Meet Mr Harry,

He says Hi!

Actually I feel like sai lang into Asia Pacific ex Japan wor.... tangan darn itchy liao!

Xuzen

Yes and this is what scares me....

I need to use my wisdom and human intellect on this.

On one hand the numbers inputted into Algozen™ is saying sai-lang into Asia Pac ex Japan.....

On another hand my fear factor is making me hold back (after all I am still a human not robot, meaning I still possess greed and fear).

Xuzen

Now, after CNY less hectic time, perhaps will monitor forthnightly versus monthly...

Listen to T231H, our resident FSM spy contributor here, use the profit and buy something naiz for your lady friend this valentine!

Hear hear!

Optimus Prime isn't very optimistic is he?


Hello there big guy!

for those undecided , fickle minded or those prefering all you can type buffer style.... try CIMB threesome fun d
Xuzen

This post has been edited by xuzen: Feb 9 2017, 10:36 PM

AIYH, you are right! The Threesome fun d has a risk adjusted reward ratio that is better than each individual funds. This is a clear demonstration of diversification at work!

This post has been edited by xuzen: Feb 9 2017, 10:45 PM

I think I will stick to DCA. Reason as below:

Xuzen

p/s I will continue with my slow and steady (tortoise speed) DCA into Asia Pac ex japan UTF. Don't be greedy, earn enough = happy liao. Lesson learned: Most important in life is can sleep soundly in bed.



This post has been edited by xuzen: Feb 10 2017, 12:15 PM

What do you think friend Avangelice?

Do you care who is in charge of Thailand, be it the red shirt or yellow shirt? As a investor, do you put much emphasis on cronyism and dictatorship when you invest into Thailand?

I entered in mid Apr 2015 and exited in end of Sep 2015.... (CIMB Principle Greater China)


Xuzen

This post has been edited by xuzen: Feb 10 2017, 04:51 PM

Algozen™ was created by me somewhere end of 2014 and in its initial stage it was a crude attempt. Version one was experimental, version two was forgetable and currently I am using version three. I did upgrade and refining it as I progress on the learning curve.

Version one I used to narrow data, that is, one year historical. I learnt my lesson then, now I use longer period data.

Nonetheless, it was a learning experience and when noob comes along and say timing the market and whats not, I smiled coz it reminded me of my own experience.

In hindsight you may say look! You should have held on to it, bla bla bla yadda yadda yadda. But remember when you are actually in it, during that phase, actually experiencing it, your emotion will be different. Know yourself, and half the battle is won - Sun Tzu.

Regrets? Look at the chart again, if I did not sell, the Jan 2016 drop was even more severe (due to the China circuit - breaker fiasco) I don't think my heart would be able to take it...

Oh well! Live and let learn.

Xuzen

Imagine if I held on to Jan 2016, it would have been a minus forty percent plunge, no longer consider a dip or drop!

BTW, UTF must be hot again... so many noob participants. I remember half a year ago, many were saying UTF suxs, ASX FP rulez etc.... It is all a cycle.

On the subject of DCA, there is no hard and fast rule... but you may consider this: If you have MYR X amt. Take one year to DCA in, if the amount MYR X is large like MYR 50K or more.

If you DCA fortnighly, then MYR X divided by 26, if you choose to DCA monthly, then MYR X divided by twelve payments.

If you are too free nothing to do and want to perform DCA weekly, then MYR X divide by 52. Should the MYR X is too small amount and after divided is below the minimum amount, then you should do monthly or quarterly.

Xuzen

This post has been edited by xuzen: Feb 10 2017, 06:10 PM

Many of us start off with agents, such as Public Mutual. That is why we are less "kan-cheong". All the anxiousness we push to the agents. After a few years, when you are more familiar with participation in unit trust fund, then you may detach from agent and DIY.

The way he sound, I bet scots and gin will not help. He needs triple shot of Moatai plus absinthe plus vodka plus a tab of Valium for good measure.

Xuzen

You make a statement, but then says not sure... hence you sound like those kopitiam uncle. All talk but dare not substantiate.

You want to make statement then you need to analyse, come to a conclusion, make inference, make logical deduction etc to back your assertion. If not you sound like kopitiam feller and wasting post count only.

Xuzen

Perhaps problematic to you. Perhaps it is just that I'd read a lot of financial / analyst reports written by fund manaers. It is perhaps my personal opinion that when I read a report, I usually expect the analyst / author to state his call on the subject matter which is very common. If there are none (which is uncommon), then to me, that report is a waste of time and suitable for rubbish bin.

Perhaps I am wrong to assign such standard to you. My apologies friend contestchris.

Xuzen

This post has been edited by xuzen: Feb 11 2017, 12:10 PM

I am still overweight on AMREITs.

AMREITS 40% (unchanged)
RHB AIF 20% (was 40% formerly)
AHAM SBF aka Esther Bond fund 20% (split halve from RHB AIF)
India 10% (maintain)
TAGTF 10% (decreased from 15%)

Xuzen

p/s I am very overweight on Asia Pac ex Japan region.

This post has been edited by xuzen: Feb 11 2017, 12:15 PM

I have never participated in AHAM Quantum aka Ponzi 1.0. It got rejected by Algozen™ so far, perhaps because of its unfavourable risk to reward ratio. Somehow when imputed into Algozen™, she is consistently in favour of Ponzi Two aka CIMB Asia - Pac ex Japan Dynamic fund.

Xuzen

This post has been edited by xuzen: Feb 11 2017, 12:19 PM

Well not many people are familiar with Modern portfolio theory. Even if they have heard about it, not many can or wield it proficiently. It is like the nunchuk weapon made famous by Bruce Lee , cool weapon but very unwieldy.

Xuzen

This post has been edited by xuzen: Feb 11 2017, 02:13 PM

Friend AIYH,
The statement you made, is incorrect as shown below. Perhaps your data is not up to date? Or perhaps you need a trip to an optometrist?



This post has been edited by xuzen: Feb 11 2017, 02:10 PM

When in doubt, take the crystal ball™ man's word to be the gospel truth!

Quite number of times I heard that investing in UTF is more expensive than buying stock market directly. So, let me do some number crunching for the benefit of all.

Stock-market
My knowledge of stock market is a bit out-dated and my info is based on my last time when I was a stock market participant through OSK Investment Bank (many years ago, and at that time, calling your broker on the phone is still common). The charge levied upon me is 0.6%. Min brokerage is MYR 40.00 per transaction. So, to maximize the transaction, each tranche should be 40 divided by 0.006 equal to MYR 6,666.67. Anything below this MYR 6,666.67 threshold, you will still pay MYR 40.00 broker fee as that is the minimum.

UTF
For UTF, you pay 2% entrance fee each time you inject fresh capital. MYR 2,000.00 x 2% equals to MYR 40.00. Lets say you pump in MYR 200.00 x 2% = MYR 4.00 entrance fee.

The above I want to highlight is that often people will say UTF fee is expensive. But they forget to put it into proper context or perspective. When you buy a stock, unless your capital injected per transaction is large, the percentage you pay as broker fee is actually more substantial than UTF.

If you are a small ikan-bilis player and only have like MYR 200 per month to invest, which method gives you a more cost efficient way access to the stock market?

So, many are repeating something they read from somewhere or something they heard from someone, without further investigating, and they prematurely think that UTF is expensive.

Not so, if your amount is small. Stock can be more expensive. And don't forget, stock is charged both ways... that is entry and exit. So the total cost = 0.6 x 2 = 1.2%. Not that far from UTF.