Welcome Guest ( Log In | Register )

140 Pages « < 76 77 78 79 80 > » Bottom

Outline · [ Standard ] · Linear+

 Opus Touch, Self-Service UT Platform

views
     
TStan_aniki
post Aug 6 2020, 11:47 PM

Look at all my stars!!
*******
Senior Member
8,855 posts

Joined: Feb 2006


QUOTE(majorarmstrong @ Aug 6 2020, 11:44 PM)
i am just starting to take things into my own hand and still learning
so far i am only in IPF and might want to look at SIPF
so i will continue to dig abit more information about the fund
another interesting difference i notice is that IPF is more diversify see the number of sector they are in compare to SIPF
IPF has 10% in cash which i dont know why they want to do that

as for SIPF they are heavy in the telecomunication sector which puzzle me a little and less diversify

user posted image
*
That time before big crash i also got the same thinking of urs that SIPF is performing better but in fact i loose over RM1k from SIPF while earning over RM5k on IPF
I have since not dare to touch SIPF anymore and just focus on IPF
majorarmstrong
post Aug 6 2020, 11:52 PM

Look at all my stars!!
*******
Senior Member
2,239 posts

Joined: Aug 2009


QUOTE(tan_aniki @ Aug 6 2020, 11:47 PM)
That time before big crash i also got the same thinking of urs that SIPF is performing better but in fact i loose over RM1k from SIPF while earning over RM5k on IPF
I have since not dare to touch SIPF anymore and just focus on IPF
*
thanks for the advice, then i shall just focus on IPF
so dont care about SIPF anymore

GrumpyNooby
post Aug 7 2020, 07:39 AM

10k Club
********
All Stars
12,387 posts

Joined: Feb 2020
QUOTE(majorarmstrong @ Aug 6 2020, 11:52 PM)
thanks for the advice, then i shall just focus on IPF
so dont care about SIPF anymore
*
Bear in mind that IPF and SIPF are not in the same bond market.

SIPF is mainly into sukuk market whereby the sukuk issuer needs to comply to Shariah requirement too.
TStan_aniki
post Aug 7 2020, 08:50 AM

Look at all my stars!!
*******
Senior Member
8,855 posts

Joined: Feb 2006


Due to a scheduled maintenance, Opus Touch will be unavailable from 07-08-2020 12:45PM until 07-08-2020 2:30PM.
rojakwhacker
post Aug 7 2020, 09:22 AM

Look at all my stars!!
*******
Senior Member
2,146 posts

Joined: May 2019
Yesterday's Nav for Income plus fund up by 3 only. While Shariah Income plus fund up by 12. hmm.gif
majorarmstrong
post Aug 7 2020, 09:25 AM

Look at all my stars!!
*******
Senior Member
2,239 posts

Joined: Aug 2009


today morning morning i nothing to do just give opus a call
talk to one of their client portfolio manager and below is something to share:

1. wholesale fund starting investment is RM50k
2. top up is every 10k
3. Can use opus touch to top up
4. need to sign some forms
5. initial investment can be done via bank transfer or issue cheque because FPX limit 30k saja
6. Opus Fixed Income Fund - only avail for their corporate clients and some private banking customer (fund size > 1 billion)
7. they recommend to buy Opus Dynamic Income Fund - fund size over 600M
8. redemption also same T+1

DIF - they have GAMING (tak halal tak apa tapi ini judi which i cannot tolerate)
JUDI <- i cannot agree to this
ARAK <- i cannot agree to this
ROKOK <- i cannot agree to this
user posted image

This post has been edited by majorarmstrong: Aug 7 2020, 09:27 AM
majorarmstrong
post Aug 7 2020, 09:28 AM

Look at all my stars!!
*******
Senior Member
2,239 posts

Joined: Aug 2009


QUOTE(rojakwhacker @ Aug 7 2020, 09:22 AM)
Yesterday's Nav for Income plus fund up by 3 only. While Shariah Income plus fund up by 12. hmm.gif
*
i will take TS advice to stay away from SIPF
again SIPF is a much "younger" fund
GrumpyNooby
post Aug 7 2020, 09:30 AM

10k Club
********
All Stars
12,387 posts

Joined: Feb 2020
QUOTE(majorarmstrong @ Aug 7 2020, 09:25 AM)
today morning morning i nothing to do just give opus a call
talk to one of their client portfolio manager and below is something to share:

