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 Fund Investment Corner v2, A to Z about Fund

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SUSPink Spider
post Feb 12 2012, 01:37 PM

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QUOTE(koo66999 @ Feb 12 2012, 07:55 AM)
Not bad, look like better then Public Mutual one.

I currently invest in Public Mutual Select Bond Fund, last year return is only 5 to 6%.
*
And it surprises me that AmDynamic Bond consistently managed to do better than its supposedly lower risk profiled sister fund, AmBond, scoring better at "Preservation" on Lipper rating sweat.gif
Angel On Fire
post Feb 12 2012, 11:56 PM

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QUOTE(kparam77 @ Feb 10 2012, 08:29 PM)
the most important is the prospectus, not just the brochures.

its better focus on capital growth rather than divdends for epf scheme. u r not going to spend  the dividedns anyway. unless for cash and u want to use the dividedns.
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QUOTE(wongmunkeong @ Feb 10 2012, 08:30 PM)
U may not like dividends yearly by an equity fund.
Reason: When mutual funds distributes dividends, its NAV drops exactly the amount distributed AND to add insult to injury, the distributed $ gets taxed sometimes. Thus, waffor? Sandiwara only
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Noted and thanks, guys. I was under the impression that dividends from funds is exactly the same as dividends from stocks/Reits. My bad.


Added on February 13, 2012, 12:03 am
QUOTE(Pink Spider @ Feb 10 2012, 09:17 PM)
Overseas exposure...take a look at HwangDBS Select Income Fund, my favourite fund for regular top-up thumbup.gif
70% in fixed income, up to 30% in equities
Currently split between MYR assets and foreign assets is almost 50/50
but macam not EPF-approved...as far as I'm aware, EPF only approved funds that invest MAJORITY in MYR assets hmm.gif
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Nope, HwangDBS Select Income Fund not EPF-approved. If I'm not mistaken, EPF-approved funds may not have more than 30% of their NAV in foreign investments.

I've found a few funds that interest me. Will post about them and request feedback at a later date smile.gif

This post has been edited by Angel On Fire: Feb 13 2012, 12:03 AM
mm310
post Feb 13 2012, 12:08 AM

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Any fund that is investing in the currency?

I'm new to mutual funds. TQ.
SUSPink Spider
post Feb 13 2012, 12:16 AM

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QUOTE(Angel On Fire @ Feb 12 2012, 11:56 PM)

Added on February 13, 2012, 12:03 am

Nope, HwangDBS Select Income Fund not EPF-approved.  If I'm not mistaken, EPF-approved funds may not have more than 30% of their NAV in foreign investments.

I've found a few funds that interest me. Will post about them and request feedback at a later date  smile.gif
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No wonder OSK-UOB KidSave Trust capped their foreign investments at 30% tongue.gif

In that case, KidSave Trust is worth looking at, too icon_rolleyes.gif
drake88
post Feb 13 2012, 09:53 AM

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Good morning all sifus ... im looking for a 1 year or 6 month fund investment . any recommandation?

my investment money preferably liquid incase of emergency.

thank you biggrin.gif
gark
post Feb 13 2012, 10:00 AM

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QUOTE(Pink Spider @ Feb 12 2012, 01:37 PM)
And it surprises me that AmDynamic Bond consistently managed to do better than its supposedly lower risk profiled sister fund, AmBond, scoring better at "Preservation" on Lipper rating sweat.gif
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Preservation is not equal to lower risk... for risk factor you have to measure the volatility. Ambond is 1.9 while AmDynamic is higher at 2.2. laugh.gif
SUSPink Spider
post Feb 13 2012, 10:03 AM

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QUOTE(gark @ Feb 13 2012, 10:00 AM)
Preservation is not equal to lower risk... for risk factor you have to measure the volatility. Ambond is 1.9 while AmDynamic is higher at 2.2.  laugh.gif
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if u look at AmBond's performance chart, there's 2 significant "dips", probably those impaired its "Preservation" rating hmm.gif


Added on February 13, 2012, 10:06 am
QUOTE(drake88 @ Feb 13 2012, 09:53 AM)
Good morning all sifus ... im looking for a 1 year or 6 month fund investment . any recommandation?

my investment money preferably liquid incase of emergency.

thank you biggrin.gif
*
AmIncome Plus, investing in short-dated high quality bonds. It consistently beaten 12-months FD returns over past 5 years. icon_rolleyes.gif

This post has been edited by Pink Spider: Feb 13 2012, 10:06 AM
Audiophilic
post Feb 13 2012, 12:09 PM

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im new to investment, any sifu can tell me where and how to start ?

