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 Opus Touch, Self-Service UT Platform

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funboy555
post Mar 31 2020, 03:14 PM

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QUOTE(tadashi987 @ Mar 31 2020, 03:05 PM)
Anyone here aware that if I sell SIPF and IPF together at same day and same time, it will be seperate payment ?

also, SIPF payment will be later than IPF? as I have received the payment for IPF but SIPF.
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Ya. I think it will be separated because IPF is Maybank Trustee and SIPF is Standard Chartered Trustee. May be different bank processing windows of payment different a bit.
funboy555
post Apr 28 2020, 10:59 PM

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QUOTE(tadashi987 @ Apr 28 2020, 11:29 AM)
why tho, nomura month to date is performing better than opus
Nomura
user posted image
Opus income plus

user posted image
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user posted image

I think investment horizon has to be longer. Have to look at downfall performance and see how much the fund can rebound back. Just my 2 cents.
funboy555
post May 2 2020, 12:34 PM

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QUOTE(tan_aniki @ Apr 29 2020, 06:24 PM)
Dear Investors,

In view of the challenging market environment, Opus Asset Management Sdn Bhd (OpusAM) will be organising a Webinar this Saturday, 2nd May 2020 to share our insights on the market as well as provide an educational session on fixed income investments.
The details of the event are as below:

Topic : “Bond with OpusAM: Navigating through these Uncertain Times with Fixed Income”
Time : Saturday, 2nd May 2020 ; 2:00 PM – 3:00 PM (UTC +08:00 Kuala Lumpur)
Online Event : Microsoft Teams Webinar
Agenda

2:00 PM – 2:10 PM    Opening Speech by Managing Director
2:10 PM – 2:25 PM    Understanding Bonds & Investments
2:25 PM – 2:40 PM    Market Review, Outlook & Strategy
2:40 PM – 2:50 PM    Updates on our Unit Trust Funds
2:50 PM – 3:00 PM    Question & Answer (Q&A) Session
Kindly click on the link below to register for the event.

Microsoft Teams

Registration Form
Alternatively, you may paste this URL into your browser and press Enter if the above link does not work.

https://forms.office.com/Pages/ResponsePage...0NQNDJMVDdNVS4u
Upon registration in this form, you will be sent another e-mail with a Microsoft Teams link to join the Webinar.

In the event you do not receive the e-mail with the link to the event, kindly check your "Junk" or "Spam”.

We look forward to your participation at our online event, and stay safe during this pandemic season.

Thank you.
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QUOTE(krayonnies @ May 2 2020, 12:01 PM)
So put in the money regularly in IPF for a period of time then redeem it when the bond price is high, am I right? I assume this is a long term investment right?
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They are having a live webinar later. May be is good to join and learn. I am joining as I am still new to bond market. Good to learn more about investment to gain passive income.
funboy555
post May 4 2020, 07:07 PM

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I treat it like a long term savings since Bond fund are generally low risk and stable, and in long term based on track records are outperforming FD interest rate. now FD only offer 2.6+%, i put in IPF in early April also get that kind of return already.
funboy555
post May 12 2020, 05:51 PM

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I just top up with boost 5 minutes ago. I think they fixed the problem.
funboy555
post May 15 2020, 05:12 PM

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QUOTE(choco_ice @ May 12 2020, 03:59 PM)
Yes no problem with fpx, something wrong with boost
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QUOTE(abcn1n @ May 15 2020, 04:34 PM)
That's what I mean--its a combination of the coupon rate plus the capital appreciation. I just want to know the coupon rate but I guess Opus is not telling us from what I quickly read through its prospectus. If the price actually drop on the 365th day compared to the price that one bought, the total earned would likely be less than 7-8% pa. Its because the bond price has been rising (due to interest rate dropping), that we are able to get around 7-8% pa
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I think you can find the info from their latest fund fact sheet.

For IPF,
https://www.opusasset.com/wp-content/upload...v=1589533560223

I think the coupon rate that you are mentioned is something like the portfolio yield they mentioned in the fact sheet.

