don’t happy happy yet
hope later market don’t crash again…

ringgit up SA investment return down

XLE is the best performing asset at the moment

black rock portfolio optimised more frequently…so far feel better than existing SA portfolio

Deposit into black rock portfolio start in Sept 22….look ok so far.

MWR return 5% (local currency) and MWR 11.X% (USD)







This post has been edited by bcombat: Dec 4 2022, 01:02 PM

SA simple rate revise to 3.1% pa

SA playing defensive stance

Very volatile counters.
Quite similar to KWEB

This post has been edited by bcombat: Dec 28 2022, 09:43 PM

try the black rock portfolio

the fund managers/ robo advisors sure they want to say something goods about their portfolio to attract more investor come abroad. After all their rice bowl is from the management fees that impose on the investors funds.

more money in the funds = higher fees collected. So, we have to do proper due diligence on the funds prior to investing.

a little bit from black rock aggressive portfolio

when market recover later, SA portfolio returns likely show much better results than now. But need to wait….

why place so much of our funds in cash equivalent?

they should have done so early/ mid of last year.

Putting substantial of funds in the cash equivalent assets may not be safer option when the dollar is weakened. Can see MWR for USD has improved but MYR in ringgit were headed to different direction.

Selective unit trust has set aside 1x% to 2x% into cash/ money market funds since mid of last year. SA only adopt defensive stance at end of last year.

something like for the Malaysia equity fund’s benchmark against KLCI. US equity funds will benchmark with S&P 500 etc.

Equity fund is more volatile than FD.

too good to be true…

Just calculate the simple past dividend payout for past 3 months. The calculation is correct as per the current projected rate of 3.3%.

Only drawback is the rebate only pay out every 3 months..need to wait patiently for the rebate payout.

your comment indicated you know nothing about SA simple

I treat it like a high yield saving account