Ah - a Property bro! I need to learn much much more on direct property investments. So far, no matter how i calculate it, it doesn't make much sense to me VS paper assets as i'll be locking up a huge % of my $ in 1 transaction + illiquid. Having said so, like paper investments, i've forced myself to get into it in 2009 also - got a "starter" service apartment with positive cash flow with 16% to 18% down payment & 28 yrs loan fixed rate ING 4.8%pa, in Casa Subang.
I still don't get it - even with the leverage, if i sell now, all in all, i'll get a net profit of CAGR/pa of only about 38%pa (if i compare to personal cash outlay only, ie. cash on cash returns). I'm kinda thick and slow me thinks Is there i topic somewhere in LYN that can point me (i'm a good digger once pointed, digging hungrily ) to the right direction for residential and commercial properties?

Hm.. since i dont believe i've a working crystal ball, i never invest by thinking too high/too low. I buy value , just like my grocery shopping and cash back credit cards.
For trading - i buy value too when volume spikes.
Thus, is KLSE too high to go in? er.. depends lor. Different strokes for Different Folks.
FYI - lots of folks (contrairians?) said 2010 was too high to buy in... i made, several transactions, >=25%pa returns in mutual funds and of all things, in PIX (index fund - though not strictly an Index Fund per se) using programmatic approach of TwinVest. Google that word - you'll find a host of interesting stuff. It's a combination of DCA & VCA & it's one of the tested methods that i've used real cash & time testing (also DCA, Trend, Counter-Trend, etc.) for mutual funds.

Oh.. i dunno if this will be interesting to U and the folks here reading this Fund topic - i've done a compilation and added 2 columns of statistics for Public Mutual funds' historical data.
10, 5, 3 & 1 yr ending 2011
10, 5, 3 & 1 yr ending 2010
10, 5, 3 & 1 yr ending 2009
10, 5, 3 & 1 yr ending 2008 (as a comparison on how bad crashes can be on Mutual Funds - yo yo! WHO said die-worsi-fication is good to protect yr investment take a look at this! Diversification shd be done across different categories of Assets, eg. Bonds, Equities, Alternatives, Cash Equivalents)

Shocking.. and eye opening - especially PSmallCap. Looking @ 2009 to 2011, it's INCREADIBLE. It's CAGR/StdDev is more than 1! ie. it cannot lose!
However, take a look at it for the years ending 2008. I think one of them shows PSmallCap hitting -32%+ CAGR drop

Note - all these statistics were pressed out of Financial Advisor just for idea sharing purposes ar - use at yr own risk

This post has been edited by wongmunkeong: May 16 2011, 10:20 PM


Attached File(s)
 PM_10__5__3__1yr_stats_for_years_ending_2011__2010__2009___2008.zip ( 94.6k ) Number of downloads: 297

Good Sharing on the data of Public Mutual Fund. Keep it up, brother. Loving it :-)

Transit, thanks for the feedback. I'm just wondering whether anyone out there can actually make heads/tails of a crazed rat's ramblings in Excel bwhahaah. During spare time, i either read or test statistics - NerKy by nature (Nerd + TurnKey Automation kinda person). Any feedback on how it can be more useful is greatly appreciated - it may help adjust my personal methodologies too


This post has been edited by wongmunkeong: May 16 2011, 10:24 PM

the interesting part abt prop investment is LEVERAGING.

U come up with very minimum and using OPM to invest, for RM1mil prop, u come up with RM50K to RM100K (depending on developers), if the prop grow to RM2.0mil (it is achieavable in many cases in KLV if u invest in 2009), then your return will be RM1mil net over 50K initial deposits (for the case of 5/95). 20 times return or 2000% return. But for prop investment it will need different expertise, networking, studies, and etc.

The best forum on this topic is not in Lowyat.

Bwhahah - ok ok, best forum on this topic isnt LYN. Can point me to the other forum ar? heheh.

Wong, the data in Excel Spreadsheet is really detailed analysis for all funds under PMF (Public Mutual Fund) for the past 1, 3, 5 and 10 years. BTW, may I know whether if you are using FP Advisor (software by Public Mutual) or other software for this data mining? If that is not FP Advisor software, may I know what is thw other tools to do this kind of detailed data mining. I like to learning from you. I like to do data analysis during my spare time as well.

