very much for all who helped out, let me get more info and then come back with more questions. Thanks again guys.
Streetrat
post Oct 16 2017, 03:25 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Hi again, been reading all i can about unit trust the past week and thank you again for answering my question. I've open an account and now i got 30 days for the new account benefit of 1% SC max.

Now the hard question is how to smartly distribute my investments. Is it 'a smart move' if i buy 2 or more managed PF together(Aggressive/ moderate aggressive/ balanced)? anybody do this?And should i keep some money in FD as cash flow, or just invest it into low risk bonds?

Can i ask how do you guys distribute your investment, just find out that its hard to play around with own money.

Thanks again guys.
Streetrat
post Oct 16 2017, 03:45 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


No, thats not what i want to do. Didn't notice there is a limit of 1 Managed PF per account.

Guess i'll just buy 1 managed, and diy the rest by mirroring their recommended PF while keeping abit in FD or bond.
Streetrat
post Oct 16 2017, 03:57 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Do you mean it's much more cost efficient and time saving if i just put all into managed PF and let them do all the work?
Streetrat
post Oct 16 2017, 04:05 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Thanks for the clarification, but does it consider gambling if i put most of my investment into an aggressive managed PF for lets say 10 years and above?

what do you think about FD vs Bonds?
Streetrat
post Oct 16 2017, 04:17 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Thanks T231H for the article. I've read it b4, just want to get some personal input.
Streetrat
post Oct 17 2017, 12:39 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Is now a good time to start investing? or should i wait till end of year, starting next year or any specific events? How to check if the market is going up or down? I'm not trying to time market, as usual just want to get some personal opinions. Thanks.
Streetrat
post Oct 17 2017, 02:03 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Thank you very much for the detail answer T231H.
Streetrat
post Oct 17 2017, 02:07 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


notworthy.gif respect for you guys. Will find out more about this market index.
Streetrat
post Oct 26 2017, 12:32 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Hi, i would like to ask for suggestions and comments on my funds.

1. Affin Hwang Select Bond Fund 10%
2. RHB Asian Income Fund 5%
3. CIMB Principal Global Titan Fund 20%
4. CIMB Principal Asia Pacific Dynamic Income Fund 20%
5. CIMB Principal Greater China Equity Fund 10%
6. Kenanga Growth Fund 10%
7. TA Global Technology Fund 10%
8. Affin Hwang Select Asia (ex Japan) Quantum Fund 5%
9. Manulife India Equity Fund 10%

Thank you.
Streetrat
post Oct 26 2017, 02:31 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Can U tell me which funds are overlapping so i can figure out how to fix it? Thank you Funnyface & Xuzen.

This post has been edited by Streetrat: Oct 26 2017, 02:40 PM
Streetrat
post Oct 26 2017, 04:14 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Is this correlation matrix function in Morningstar Malaysia or Morningstar? I just done it in Malaysia Morningstar's Instant Xray and cannot find this function.
Streetrat
post Oct 26 2017, 04:55 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Just found it, now need to learn how to read it. Thanks again.
Streetrat
post Oct 26 2017, 05:00 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Here is my correlation matrix from my fund, now need to figure out how to fix it.


Attached thumbnail(s)
Attached Image
Streetrat
post Oct 26 2017, 05:07 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


How to check if its in MYR? In my portfolio the class currency is MYR.

Streetrat
post Oct 26 2017, 05:19 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


Thanks for pointing out T231H, din't notice i miss the post.

Thanks YKlooi for giving important tips.


Attached thumbnail(s)
Attached Image
Streetrat
post Oct 26 2017, 11:57 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


After trying to understand all the morningstar info, i found that

TA Global Tech & CIMB-Principal global Titan correlation is 0.85
CIMB-Principal Asia Pacific Dynamic income & CIMB Greater China Equity correlation is 0.81

And also my PF is very heavy on Asia which is 69.07%, Americas 18.62%, Europe 12.30%, should i reduce on Asia?

My top 10 Countries is:
China 21.75
United States 17.80
India 11.65
Malaysia 9.28
Australia 6.21
Taiwan 5.53
Singapore 3.59
Japan 3.09
Hong Kong 2.48
United Kingdom 2.43


Should i reduce on China?

Now with all this overwhelming info, how to i pick the best fund to balance out my PF rclxub.gif

Currently fund that i have:

Affin Hwang Select Bond Fund - MYR - 10%
CIMB-Principal Asia Pacific Dynamic Income Fund - MYR - 20%
CIMB-Principal Global Titans Fund - 20%
CIMB-Principal Greater China Equity Fund - 10%

Another 40% how should i distribute? After taking the test in FSM, i just found out that i'm an aggressive investor if it means anything.

Thanks everyone for helping out.





Streetrat
post Oct 27 2017, 02:09 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


After much though, Is this a better combination?

1. Eastspring Investments Dynamic 15%
2. Affin Hwang Select Asia (ex Jpn) Quantum 15%
3. Affin Hwang Select Bond (RM) 10%
4. CIMB-Principal Greater China Equity 10%
5. CIMB-Principal Asia Pacific Dynamic Inc 20%
6. Kenanga Growth 10%
7. CIMB-Principal Global Titans 20%

Suggestions and comments are welcome, thank you.