Now 1 month FD on board rate 1.90% and 12 month is only 2.10%, I would rather save my money in Opus bond funds. so far i made redemption and it is really super fast, the next day get my money and all with all the daily price earning. Love it! wub.gif

I did not really go in and out la. I see it not much difference unless it is a huge drop like end of March. or else if withdraw today, tomorrow if the price go up again, you enter at high price again. Short term price movement should not be a concern. and I saw earlier some big big posted that it is unit trust, it is not a trading accounts, and it is not a stock, so I think for medium and long term investment or I treat this as my savings with great interest earn, I wont bother to do the in and out. just a personal opinion.
funboy555
post May 15 2020, 05:39 PM

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Ya man. I think has to be fair, be it afternoon get or at night get, it is T+1. I think they are doing the best effort. I never see anyone in the market can do this. Last time I invest in those others, 5-6 days to get my money back. Even those so called Robo Adviser also takes 5-6 days.

It is not easy, first the funds need to be liquid and also the way the process our applications is crazily smooth and fast. Really give credit to them. CS team also responsive.
funboy555
post May 18 2020, 11:45 AM

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QUOTE(tadashi987 @ May 18 2020, 10:57 AM)
ya the chart seem to be ploted with adjusted price now instead of a big drop  blush.gif
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QUOTE(GrumpyNooby @ May 18 2020, 11:01 AM)
There're two graphs:
Performance Chart (NAV adjusted and against benchmark)
Price (NAV) Chart (I believe similar to previous one)
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It is a different chart @tadashi987,

GrumpyNooby is correct. I think they added a new performance chart which plot month to month. Month to month the funds are making positive returns, from the price data it looks correct.
funboy555
post May 18 2020, 10:35 PM

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QUOTE(tadashi987 @ May 18 2020, 08:44 PM)
looking at the performance chart

so YTD
IPF: 3.26%
SIPF: 3.01%

betul?
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Ya i think roughly there.

The formula could be (current / 31 Dec.) - 1

I see the website now is (13,22 / 9.96) - 1 = 3.273% for IPF.

not sure correct or not.
funboy555
post May 19 2020, 11:00 AM

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QUOTE(abcn1n @ May 18 2020, 10:47 PM)
Nope
No. You cannot calculate like that  as your base should not be based on 9.96%. Remember, the 13.22 and 9.96 is based from 18/10/2018
Best is to use the price chart.
IPF YTD= (1.0779-1.0554+0.008)/1.0554=2.89%

Edit to include distribution of $0.08/ unit
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Ahhh...Correct. Thanks bro. hahaha forgot about the base is different.

Your formula should be the right one. Thanks.
funboy555
post May 19 2020, 01:52 PM

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QUOTE(GrumpyNooby @ May 19 2020, 01:13 PM)
user posted image

The image they put on their portal is rather misleading.
I thought they got app for account management. laugh.gif
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user posted image
user posted image


Actually I dont understand why need to have mobile apps. I prefer it to be browser app. Now all smartphone browser like i use chrome, can have this option call "Add to Home Screen"

Then later it has a Opus Touch "App Icon" in my home screen, and when click then it looks exactly like an app to me.

I am not so sure about iPhone, I am an android user, may be iPhone safari also have such feature. I did for some of my web app also.

Try it.
funboy555
post May 19 2020, 02:11 PM

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QUOTE(GrumpyNooby @ May 19 2020, 02:05 PM)
Checkout (Payment) would be easier like HG and Fave.
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How easy? Depends on how you use it. Most of the time I will use my laptop to login, because of Boost has a lot of Scan and Pay mission which only web application can complete.

I also tried their mobile version of Opus Touch and make payment with Boost, it is even much easier like I can tap and pay (depends on your phone capabilities and Boost setting of payment), if you use pin then it will ask you key in pin, if you use fingerprint like me, once tap and pay Boost will ask you to put fingerprint and money straight go through. So I am not sure what do you mean easier like HG or Fave? Have you try like what I did? You try first then you will understand. To me it works exactly like Fave if you open Opus Touch using mobile phone and of course your mobile phone must have Boost app also.
funboy555
post May 21 2020, 09:38 AM

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QUOTE(datolee32 @ May 21 2020, 09:35 AM)
Hi, anyone know what issue cause the MPF fund drop from 1.0086 to 1.0047 today?
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Ya. I saw it also. May be is income distribution. The price has yet to publish at website.
funboy555
post May 21 2020, 06:26 PM

