Haha. Like you said, if it ain’t broke, why fix it!?

But the KAF Core is more impressive esp the last 5 years, 24%p.a.

If a fund is good, stick with it. No need to chase the latest fund. That my principal. Like the Scottish mortgage fund. It's a good fund listed on LSE

Got lots of fund giving like 30% return for past 1-2 years. Must look at long term how it fare. So far the most consistent fund is the KAF core

so in terms of unit trust, there's not so much of buying 'low' and selling 'high' i suppose? for example kaf core will keep going up and up

Got. Many of my returns from unit trust are from buying near low. No one can buy at the exact low.

Why? Keep in mind. Unit trust hold a basket of stocks. If price goes down, NAV also goes down. Also majority of unit trust hold like 5-say 20% of cash (maybe wrong here) so that low % of cash won't offset the NAV drop when market drop.

Long term likely doesn't matter if the fund is good. If the fund is lousy, it's a whole different story. Lol.

But if you are like me who likes to get extra returns, you need to have cash standby.

From bloggers who I follow, all make their money and wealth by having cash and buying when things are cheap. Only some bloggers will continue buying even though all time high.

Mind sharing which bloggers you following? want to read up on what they blog as well, tyty

once in a about 10 years. is it time soon?

my eastspring small cap, invested using EPF since 2016, top up on 2018, now return as per today is 43.88%

quite good performance...the only sad thing is no longer can invest the same fund via epf.

This is no good. For 8 years 43.88% is just around 5%pa.

I am also reading here looking for UT with more than 8%pa return.

to me consider ok la since that day1 i bought consider quite a high price

If u have left it in epf u would have got better returns.

Where n what product u use to park your money while waiting?

https://singaporeanstocksinvestor.blogspot.com/?m=1
Me tako escape (his blog disappeared already)
Joseph Carlson
Joseph Carlson after hours
Dividend guy
Brian feroldi
Mr fired up wealth
Chip stock investor
Dividendology

Who knows.


Agreed.

If you are using EPF money you better be damn sure it beats EPF money or match it. If it cannot beat it match EPF, don't bother. That's why I set my target at 10%p.a

EPF, interactive broker. I am using my RM100k to buy sg banks over putting money into EPF.

When u mentiOned most bloggers bought the stocks when the price are low, for the current situation when most of the stocks are over valued, it’s still sensible to DCA into QQQ OR SP500 ETFs right?

Also the Rm100k which u intend to put into SG banks, are u gonna put all Rm100k at one go to SG banks by this year or u gonna wait till the price drop?

Most of them practice market timing. They use technical analysis (which I don't do). They don't buy when overvalued. There are 2 schools of thoughts. One is buy when valuation is cheap. Notice I didn't say price. Eg Nvidia is actually cheap even though price is expensive (if they can sustain current demand). Another is buy at any price. Look at Amazon and Costco, never go on sale. What is expensive now is actually cheaper in the future. Same with ringgit. I started my journey when RM Vs 3.0 Vs SGD and 4.0-4.2 Vs USD. You need to pick your camp. I am both camp. I practice market timing. Something I just buy regardless of price.

That's the beauty of being flexible. No need die die buy sg banks. Buy other quality companies that are on sale.

I already did my purchases early this year. Maybe this is new thing I said, the RM100k I can always divert elsewhere if no good deals. Not die die must buy sg banks. Must learn how to be flexible. My 100k already allocated into sg banks early this year when price was still low.

This post has been edited by Ramjade: Jun 20 2024, 07:10 AM

scare will be like interpac dana sufi only

All funds will not perform eventually. Need to monitor. Also I od t touch anything shariah.

Hi sifu's here. I have a few questions here regarding my investments with Public Mutual from my EPF account 1.

1. How do you know if the returns from PM is lower or higher than what you would've got if you had kept the money in EPF account 1?
2. My way of calculation is (since I didn't touch my EPF account 2), I take my current account 2 balance as 30%, and assume how much should my EPF account 1 70% should be. For example, if I have 30k in my account 2 now, my account 1 should have 70k, if I did not withdraw to EPF. Is this method correct?
3. I am very confused with how PM show the fund performance in PMO app. The returns are shown as total unrealised P/L from the total investments into the fund. For example, I might see a return of 70% which seems great, but considering it has been more than 10 years without top up, it actually isn't that great. In 10 years considering an average of 5% EPF dividend, my money would've doubled! Isn't this misleading?
Hopefully someone can enlighten me as I am not invested in other unit trust funds except PM.
Thanks.

I think it is better and easier for investors to compare if the fund provides "annualised returns" value. FSM has funds returns displayed in annualised value for those funds they sell too.

Seems like PM did not provides that.
But since you got total investment return value and the period of investment (in years), you can try to convert the total return into annualised value yourself.

Can try this article for some idea as it has examples too.
How To Calculate Annualized Returns (With an Example
https://www.indeed.com/career-advice/career...nualized-return

Just found the annualised return calculator.
https://www.buyupside.com/calculators/annualizedreturn.htm


This post has been edited by MUM: Jun 28 2024, 06:22 AM

Try this excel on the first page.
https://forum.lowyat.net/topic/4193169

Not sure if you can get the fund code from public mutual. If cannot get, you cannot use the excel file.

Also don't use app. Use desktop where possible.