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 Opus Touch, Self-Service UT Platform

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majorarmstrong
post Aug 7 2020, 09:37 AM

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QUOTE(GrumpyNooby @ Aug 7 2020, 09:30 AM)
So this snapshot is referring to which wholesale fund?
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DIF
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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




majorarmstrong
post Aug 7 2020, 11:06 AM

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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
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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
majorarmstrong
post Aug 7 2020, 11:23 AM

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

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Agree everyone has their own prinsip

majorarmstrong
post Aug 7 2020, 12:03 PM

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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.
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Thanks for the advice
I will take note

majorarmstrong
post Aug 7 2020, 09:30 PM

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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?
majorarmstrong
post Aug 7 2020, 09:39 PM

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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.
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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?
majorarmstrong
post Aug 10 2020, 12:14 AM

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QUOTE(leo_kiatez @ Aug 9 2020, 11:22 PM)
What trick is this, tan_aniki? Please share more for us to understand. Thanks
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Turun sell naik beli
Itu saja

majorarmstrong
post Aug 10 2020, 08:19 AM

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QUOTE(GrumpyNooby @ Aug 10 2020, 07:55 AM)
So is the sign to sell is approaching?
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Hari ini turun or naik?
majorarmstrong
post Aug 10 2020, 09:22 AM

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QUOTE(majorarmstrong @ Aug 10 2020, 08:19 AM)
Hari ini turun or naik?
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Hari ini turun
1.0973 drop by 6 points
So kasi sell all left 1k?
majorarmstrong
post Aug 10 2020, 09:48 AM

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QUOTE(mamamia @ Aug 10 2020, 09:44 AM)
I just wonder y ppl want to sell at low price? I thought suppose to buy low sell high? N I thought should add units now since it is dropping
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I never sell before and I am only 2 weeks old
But again I am new and I just follow saja


majorarmstrong
post Aug 10 2020, 10:15 AM

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QUOTE(funboy555 @ Aug 10 2020, 09:51 AM)
Unit Trust is forward pricing investment vehicle. So you can't really predict the price, may be for stocks can la. Because you can see KLSE today drop a lot then u know UT price end of the day will drop also. But again, when you know it is dropping then you sell, and when it goes up you buy.

I understand previously there are some days they dropped rapidly and I see it go up rapidly as well.
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nvm let it drop today
tomorrow go up we buy lo
i just scare ding dong ding dong then headache

majorarmstrong
post Aug 10 2020, 10:27 AM

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QUOTE(GrumpyNooby @ Aug 10 2020, 10:16 AM)
Headache is the least of the problem.
Heartache or heart attack is the biggest threat for a roller coaster ride in equity market.
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betul bang

majorarmstrong
post Aug 10 2020, 10:35 AM

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QUOTE(tan_aniki @ Aug 10 2020, 10:31 AM)
i'm hoping for see saw up and down
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if flip flop then pain
if up up up up up down down down up up up down down down then ok

majorarmstrong
post Aug 10 2020, 11:25 AM

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QUOTE(tan_aniki @ Aug 10 2020, 11:17 AM)
if u know how opus work, up down up down up down is the best scenario
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If tomorrow up you buy the the next day down you sell which you will lose as well correct?
majorarmstrong
post Aug 10 2020, 12:24 PM

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QUOTE(Ancient-XinG- @ Aug 10 2020, 11:38 AM)
suggest you to leave investment.
honest opinion. not to against you or anything.
but you invest with your current mindset will not going to work.
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I just follow the concept
majorarmstrong
post Aug 10 2020, 12:54 PM

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QUOTE(Ancient-XinG- @ Aug 10 2020, 12:35 PM)
What concept. Your concept is day trade or short trading which is not applicable to UT.
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I still don't get it I just follow TS also wrong ka?
Like I said I am very new to all this totally no idea what I am doing so I just follow
Why don't u sound TS?

This post has been edited by majorarmstrong: Aug 10 2020, 12:54 PM
majorarmstrong
post Aug 10 2020, 02:03 PM

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QUOTE(tan_aniki @ Aug 10 2020, 01:18 PM)
Please dont follow blindly to me, need to listen to others
Of cos i have studied Opus and invest myself, so far earn over RM4k since 26/12 last year, if not bcos of Mar i got more than RM5k
Of cos got risk by doing my way as well, butif i put long term like what happen during March, i might get only RM1k plus
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Noted.
majorarmstrong
post Aug 10 2020, 02:04 PM

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QUOTE(funboy555 @ Aug 10 2020, 12:42 PM)
Agree. If you want to buy sell then go to Stock Market trading, now stock market very active, one day up down very fast.

UT is more to medium to long term investment and regular savings, especially for fixed income. Like that in out in out, actually you waste more time and effort monitoring than doing the right things.
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My risk appetite very low so I don't like stock market
majorarmstrong
post Aug 10 2020, 04:57 PM

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QUOTE(Ancient-XinG- @ Aug 10 2020, 03:09 PM)
See. I don’t sound TS because I don’t really know how he invest in opus.
You different. I saw your investment pattern. This is only bond fund, the way you did may don’t see much damage. And because of the fast transaction process in opus too.

But if you do this using FSM, you will lose a lot.

You must know what are you investing before trying like the way you do now.

What is bond, what is equity, what is underlying asset, what is dividen

New is ok. But don’t just shoot everywhere, and if the platform not in your favour then go condemn. Urghh
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Faham
I just put money here and there to really try to learn and catch up with the ever changing of the investment world
I put some in wahed
Put some into raiz
Put some into eUT
Put some into Samy
Put some into fsm
Put some into Opus
Put some into PMO
Then I sell everything to ensure what I put in can come out
Then I consolidate what I am more comfortable with
So now what I have is Opus, PMO eUT and Samy
EUT only hold my arim
Opus only hold ipf
PMO is pbond which I hold for more than 10 years

Again I am trying to understand the rules and how things works
I can share that PMO even it is direct but when you sell also it will take close to 5 working days for the money to come back to you
Raiz about 5 days as well
Wahed 8 days
FSM 6 days
Samy 5 days
Opus 1 day saja
EUT and FSM depend on the fund

This are all the things that I need to know before I can decide
That is why you see me everywhere
Again I have consolidate

majorarmstrong
post Aug 10 2020, 07:10 PM

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QUOTE(funboy555 @ Aug 10 2020, 05:24 PM)
Uncle very geng... I think everyone also explore opportunity here and there. I personally also invest in Opus, Shares using Rakuten Trade, SAMY register but never put in money, earlier also invested HG but dont like it. FSM for my PRS mainly, then also put money into SSPN-i and etc.

I think platform is one thing, but ultimately you have to really understand what is the underlying assets that the investment you go into like what other LYN members said. Construct your own portfolio. I think a lot of pro investors would tell you now their portfolio is like 70% bond, 20% equity, 10% gold or etc. But it depends on your own risk appetite and take Opus Touch as example, i think it gives me the bond portfolio exposure and also liquid money settlement. As for Equity, i can do the shares trade myself or I just invest into some growth fund in unit trust. So it depends how much you understand the asset classes and also risks.
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Bond and FI I have about 98%
2% is just to try on all this new thing that I recently expose to
Gold is like very high risk so I never dare to buy any gold fund
I do have sspn but very little money there

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