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QUOTE(coo|dude @ May 21 2020, 03:29 PM)
so following the strategy in this thread, you all will then sell MPF funds and repurchase it? Or you all sell the fund before the anticipated distribution?
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QUOTE(!@#$%^ @ May 21 2020, 03:39 PM)
it's the same. the dividend will give u extra units but the NAV drops the same proportion.
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Ya. No point selling and buy back, end up you may lose one day return. Distribution is just adjusting the price and if you opt for reinvest, the units will be created on the after distributed price (which is lower), at the end, your Units * latest price = same market value before distribution. But your units has more and average cost is lower.
funboy555
post May 28 2020, 04:02 PM

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QUOTE(GrumpyNooby @ May 28 2020, 02:41 PM)
Maybe he's a VIP at FSM; no charge for platform fee.
Some of the Opus wholesale funds seems like no platform fee.
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Ya. I think depends on funds. I see some fund published at FSM charge platform fee, some dont charge. Not sure how it works.
funboy555
post May 29 2020, 05:39 PM

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QUOTE(thecurious @ May 29 2020, 05:27 PM)
Do you all select dividend reinvestment or cash dividend payout for the income distribution?
Wondering if there is a preferable option between the two or no difference?
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Some funds have minimum distribution payout like RM50 or RM100. So if you do not meet that minimum payout amount, it will reinvest back for you.

As for Distribution payout or reinvest, it really depends on your preference. If you have 1 million to invest, and if the fund give you a monthly distribution, so that monthly distribution let say can give you RM 1,000 per month, and you think you want to use this money as monthly expenses, then you can choose to payout, because you don't want to perform redemption monthly.

If your monthly distribution is only around RM 100 or you don't need to use that money, the better option is to reinvest back, because after distribution the unit price will reduce and you can reinvest back at lower price and acquire more units. In a way also lower down your average cost per units.
funboy555
post May 31 2020, 05:28 PM

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QUOTE(zenquix @ May 31 2020, 04:13 PM)
ah it means that can withdraw any amount as of May 29 but cannot go below the delta added between May 30 to June 30.

i.e as of May 29 got 30k. Add 1k during the promo period. Can withdraw max of 30k before Sep30
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I think this is correct. If you have balance of RM30k as at 29th May, you can still withdraw that 30k and it is still qualify for the promo if you put in 1k within the promo period.

Anyway, someone can help to check with their customer service? Since they always quick in response. Please help to update here if someone got the answer.

Thanks.
funboy555
post Jun 24 2020, 09:04 AM

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QUOTE(datolee32 @ Jun 23 2020, 10:35 PM)
Ok, thanks for explanation. By lowering down the fund price through distribution, i think there's more higher potential gap for the price to go up, instead of fluctuating at high price. Please correct me if i am wrong.
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By giving distribution is an exercise to
1. Lower down the fund price.
2. To distribute income for big investors who want a consistent payout.

The lower price is just a misconception from people that lower price means more worth it to enter. Unit trust shouldn't be the case, as the return especially for Fixed income fund is consistent and stable, so the return is steady.

For example,

RM 1.0000 price if up by 1% = RM 1.0100

RM 2.0000 price if up by 1% = RM 2.0200

it is still 1%. if you buy in at RM1 with RM 1000 means you will have 1000 units. if buy in at RM2, you will have 500 units.
If the fund return goes up by 1%, regardless of what, your money value will also be up by 1% to 1010.

1000 units * RM 1.0100 = RM 1010
500 units * RM 2.0200 = RM 1010

Hope this explain well to you.
funboy555
post Jun 24 2020, 02:24 PM

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QUOTE(wendygoh @ Jun 24 2020, 02:05 PM)
Yes, that is its already been taxed only give back to investor so that investor will not be tax again.
At the end of the day it its been taxed.
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For Opus Funds seem to be tax exempted, i received the past distribution tax voucher, there is no tax amount at the Malaysian Tax or Foreign tax column.

Other type of funds may be will have tax, but I think tax is still subject to those tax expert to explain, different people different tax treatment and bracket.
funboy555
post Jul 1 2020, 11:15 AM

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QUOTE(Ancient-XinG- @ Jun 30 2020, 03:01 PM)
Won 100 myr. What stay safe contest
What contest is that lol
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So lucky. I wish I could win that.

Raya campaign also over. See who can win that RM800, 500 and 200.
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