I just used FPAdvisor using specific dates (not the built-in 10, 5, 3,1), then add in my own conditional formatting to automatically highlight certain stuff for my eyes to pick-up + 2 additional columns which i think FPAdvisor needs but tak da (IMHO lar):
a. CAGR/STDDEV for ascertaining how much % probable that investment in that fund could have lost $
b. Total returns / Total Benchmark returns for ascertaining how well that fund did Vs. its benchmark

sent to you already, check your PM

Wong: Just wondering if there is any reason those Alpha 30 or Alpha 40 fund is not in the list? Are they too new to be in the 1 year list?

I think so - not ripe enough yet (1 yr old FULL minimum). Even in Personal Money mag - lots of new funds not listed, mostly belum cukup ripe yet (min 1yr old FULL)

Wong: Thanks for the clarification. It cleared my doubt here (for the Alpha 30/40 Fund).

Thanks for the tips on the fully utilized the FPAdvisor. Thumb UP!! n_n

Hi all, I have a question. Is buying unit trusts like buying other stocks? i.e. need to use a broker?

what about PFES? i thot this fund has at least 5 years track record?

Got ar PFES, definitely in the 2011 and 2010 end files - do a search in Excel.
Bro - the files are named in such a way that the 10, 5, 3, and 1 yr ENDS on 20110512, 20101231, etc.
Thus, PFES may not be in 2008xxxx and 2009xxx for certain years (most probable = 10yrs & 5 yrs)

---

Added on May 17, 2011, 8:04 amHi Double7. Nah - U can get it from Sales Agents or Investment Agents. Banks' "over the counter" pun ada. However, please be "picky" UNLESS U know what U want and have a methodology of investing - mostly are Sales oriented fellows


Transit & fellow investors, 1 last Excel to share - year ended 20071231 for 1, 3, 5. 10years.
Note the CAGR CRAZY returns - would this confirm then when things are far from "average returns", they tend to snap back to average (return to mean)?
Your ideas / feedback would be great - taking into account the other stats ending for 2008, 2009, 2010 & 2011 May
 PM_10__5__3__1_Years_as_at_20071231.zip ( 15.66k ) Number of downloads: 62


This post has been edited by wongmunkeong: May 17 2011, 10:23 AM

For equity fund Thailand, Indonesia and Philippines, which country you guys think have more potential growing in the equity market?

For my opinion, Indonesia is the most potential one, the 2nd most potential should be Thailand, whereby Philippines is last.

Thailand election is coming in July 2011. Let see how it's going on. IMO, Thailand is potential.

given the choice, i'll just stick with local market

Ladies & gentlemen, anyone heard of "Bear Mutual Funds" being run by fund houses in Malaysia? It doesn't matter whether they are foreign or local focus. Google turned up lots of foreign fund houses' bear funds on Malaysia though no results (1st 3 pages) being run by Malaysian Fund Houses.

What are Bear Mutual Funds?
"Bear" mutual funds are a special class of funds that sell short, buy put options, sell futures contracts, use leverage or employ other strategies to increase in value as the underlying assets decrease in value. Conversely, if the underlying assets increase in value, a Bear ETF will decrease in value. Out of a universe of 12,500+ mutual funds and about 2,000 ETFs offered for sale in the US, there ain't many of 'em! (See also Bear ETFs.)

Most Bear mutual funds track the inverse of an index, such as the S&P 500 or the Dow Jones Industrial Average, or a specific industry sector, such as financial or bio-tech stocks.

I heard my friend who working in CIMB securities department, she said most of malaysia mutual funds not involve in short selling like futures and options. But I found some mutual funds in SG & HK, they have applied the futures trading in the funds. this is one of the example shown in attachment.

For this example, you can see that the allocation for futures is 73%, ETF 14% and equity just 11%. This mean that if facing economy crisis, this fund still got a way to escape it by trading with futures but if 90% is equity, most likely this fund will go downtrend locking with the crisis.


Attached File(s)
 Schroder_Alternative_Solutions_Gold_and_Precious_Metals_Fund.pdf ( 645.32k ) Number of downloads: 32