1. wholesale fund starting investment is RM50k
2. top up is every 10k
3. Can use opus touch to top up
4. need to  sign some forms
5. initial investment can be done via bank transfer or issue cheque because FPX limit 30k saja
6. Opus Fixed Income Fund - only avail for their corporate clients and some private banking customer (fund size > 1 billion)
7. they recommend to buy Opus Dynamic Income Fund - fund size over 600M
8. redemption also same T+1

DIF - they have GAMING (tak halal tak apa tapi ini judi which i cannot tolerate)
JUDI <- i cannot agree to this
ARAK <- i cannot agree to this
ROKOK <- i cannot agree to this
user posted image
*
So this snapshot is referring to which wholesale fund?
majorarmstrong
post Aug 7 2020, 09:37 AM

Look at all my stars!!
*******
Senior Member
2,239 posts

Joined: Aug 2009


QUOTE(GrumpyNooby @ Aug 7 2020, 09:30 AM)
So this snapshot is referring to which wholesale fund?
*
DIF
---------------
since learning more and more about UT and know how to read fund fact, this has help me to be a more responsible investor
that is why i always try to stick with Islamic Fix Income vs non islamic fix income
i dont mind non islamic or non shariah but GAMING, ALCOHOL, TOBACCO this 3 sector pls avoid




MUM
post Aug 7 2020, 10:34 AM

10k Club
********
All Stars
13,206 posts

Joined: Mar 2015
QUOTE(majorarmstrong @ Aug 7 2020, 09:37 AM)
DIF
---------------
since learning more and more about UT and know how to read fund fact, this has help me to be a more responsible investor
that is why i always try to stick with Islamic Fix Income vs non islamic fix income
i dont mind non islamic or non shariah but GAMING, ALCOHOL, TOBACCO this 3 sector pls avoid
*
wow, your criteria is much more stringent than the Malaysia Security Commission Shariah Screening Methodology.
notworthy.gif notworthy.gif

from
https://www.sc.com.my/regulation/regulatory...ing-methodology
majorarmstrong
post Aug 7 2020, 11:06 AM

Look at all my stars!!
*******
Senior Member
2,239 posts

Joined: Aug 2009


QUOTE(MUM @ Aug 7 2020, 10:34 AM)
wow, your criteria is much more stringent than the Malaysia Security Commission Shariah Screening Methodology.
notworthy.gif  notworthy.gif

from
https://www.sc.com.my/regulation/regulatory...ing-methodology
*
This is just my own prinsip saja
Imagine this the money u invested directly or indirectly encouraging alcohol gambling and tobacco then how will you feel? Uncle has to be socially responsible even I just invest small amount
Even rm1 also I cannot support
MUM
post Aug 7 2020, 11:17 AM

10k Club
********
All Stars
13,206 posts

Joined: Mar 2015
QUOTE(majorarmstrong @ Aug 7 2020, 11:06 AM)
This is just my own prinsip saja
Imagine this the money u invested directly or indirectly encouraging alcohol gambling and tobacco then how will you feel?
i feel nothing and i am also socially responsible for it is a business and their customers made their own choice in determining whether they gamble, smoke or drink......they don't force or monopolize the business industries
the worst one for me are those monopoly industries where gives customer no other choices....do you buy into those monopolistic companies and their related companies or uses their products too?

Uncle has to be socially responsible even I just invest small amount
social responsible is a terms that varies between individual......
Even rm1 also I cannot support
good for you if that pleases you most.....
*
majorarmstrong
post Aug 7 2020, 11:23 AM

Look at all my stars!!
*******
Senior Member
2,239 posts

Joined: Aug 2009


QUOTE(MUM @ Aug 7 2020, 11:17 AM)

*
Agree everyone has their own prinsip

GrumpyNooby
post Aug 7 2020, 11:44 AM

10k Club
********
All Stars
12,387 posts

Joined: Feb 2020
QUOTE(majorarmstrong @ Aug 7 2020, 11:23 AM)
Agree everyone has their own prinsip
*
If you want to adhere to that principles, only aim for Shariah compliant funds.
With that, you can have piece of mind.

Another thing is that FFS is updated in monthly basis, for a particular conventional fund, it didn't not invest into those sectors but that doesn't mean that the fund won't invest into it in upcoming months.
And also FFS is a historical data.

This post has been edited by GrumpyNooby: Aug 7 2020, 11:46 AM
majorarmstrong
post Aug 7 2020, 12:03 PM

Look at all my stars!!
*******
Senior Member
2,239 posts

Joined: Aug 2009


QUOTE(GrumpyNooby @ Aug 7 2020, 11:44 AM)
If you want to adhere to that principles, only aim for Shariah compliant funds.
With that, you can have piece of mind.

