Thanks for helping out!!

Just wondering - anyone here have FSM investment accounts across countries? i.e. One in Malaysia and one in Hong Kong.

I'm tempted to apply HK FSM since it seems to offer wider ranges of portfolios and doesn't seem to have ridiculous restrictions for foreigners.

Hello all! Been MIA for a while... Been inactive in managing my funds too, just let the RSP flow in. Not a good habit
Refreshed my own spreadsheet after 1 year and suddenly the IRR jumped, making me doubt the spreadsheet for a while

Just wondering anyone's investing in FSM HK? I'm trying to update my spreadsheet for auto-fetching from FSM HK's price list as well, but their interface is too modernized that I can't get the direct XML link.

(Example for FSM MY's): https://www.fundsupermart.com.my/main/fundi...tpl?id=MYOSKAIF



But FSM HK's are using JavaScript which renders the XML reader useless

Just revived from death

Was working on individual-fund ROI/IRR but abandoned it half way due to busy work life


Maybe can slowly pick it back up again. Luckily the excel still works on Microsoft Excel 2016 Windows 64-bit , saw quite some issues few posts back (in 2017) with Mac

Thanks for the pointers! Will dig into it deeper

I agree. Putting the fetching aside (something I'm not good at), there's a few things to be considered as well as I was debating with myself to use single spreadsheet vs multiple spreadsheet by country. But either way I think its feasible to make it workable for MY / HK /SG since the funds code itself are prefixed with country codes

One of the biggest headache of merging portfolios into one spreadsheet is the problem with trade currency. For now I'm considering to make it workable across countries (one single version of spreadsheet), but maintains different file per country.

I'm keen to work together, since I'll most likely need help from you with the auto fetching with JSON (especially since even the original version's fetching code was also contributed by you ). Currently I'm continuing my half-complete work for auto update of individual fund performances, not sure when it'll be completed since I'm working on it during free time on weekend / public holidays.

Didn't manage to spend much time, too much election/politics past few days

Managed to complete my 2015 leftover chart; then completely scrap and rebuild it by borrowing some idea from idyllrain

Here's the progress so far,
 My_Portfolio_IRR_calculator_DEV___Latest___Scramble.pdf ( 549.6k ) Number of downloads: 72


Next is to start working on fetching price from new FSM interface (like FSM HK); and maybe also cross-country capability in one file (one sheet per country)

Yup I do

Well the reason was mainly because I don't really actively monitor my portfolio but wanted to get my feet in for a start, hence starting UT few years ago. Plus the amount I'm investing is ridiculously small right now, not much free cash flow at hand yet.

Might look into those in the future though, once I start doing it more seriously

I was in HK for assignments so I had HK mobile, HKID + Visa,and HK bank.
So its either transfer in via PPS or RSP directly debit from bank account. Although the first is no longer working since my HK phone number was returned to company and I can't change PPS to overseas number

Buy buy buy during the initial shock?

Wah lucky. Almost pulled the trigger before the announcement

Kenanga Growth Fund seems to have dropped heavily recently, not sure if good timing now to jump on board while low

This post has been edited by polarzbearz: May 14 2018, 07:59 PM

I'm considering either Kenaga Growth Fund or Eastspring Investments Equity Income Fund to complement my current portfolio

But not sure if Malaysia's equity is really the way to go, since China/Greater China could use some boosting too.. my current portfolio are:

FSM Malaysia only


FSM Malaysia + FSM Hong Kong


This post has been edited by polarzbearz: May 14 2018, 09:12 PM

More funds + refuse to close my overseas HKD bank account but don't want the $ to sit there doing nothing , plus no plan to bring it back to Malaysia

This post has been edited by polarzbearz: May 14 2018, 10:15 PM

Agree and disagree.

Agree that never use ILP as a vehicle for investment. Makes almost zero sense to 'invest' via ILP due to high cost and charges, plus DIY is better route to go given the flexibility and choices

Disagree on "never buy ILP". Certain circumstances, ILP insurance will still out benefit the traditional in terms of cost / coverage. But usually to be safe (and related to the point 1 above), my ILP are usually as Conservative as it can get - the focus is coverage, not investment returns. I have FSM for that

I believe FSM website details are quite limited, and it is gonna get worse once they upgrade to the new simplified interface like FSM HK's

The closest way I can think of is to do it manually in excel and add some formula to record / capture the IRR / ROI during sales of fund.

So far I'm only tracking down to irr / roi at fund level and stop there. I didn't go further from this to track irr / roi at transaction level.

The IRR Portfolio spreadsheet didn't have password I believe
Cause the idea initially was to release that stable version and anyone else that want to contribute, or adapt or change can do so

maybe I remember wrongly

This post has been edited by polarzbearz: May 15 2018, 09:51 PM

After warming up for quite some time with small investment, decided to now do it properly but by withdrawing the excess EPF funds in Account 1. Since we're restricted to one withdrawal per fund house every 3 months - anyone has any idea/recommendation on how you guys approach this? Since it might be hard to apply DCA method.

Also not sure if I should maintain the ratio of my current portfolio, which seems to be doing fine so far

Wait - that means even with the 3-months withdrawal restriction per fund house, we are not restricted from switchingfunds via FSM once invested?

I agree on aggressive portfolio - otherwise it defeats the purpose of withdrawing from EPF. Any specific reasons for foreign growth fund instead of say, mixed/diversified portfolio with both overseas + local?

I'm curious how EPF allocates their fund

This post has been edited by polarzbearz: May 16 2018, 02:58 PM

Here's the latest sneak peek on the next version of the Excel, with cross-country funds enabled (FSM MY, FSM HK, FSM SG) with auto-updater; together with cross-currency consolidation for reporting/snapshots

Thanks to idyllrain too for the help along the way contributing the JSON price fetcher + some inspirations

Still cleaning up some parts + figuring out how to best migrate old data from current stable version (to minimize another round of data entry & also utilize previous-snapshots without having to start afresh for reporting purposes)


This post has been edited by polarzbearz: May 28 2018, 09:23 AM