Streetrat
post Nov 15 2017, 12:35 PM

Getting Started
**
Junior Member
206 posts

Joined: Nov 2009


QUOTE(T231H @ Nov 14 2017, 07:33 PM)
hmm.gif googled and found these articles from FSM....

This blog did have some almost similar situation as posted by puchongnite....and he shows how he did that.....
Sui Jau’s blog
Rebalanced my portfolio for 2014
https://secure.fundsupermart.com/main/resea...SJBlog_20131227

then the rests are from FSM....hope it can provide you with some easy to read and understand materials

Everything You Need to Know about Rebalancing-webcast
https://www.fundsupermart.com.my/main/fsmwe...atSubHeaderId=2

Rebalancing Works For Your Portfolio
Investors hear it often enough that it is important to rebalance one's investment portfolio, but just how effective is rebalancing? Our General Manager delves deeper to find out.
https://secure.fundsupermart.com/main/resea...?articleNo=2215

The Nature of the Game – Rebalancing
In order to “play” the game of investing, we need to be “in the game” longer than our fellow peers. Rebalancing is a strategy that can keep you “in the game” for longer.
https://www.fundsupermart.com.my/main/resea...ebalancing-4232

The Importance of Rebalancing A Portfolio
We have been maintaining this mechanically rebalanced portfolio so as to highlight the importance and benefit of rebalancing. In this update, we revisit the basics of rebalancing and remind investors of the importance of rebalancing one’s portfolio.
https://www.fundsupermart.com.my/main/resea...-Portfolio-5374

As The Year Comes To A Close, Consider Rebalancing….December 17, 2010
The rebalancing method has shown that over a long period of time (our back test is over 40 years), a portfolio that used the rebalancing method has outperformed passive buy and hold methods by a quite a large margin. Did it outperform in 2010?
https://www.fundsupermart.com.my/main/resea...Rebalancing-842

End of the Year, It's Time to Rebalance! December 28, 2012
As we come to the end of the year, investors who are reviewing their portfolio might wish to consider rebalancing if they want a disciplined method that works over the long term.
https://www.fundsupermart.com.my/main/resea...lance!-3024

Clearing Your Doubts On Rebalancing
https://www.fundsupermart.com.my/main/resea...?articleNo=1980

Rebalancing: Are You Doing It Right?
FSM look to provide investors with a short guide on portfolio rebalancing and discuss how it helps investors to maximise returns of their portfolios.
https://www.fundsupermart.com.my/main/resea...gust-2017--8679

Mythbusting: Frequent Rebalancing Improves Portfolio Returns
You might have heard this one before: Frequent rebalancing to simultaneously lock in profits and dollar cost average into lower priced assets will provide better returns. We examined the myth and here's what we found.
https://www.fundsupermart.com.my/main/resea...lio-Returns-566

What Is Rebalancing?
Rebalancing involves setting a fixed allocation to your portfolio and sticking to it regardless of market movements.
For example, an investor sets an allocation of 30% into US equities, 30% into Asia equities, 30% into Europe equities, and 10% into Japan equities.
Every year, regardless of how markets have performed, the portfolio is rebalanced back to its original asset allocation.
Rebalancing forces investors to take profit from funds that have gone up, and buy into the funds that have gone down.
So, as the market go through their cycle of ups and downs, the method will eventually result in an investor “buying low and selling high”, which is the recipe for a successful portfolio.
This is because no market stays low indefinitely – similarly, no market goes up all the time and never comes down!
https://secure.fundsupermart.com/main/resea...?articleNo=2215

in a nutshell....
"The construction of a portfolio requires one to decide on an asset allocation that is able to achieve one's investment objectives while within the perimeters of one's risk tolerance and investment horizon.
However, in reality, given that financial markets do not move in tandem or in similar fashion, the odds are that an investor's portfolio would deviate from one's original targeted asset allocation.
Rebalancing is a technique that removes emotions from investing and enables investors to ensure that their portfolio maintains its original asset allocation.
With rebalancing, one would be taking profits from the best performers and re-investing the profits into the underperformers. The principle behind rebalancing is simple and straight forward: no single market will be the best performing market forever, nor will any single market be the bottom performing market for eternity.
As the various economies and financial markets undergo their respective cycles, the method of rebalancing will eventually result in one buying assets when they are cheap and selling assets when they have risen in price.
Ultimately, an investor would be buying low and selling high through the simple process of rebalancing, which makes for a successful investor and a portfolio that has historically shown to have delivered stronger returns."
https://secure.fundsupermart.com/fsm/maps/m...lio-rebalancing
*
Thanks for all the post, good reading.

I just found out from Mr. Wong Sui Jau post, that he diversify his PF to 4 parts mainly US, Europe, Japan and Asia quite equally. Do you guys diversify like that too? My PF mainly Asia almost 60%, US around 20%, Europe less then 10%. Any good US and Europe fund to look out for? Should i balance out my PF like what Mr. Wong did? Thanks in advance.

3 Pages  1 2 3 >Top
 

Change to:
| Lo-Fi Version
0.0430sec    0.41    7 queries    GZIP Disabled
Time is now: 29th November 2025 - 05:10 AM