Market Down? Ape yg agent dah buat untuk client?

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megat2

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Assalamualaikum...
lame dah xpost kat dalam ni..hehehe..

alhamdullah dah tinggal final module nak complete kan CFP certification. Hopefully by 2016 Jan dapat title CFP holders. Dapat beberape ilmu yg menarik and baru.

So macam mane nak relate dgn post atas? Mcm aku share kat atas dapat beberape ilme menarik yg dah apply kat investor yg percaye. (dah bgtau ni nak test ilmu pon diorang follow je...hehehehe bagus tul client aku nih..)

Actually kalau sesape ade perasan, actually untuk market Malaysia, signal "sell" dah keluar since May 2015 (lepas budget revision meeting xsilap).

So follow ilmu baru tu, aku jumpe client aku n propose change portfolio to a defensive one (money markey n bond fund). ade yg follow and of course ade yang xcaye n xmo buat tindakan. maintain portfolio aggresive 80-100%.

To date perbezaan "return invetsment" client yg xmo switch ke yg tukar mmg besar. Ade yg sampai minus 8% xtermasuk sales charge. setakat ni client aku yg switch paling teruk -1% and paling baik +2%..

maybe pendapat aku berat sebelah tp aku rase agen atau financial planner mmg penting bile buat investment. sbb kalau nak dapat tips investment ms ekonomi cun mmg senang taip je kat internet..mmg berlambakla keluar...

tp kalau ekonomi xcun, yg keluar is "bang buat dolar cost averaging bang, topup lagi", "bang tambah lagi bang nnt abang dapat unit lagi banyak" dan macam2 lagi..

tp persoalannye..planner anda tau bile nak buat call untuk sell atau switch?
:)
 
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donaldduck

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Assalamualaikum...
lame dah xpost kat dalam ni..hehehe..

alhamdullah dah tinggal final module nak complete kan CFP certification. Hopefully by 2016 Jan dapat title CFP holders. Dapat beberape ilmu yg menarik and baru.

So macam mane nak relate dgn post atas? Mcm aku share kat atas dapat beberape ilme menarik yg dah apply kat investor yg percaye. (dah bgtau ni nak test ilmu pon diorang follow je...hehehehe bagus tul client aku nih..)

Actually kalau sesape ade perasan, actually untuk market Malaysia, signal "sell" dah keluar since May 2015 (lepas budget revision meeting xsilap).

So follow ilmu baru tu, aku jumpe client aku n propose change portfolio to a defensive one (money markey n bond fund). ade yg follow and of course ade yang xcaye n xmo buat tindakan. maintain portfolio aggresive 80-100%.

To date perbezaan "return invetsment" client yg xmo switch ke yg tukar mmg besar. Ade yg sampai minus 8% xtermasuk sales charge. setakat ni client aku yg switch paling teruk -1% and paling baik +2%..

maybe pendapat aku berat sebelah tp aku rase agen atau financial planner mmg penting bile buat investment. sbb kalau nak dapat tips investment ms ekonomi cun mmg senang taip je kat internet..mmg berlambakla keluar...

tp kalau ekonomi xcun, yg keluar is "bang buat dolar cost averaging bang, topup lagi", "bang tambah lagi bang nnt abang dapat unit lagi banyak" dan macam2 lagi..

tp persoalannye..planner anda tau bile nak buat call untuk sell atau switch?
:)
biasa..klu epf..xde masalah sbenarnye.. buy lg equity.. (tp tgk tahun pencen diorg, klu dkat sgt..takut diorg nk guna duit..pn xguna gak invest lg..dlm stahun tu ok lg)... topup je evry 3 month tu..

tp klu yg invest cash, better repurchase..klu dh smp 10% loss.. better kuarkn.. lama lagi nk naik balik ni..try cari investment lain..

Or..plg slamat skang asb atau tabung haji..

atau kalau tau/kenal member main shares, pn ok.. sb still can make money even market kacau skang..

now pn main, still bole dpt 6-8% monthly.. ;)

gud luck bro :)paid:)cgrock
 

mytrade

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biasa..klu epf..xde masalah sbenarnye.. buy lg equity.. (tp tgk tahun pencen diorg, klu dkat sgt..takut diorg nk guna duit..pn xguna gak invest lg..dlm stahun tu ok lg)... topup je evry 3 month tu..

tp klu yg invest cash, better repurchase..klu dh smp 10% loss.. better kuarkn.. lama lagi nk naik balik ni..try cari investment lain..

Or..plg slamat skang asb atau tabung haji..

atau kalau tau/kenal member main shares, pn ok.. sb still can make money even market kacau skang..

now pn main, still bole dpt 6-8% monthly.. ;)

gud luck bro :)paid:)cgrock
tringat masa 2007 masa mula2 masuk stockmarket...market almost altime high...1400 lebih...masa tu UT bukan main pulun cari customer cakap return more than ASB...