Another thing is that FFS is updated in monthly basis, for a particular conventional fund, it didn't not invest into those sectors but that doesn't mean that the fund won't invest into it in upcoming months.
And also FFS is a historical data.
*
Thanks for the advice
I will take note

majorarmstrong
post Aug 7 2020, 09:30 PM

Look at all my stars!!
*******
Senior Member
2,239 posts

Joined: Aug 2009


i have a stupid question related to the NAV
today is 1.0002 tomorrow can be 1.0003
so what determines the up or down of the NAV?

like stock market it is about buyer and seller
but for UT there is no real buyer / seller especially for those Bond fund
the bond fund they buy into GG Bond or AAA bonds etc etc
so what determines the value of NAV?
GrumpyNooby
post Aug 7 2020, 09:35 PM

10k Club
********
All Stars
12,387 posts

Joined: Feb 2020
QUOTE(majorarmstrong @ Aug 7 2020, 09:30 PM)
i have a stupid question related to the NAV
today is 1.0002 tomorrow can be 1.0003
so what determines the up or down of the NAV?

like stock market it is about buyer and seller
but for UT there is no real buyer / seller especially for those Bond fund
the bond fund they buy into GG Bond or AAA bonds etc etc
so what determines the value of NAV?
*
Valuation of the assets under holdings.

If you buy stocks and once order matches, you will acquire certain number of units.
It'll be units under holdings until you dispose (sell) it.
When it is under your holdings, your valuation will not be static as it is subject to trading by other interested parties (not you) for it.
Here's the concept of paper return comes (either paper gain or paper loss).

Same goes to the unit trust.
Fund NAV movement is due to valuation of the assets under holdings due to above analogy.
majorarmstrong
post Aug 7 2020, 09:39 PM

Look at all my stars!!
*******
Senior Member
2,239 posts

Joined: Aug 2009


QUOTE(GrumpyNooby @ Aug 7 2020, 09:35 PM)
Valuation of the assets under holdings.

If you buy stocks and once order matches, you will acquire certain number of units.
It'll be units under holdings until you dispose (sell) it.
When it is under your holdings, your valuation will not be static as it is subject to trading by other interested parties (not you) for it.
Here's the concept of paper return comes (either paper gain or paper loss).

Same goes to the unit trust.
Fund NAV movement is due to valuation of the assets under holdings due to above analogy.
*
here the asset is GG Bonds which will also go up and down or they already lockdown?
or they recevie more investment they will go to bond retail market to buy more bonds with their funds?
GrumpyNooby
post Aug 7 2020, 09:42 PM

10k Club
********
All Stars
12,387 posts

Joined: Feb 2020
QUOTE(majorarmstrong @ Aug 7 2020, 09:39 PM)
here the asset is GG Bonds which will also go up and down or they already lockdown?
or they recevie more investment they will go to bond retail market to buy more bonds with their funds?
*
Bond got two elements; bond price and bond yield.

If you hold the bond till maturity date, you'll receive coupon payment at rated yield.

If you wish not to hold the bond that long, you can dispose at the bid/ask price in the bond market by other interest parties.

QUOTE
Special Considerations
To an individual bond investor, the coupon payment is the source of profit.

To the bond trader, there is the potential gain or loss generated by variations in the bond's market price. The yield to maturity calculation incorporates the potential gains or losses generated by those market price changes.

If an investor purchases a bond at par or face value, the yield to maturity is equal to its coupon rate. If the investor purchases the bond at a discount, its yield to maturity will be higher than its coupon rate. A bond purchased at a premium will have a yield to maturity that is lower than its coupon rate.

YTM represents the average return of the bond over its remaining lifetime. Calculations apply a single discount rate to future payments, creating a present value that will be about equivalent to the bond's price.

In this way, the time until maturity, the bond's coupon rate, current price, and the difference between price and face value all are considered.

https://www.investopedia.com/ask/answers/02...coupon-rate.asp


This post has been edited by GrumpyNooby: Aug 7 2020, 09:46 PM
anwa
post Aug 8 2020, 11:45 PM

Enthusiast
*****
Junior Member
772 posts

Joined: Mar 2007


Mind i ask, any difference of buying IPF via opus touch, eunittrust, fsm? Which is the cheapest method

140 Pages « < 76 77 78 79 80 > » Top
 

Change to:
| Lo-Fi Version
0.0312sec    0.17    6 queries    GZIP Disabled
Time is now: 29th March 2024 - 09:51 AM