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?

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.

Dear sifu xuzen,

Can I ask how to get these 4 variables? And how to use it to choose funds?

only number (1) I know which I can get from fact sheets.

And how about volatility and R/R ratio (is it same with sharpe ratio)? Would normally we use these 2 instead for choosing funds?

And 1 more question. What is IRR and how to calculate it?


Really noob question...

Thank you sifu xuzen

I don't want maggi mee la.

Just not familiar with morningstar website.

Guys sorry if im asking a very dumb question.

How can i start invest in UT? Let say i am a moderate risk taker. So the next step is look up how much allocation in asset class should balanced portfolio look like right? Then I decide/allocate % on which area i want to diversify and lastly choose funds. But how to validate that my final tailor made portfolio is indeed balanced portfolio? Or just for newbie I just follow the recommended portfolio from FM or PM?

Or for more easy way, invest tru agent?

Hey all I use the fund allocator for the 1st time and this is my portfolio. All funds are shariah funds. Does it look ok?

AmanahRaya Shariah Trust Fund 5%
Maybank Malaysia Sukuk Fund 5%
Dana Makmur Pheim 15%
TA Asia Pasific Islamic Balanced Fund 5%
Aberdeen Standard Islamic World Equity Fund 20%
Eastspring Investments Dinasty Equity Fund 15%
Principal Islamic Asia Pasific Dynamic Equity Fund 10%
Affin Hwang AIIMAN Asia (Ex Japan) Growth Fund 10%
Maybank AsiaPac ex Japan Equity Fund 15%

My asset class allocation look like this:
20% Balanced
70% Equity
10% Fixed Income

And my geographical allocation look like this:
5% Asia
25% Malaysia
35% Asia ex Japan
15% Greater China
20% Global

Any comments?

Because in term of return, this fund seem giving on par return vs those good EQ shariah funds on long term > 5 years

Thanks for the suggestion. I pick principal islamic asia pasific dynamic equity fund and affin hwang aiiman asia (ex japan) growth fund and replace the remaining with previous metal and bimb arabesque i global dividen fund 1

AmanahRaya Shariah Trust Fund 5%
Maybank Malaysia Sukuk Fund 5%
Dana Makmur Pheim 5%
Aberdeen Standard Islamic World Equity Fund 20%
Eastspring Investments Dinasty Equity Fund 15%
Principal Islamic Asia Pasific Dynamic Equity Fund 15%
Affin Hwang AIIMAN Asia (Ex Japan) Growth Fund 15%
Precious Metal Securities 10%
BIMB-Arabesque i Global Dividend Fund 10%


10% FI
5% Balanced
85% EQ


15% Malaysia
30% asia ex japan
15% greater china
40% global

Guys I bit of technical question here,

let say I want to go with these funds, so does my calculation right for the initial investment and RSP? Or is there any strategy to execute this portfolio? Like maybe invest slowly by portion?

I got the cash and I can put it at once but not gonna lie I feel little uncomfortable as this is my first time investing. As RSP, if looking at the allocation, the min amount that I must put every months is RM2k to achieive the % allocation. For the RSP, my saving permonth varies 2k-3k and I already have 6 months emergency saving. So I can put 2k every months but still it feel quite overwhelming for me.
Thanks! Will look into this.

Guys any comment on the fees between managed portfolio vs DIY?

For MP the subscription fee max 1% + management fee 0.50% per annum, charged on a quarterly basis
vs
for diy we have sales charge for every funds in our portfolio + management fee

and MP has Minimum investment MYR 1000, Subsequent investment MYR 500 and Minimum RSP MYR 100

interpac gonna launch new equity US-focused shariah fund named Dana Abadi.

Guys I can't get this out of my head.

Whatever portfolio I design and backtested 5 years it can't beat Eastspring Investments Dinasti Equity Fund alone. So why should I diversify? If I can stomach the volatility I just can invest single fund only right? Sorry for the dumb question.

Sorry i don't get your question?

I just looked at 2016-2017 return each year. Of course on 2018 the fund go down more than the portfolio but on other years it beat the portfolio.

haha dont like this la sifu

I know it a dumb question.

May I know which FM managers or fund house you all think that has great track records? I means you all keep saying avoid rhb is possible but why? No point dca into losers right?

Here is my current portfolio. Just entered last month after asking few questions is this thread. All swimming in red.

Guys I'd just invested in UT about 2 months ago and I just casually checked my portfolio and found out one of my funds gain about 73% but the price last updated is on 24 mac. Almost 2 weeks now and still not updated. The fund is principal islamic small cap opportunities fund.

Anyone know what happen with this fund? All my other funds are still red mostly and the green one just below 5%. Seem abit weird for me this fund gains so high. Maybe a glitch or something?

I not calculate anything. The system show i gains 73%. I invested RM100 but current value RM173. I show you the screenshot. Sorry it from my phone so cant see whole view of the funds names



Attached thumbnail(s)

How can I calculate alpha and beta for a fund? Is it readily available or is there are free calculator out there?

thanks!!