Mine wiped out 50% lol.
And rest assure today probably at least 40%

It's highly due to the virus hitting hard in europe. And as of ytd, there's no sign of slowing down.
The government already start taking measures to stop the spreading.

Personal thoughts, this week will be on the down sliding train until sign of slowing spread and death appear.

hence its important to find low expense ratio yet high annualised return for UT

not all UT have 1.5 expense ratio
i saw lowest <0.2% to >2%

https://www.imoney.my/articles/investment-g...sts-and-charges

1. Expense ratio

The costs of owning a fund is called the expense ratio, which is expressed as a percentage of the fund’s assets. This ratio covers the operating expenses of the investment. This is a more realistic indication of the true annual cost

Hmm... How about above statement?

Example: A unit trust fund with an expense ratio of 1.9%, means that for every RM1,000 invested, approximately RM19 per year will go towards the operating expenses. If the same investment yields a return of 6%, you will receive RM60 as returns. With a gross returns of RM60 minus the expense ratio of RM19, you are only left with RM41 as net returns.

by the example
still the lower the expense ratio, the better right?
based on example given
if 1k invested in 0.1 expense ratio UT
net return is RM50

i understand that expense ratio is associated with the fund size.

but what i wanted to express is expense ratio will affect our net return.
what i understand as per previous post by example given by imoney site
higher expense ratio will cost us more resulting lesser net profit

so that example false or true?

This post has been edited by xcxa23: Feb 27 2020, 12:50 PM

ultimately, we or maybe just ME want to maximise my net return

i dont understand why so hung-up with the fund size associated with the expense ratio
higher expense ratio = higher fee that investor had to pay
or perhaps this statement is wrong?

some financial instrument have ridiculous expense ratio/annual fee despite low return and this happen to both big and small size fund

i do not know about you guys but for me, i am not willing to invest in such financial instrument, high fee, low performance

indeed i did not take fund size into consideration because i notice some UT despite having small fund size, their expense ratio is higher and their annualised return are lower comparing to those bigger fund size that have much lower expense ratio and much better annualised return

if you notice my earliest post
i did not solely mention lowest expense ratio is a must
lowest expense ratio YET with highest annualised return.

like you said,
i also dont mind paying 2% or 3% heck even 5% if the annualised return is >20% consistently

side note
remember that investor will have to pay those fee every year even if the fund have 0% growth
hence the importance of finding lowest possible expense ratio yet highest annualised return to minimise such risk

https://www.investopedia.com/ask/answers/07...es-deducted.asp

This post has been edited by xcxa23: Feb 27 2020, 08:44 PM

pump in ytd so,
staying sideline for now..
moving entertainment budget, snack budget, starbuck, bubbletea, whatever non-critical budget to war chest

with rapid spreading covid19 and WHO ''warning'', worth mentioning the yield curve
expecting further sliding downward

while keep an eye on news, on what and how those countries handling the situation.

Same here
Potus did not actually do anything concrete enough to stabilize/convice market and investor


And I have been following with the vaccine development
Afaik, there's no further breakthrough and no successful clinical trial yet.

Depends on you

Theres saying
The time in market much important than timing the market.

Personally, I would like to try timing the market but that's just me. If you can't stomach the excitement, just do your DCA.

Yeah I know about that

While others solely believe it is mainly due to the covid19 but I believe it's also heavily related to corporate earnings worldwide.

So knowing if there's vaccine or breakthrough will helps to stabilize the market, more or less

I'm just curious
Can any of you 36% risk post SS of the asset?

From my observation
The asset Energy are very underperforming even before the virus issue

I see.. thanks
As far as I remember, never once saw it in the positive
Even when the portfolio ROI are in the green

Interesting
Mind sharing the screenshot of all the holding in 30%?
And may I know when is your 1st deposit?

its purely depends on your strategy

if you want to more diversify into more ''safe'' holding, afaik 6.5% consist heavily on bonds
while highest most of it is equities.

so imo, just made sure the two portfolio does not overlap too much.

Interesting
Which FI?

Dang it
I thought this is fsm threat..
Lol

Until covid19 under control or vaccine found

Several news stating vaccine to go on emergency human clinical trial on late April.
Until then, spreading of the virus accelerating outside china.

for my fsm acc, i stopped dca and building up war chest. still waiting the right time to enter

for samy, since its robo ai. i am very interested to see how will it perform so i just keep on my weekly dca.

imo

the Dow drop due to ''noticeable'' condition, trump trying to go against ''rule of law'', virus and oil crash
pumping money and rate cut does not really helps solving those problem