:-) 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 ?

Noob question alert

Why is the RHB EM's performance (bid-to-bid ann. return) so different from United Asian EM's when the former invests >95% into the latter?





For a new guy with neither time nor interest to do the necessary research, then the shortcuts are: 1. chase FD promos (follow bbgoat), 2. let the Relation Manager lead us by the nose (typically to poor returns), or 3. follow Xuzen's and other sifus' ports.

This post has been edited by biastee: Feb 25 2017, 02:50 PM

Thank you for the answer. RM--SGD was relatively stable over 2012-2014 and so, I didn't expect to see such a large difference between the 5-year ann. returns.

Thank you for sharing the currency chart. Pertaining to the 2012-2014 period, my memory has failed me :-)

If buying either RHB Bond or RHB Islamic Bond, it is cheaper to do so on CIMB as there is neither s/c nor platform fee for these two. :-) Can buy on CIMB and then quietly transfer them to FSM?

This post has been edited by biastee: Mar 6 2017, 09:44 PM

Me too! If I recall correctly, there was a 0% s/c promo at EUT last year. Anyway, won't this month should be an opportune time to buy this fund as it historically distributes in mid-March?


I don't know how to provide a link as the relevant page is behind a login. However the screen capture shows the relevant fund with the 0% s/c in red circles.

My bad. Shud transfer to EUT instead of FSM

I was dreaming of switching to RHB EM Bond during good times and then back to RHB Islamic during a recession....

Maybe not all banks impose sales charge for PRS. Last year I bought 3k worth of PRS from CIMB and there was NO sales charge. However there was a RM10.60 PPA fee. But the fund choice is very limited.

This post has been edited by biastee: Mar 7 2017, 10:29 PM

at 12 noon, updated price is RM 0.571, equivalent to 21.8% drop


This post has been edited by biastee: Jun 14 2017, 12:32 PM

When we followed the Master into RHB EMB, it has a desirable Sharpe ratio (1.55).

Of course, it is teruk now. How swiftly fortune (& Sharpe ratio) changes....

Semi-annual report emailed to me last week showed that the cash fraction has increased further to 36%.


This post has been edited by biastee: Jan 29 2018, 09:56 PM

Since nobody answered, I will take a stab at your question. However, I must warn that I am just a novice. Hopefully, other sifus can correct me if I am wrong.

Pro's
No annual management fee (vs. bond funds' 1% typical).
Assuming no default, full refund of capital on call date
Availability of high-yield / unrated bond (vs. local bond funds' typical better than BBB rated, but lower yield )

Con's
One-time 0.5% processing fee (vs. 0% sales charge for bond funds on FSM)
Concentration risk
You'll need to judge the bond's creditworthiness / default risk
High minimum amount (>=RM10k for Bond Express)

Two problems specific to this EcoWorld bond are:
No step-up coupon if the issuer doesn't redeem on the call date
No guarantor ( unlike 1MDB which is guaranteed by both IPIC and gomen)

This post has been edited by biastee: Nov 3 2018, 08:11 PM

I was trying to do the same switch in March, but CS told me that TA Dana Afif is no longer available for purchase. :-( Within the TA universe, there's no bond fund to seek refuge in.

If the missing 1W, 1M, 3M, & 6M, etc data negatively affects you, try dropping your CS an email. If enough of us make noise, they will be compelled to address our grievances. My CS replied that they will make some changes on the watchlist module by next week.