This post has been edited by Audiophilic: Feb 13 2012, 12:09 PM
SUSDavid83
post Feb 13 2012, 04:11 PM

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New Islamic bond fund from AmInvestment:

http://www.theedgemalaysia.com/business-ne...preciation.html
SUSPink Spider
post Feb 14 2012, 01:14 PM

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Markets have risen so much in recent weeks...are u guys still buying equity funds? unsure.gif
wongmunkeong
post Feb 14 2012, 01:18 PM

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QUOTE(Pink Spider @ Feb 14 2012, 01:14 PM)
Markets have risen so much in recent weeks...are u guys still buying equity funds? unsure.gif
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Bought (past tense) and looking to be a bit more overweight than normally planned Asset Allocation tongue.gif

Just to share:
1. Bank of England pumps another £50bn into UK economy
http://www.guardian.co.uk/business/2012/fe...titative-easing

2. Bank of Japan surprises with new easing; yen falls
http://www.marketwatch.com/story/bank-of-j...alls-2012-02-13

3. ?? other EU nations go on the QE bandwagon?
Dunno when heheh
SUSPink Spider
post Feb 14 2012, 01:23 PM

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QUOTE(wongmunkeong @ Feb 14 2012, 01:18 PM)
Bought (past tense) and looking to be a bit more overweight than normally planned Asset Allocation tongue.gif

Just to share:
1. Bank of England pumps another £50bn into UK economy
http://www.guardian.co.uk/business/2012/fe...titative-easing

2. Bank of Japan surprises with new easing; yen falls
http://www.marketwatch.com/story/bank-of-j...alls-2012-02-13

3. ?? other EU nations go on the QE bandwagon?
Dunno when heheh
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Ok hmm.gif

Which market?

Planning to add Emerging Markets to my portfolio, but only a small %, slowly accumulate by Regular Savings Plan over next few months hmm.gif
wongmunkeong
post Feb 14 2012, 03:53 PM

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QUOTE(Pink Spider @ Feb 14 2012, 01:23 PM)
Ok hmm.gif

Which market?

Planning to add Emerging Markets to my portfolio, but only a small %, slowly accumulate by Regular Savings Plan over next few months hmm.gif
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Eh? no specific market other than KLSE tongue.gif. I dont target a specific foreign country, just like U with yr mutual funds approach.

To be more specific PIX done last Dec + another smaller portion last week.
PFEPRF done early Jan 2012 + waiting for another smaller portion IF things go on up later this month.

Pls note though, that these lump sums are in addition to my quarterly value + dollar averaging.
My double-barrel shotgun = no fear/greed + value/opportunity brows.gif. I've no sniping armor piercing rifle yet, thus, gotta take a shotgun approach notworthy.gif
SUSPink Spider
post Feb 14 2012, 04:00 PM

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QUOTE(wongmunkeong @ Feb 14 2012, 03:53 PM)
Eh? no specific market other than KLSE tongue.gif. I dont target a specific foreign country, just like U with yr mutual funds approach.

To be more specific PIX done last Dec + another smaller portion last week.
PFEPRF done early Jan 2012 + waiting for another smaller portion IF things go on up later this month.

Pls note though, that these lump sums are in addition to my quarterly value + dollar averaging.
My double-barrel shotgun = no fear/greed + value/opportunity brows.gif. I've no sniping armor piercing rifle yet, thus, gotta take a shotgun approach notworthy.gif
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KLSE? I've been suspending my DCA for my malaysian balanced funds pending General Elections

furthermore, KLSE seems to be range-bound within a narrow range lately...seems like investors are hesitant with malaysian stocks hmm.gif

This post has been edited by Pink Spider: Feb 14 2012, 04:03 PM
kucingfight
post Feb 14 2012, 04:09 PM

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I myself, holding mainly on bonds. waiting for opportunities to shoot in laugh.gif
SUSPink Spider
post Feb 14 2012, 05:13 PM

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QUOTE(kucingfight @ Feb 14 2012, 04:09 PM)
I myself, holding mainly on bonds. waiting for opportunities to shoot in  laugh.gif
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if the markets keeps on climbing higher and higher with no noticeable pullbacks for u to shoot in, forever "007, Bond, James Bond"? tongue.gif
wongmunkeong
post Feb 14 2012, 06:05 PM

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QUOTE(Pink Spider @ Feb 14 2012, 05:13 PM)
if the markets keeps on climbing higher and higher with no noticeable pullbacks for u to shoot in, forever "007, Bond, James Bond"? tongue.gif
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Well i think KucingFight has some triggers, like if Fixed Income held % is WAAAY out of whack, he'll spend some of it on Equities or Gold/etc gua.


Added on February 14, 2012, 6:10 pm
QUOTE(Audiophilic @ Feb 13 2012, 12:09 PM)
im new to investment, any sifu can tell me where and how to start ?
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I'm no seafood though i'd recommend U try this eyeballing this:
http://forum.lowyat.net/topic/690951/+1850

Then google items like
Asset Allocation, Asset Classes, Asset Sub-Classes, Dollar Cost Averaging, Value Cost Averaging, TwinVest, Value and Growth Stocks.
Phew.. that should take care of the basics

Lots of things out there for learning - sigh.. wished Google and Internet was so easily available when i was younger & dumber.. cry.gif

This post has been edited by wongmunkeong: Feb 14 2012, 06:10 PM
SUSPink Spider
post Feb 14 2012, 06:11 PM

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QUOTE(wongmunkeong @ Feb 14 2012, 06:05 PM)
Well i think KucingFight has some triggers, like if Fixed Income held % is WAAAY out of whack, he'll spend some of it on Equities or Gold/etc gua.
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KLSE P/E and Divvy Yield is at mult-year average...which means limited upside hmm.gif

but Asia Ex-Japan is way below the midpoint icon_idea.gif
wongmunkeong
post Feb 14 2012, 06:29 PM

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QUOTE(Pink Spider @ Feb 14 2012, 06:11 PM)
KLSE P/E and Divvy Yield is at mult-year average...which means limited upside hmm.gif

but Asia Ex-Japan is way below the midpoint icon_idea.gif
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True - based on Value buying. However, what if the market decides to go "like that" threading bit by bit up for the next 3 year?
Heheh - that means we'd have lost 3 years CAGR by not participating right?

Mind U, i'm not saying "dont follow value investing", k?
I'm just saying that using value investing is just one method, there are other methods as well.
IF U are like me, a worker ant earning salary and saving a chunk to invest, sooner or later, U'd be totally lopsided with Fixed Income (cash, bonds, FD, EPF) holdings as a % of total net worth and total investments held IF we kept waiting and holding on to ammo coz no obvious value/lelong appeared tongue.gif

Just throwing some ideas around ar, no right or wrong notworthy.gif
SUSPink Spider
post Feb 14 2012, 06:34 PM

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QUOTE(wongmunkeong @ Feb 14 2012, 06:29 PM)
True - based on Value buying. However, what if the market decides to go "like that" threading bit by bit up for the next 3 year?
Heheh - that means we'd have lost 3 years CAGR by not participating right?

Mind U, i'm not saying "dont follow value investing", k?
I'm just saying that using value investing is just one method, there are other methods as well.
IF U are like me, a worker ant earning salary and saving a chunk to invest, sooner or later, U'd be totally lopsided with Fixed Income (cash, bonds, FD, EPF) holdings as a % of total net worth and total investments held IF we kept waiting and holding on to ammo coz no obvious value/lelong appeared tongue.gif

Just throwing some ideas around ar, no right or wrong  notworthy.gif
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Well said Wong Seafood notworthy.gif

Reason - The Market is not rational MOST of the time tongue.gif

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