August 2007...correction...panik sebentar tp lepas tu recover semula dan buat new high pada DIs2007 klu tksilap...so ramai conpident masuk market even US dah ada signal nk crash...

MArch 2008 lepas election...kabobooommmm...freefall..
UT terus menghilang....

UT ni senang cakap masa market tgh high mmg dorang ghairah sbb boleh tunjuk previous performance past 5 years 2 digit...mmg la tinggi dari ASB,EPF dan TH...mmgla leh tunjuk 2 digit sbb lembu tgh panjat bukit...

apa la aku merepek ni...:D
 

megat2

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salam...
bro donaldduck mmg betul dolar cost averaging mmg tektik yg betul ...cume tektik ni hanye sesuai kalau keadaan KLCI xjatuh 350 point (kurang lebih)..so untuk keadaan dimane KLCI jatuh lebih 20% kene gune approach lain..cut lost..

bro chrom..sy rase bro macam marah je..hehehehe cool2...

bro mytrade faham maksud saye...kalau perlu cut loss kite kn jumpe client n mintak sain untuk switching atau sell(tp kalau agent highly likely xkan propose jual..hehehehe)

kalau ade kengkawan yg ade pengalaman how to manage client portfolio meh la share...pm personal pon xde hal..

aku just share satu client aku yg aku switch ke defensive portfolio on bulan 5..

return seblom switching : 14.22%
return kalau tak buat swithcing : 10.33%
return lepas buat balancing : 19.91%

just sharing...portfolio client ni invest pakai EPF...so invetment horizon restricted to malaysia market.
 

mytrade

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salam...
bro donaldduck mmg betul dolar cost averaging mmg tektik yg betul ...cume tektik ni hanye sesuai kalau keadaan KLCI xjatuh 350 point (kurang lebih)..so untuk keadaan dimane KLCI jatuh lebih 20% kene gune approach lain..cut lost..

bro chrom..sy rase bro macam marah je..hehehehe cool2...

bro mytrade faham maksud saye...kalau perlu cut loss kite kn jumpe client n mintak sain untuk switching atau sell(tp kalau agent highly likely xkan propose jual..hehehehe)

kalau ade kengkawan yg ade pengalaman how to manage client portfolio meh la share...pm personal pon xde hal..

aku just share satu client aku yg aku switch ke defensive portfolio on bulan 5..

return seblom switching : 14.22%
return kalau tak buat swithcing : 10.33%
return lepas buat balancing : 19.91%

just sharing...portfolio client ni invest pakai EPF...so invetment horizon restricted to malaysia market.
skrg aku sedang tunggu nk switch ke ekuiti bro......sebabnya masa 2012 correction, aku switch dari ekuiti ke moneymarket (silap sikit tk pilih bond)...lepas correction aku lupa nk switch back ke ekuiti...so portion dalam money market tu terperap dari 2012 hingga Jun baru ni...byk juga la almost 50% dari investment...

so bila market drop baru ni dari high 1890 ke 1600, aku switch balik amaun dlm moneymarket ke ekuiti (dlm dividend fund)..tp baru switch 25%...baki masih menunggu new low lagi...mgkin area 1450 switch sikit lagi...

semua UT ni dari EPF investment...klu ikut history , saya mula UT dari indeks below 900, pada 2009...boleh kata kaki bukit...tp switch 2012 tu yg buat saya agak tergelincir...tp pendakian masih jauh...dgn fiinish point ialah umur bersara...

now UT kena lebih hardwork sbb EPF pun dah bagi almost 7%,..klu guna kuasa formula compounding...7% dividen annualy, amaun adalah double pada tahun ke 10...UT belum tentu pasti kan??
 

donaldduck

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tringat masa 2007 masa mula2 masuk stockmarket...market almost altime high...1400 lebih...masa tu UT bukan main pulun cari customer cakap return more than ASB...

August 2007...correction...panik sebentar tp lepas tu recover semula dan buat new high pada DIs2007 klu tksilap...so ramai conpident masuk market even US dah ada signal nk crash...

MArch 2008 lepas election...kabobooommmm...freefall..
UT terus menghilang....

UT ni senang cakap masa market tgh high mmg dorang ghairah sbb boleh tunjuk previous performance past 5 years 2 digit...mmg la tinggi dari ASB,EPF dan TH...mmgla leh tunjuk 2 digit sbb lembu tgh panjat bukit...

apa la aku merepek ni...:D
Hahaha.. luahan perasaan ni.. xpe..biasa la tu..

.. tp sy nye style, klu cash..mmg xble nk switch unless client mmg xpkai duit tu..sbb most client yg dh pencen, duit sedepuk letak.. tp diorg pn tgk dh loss lbh 10%, switch pn lama gak nk recover..amik.masa stahun 2 gak..

Tp rsnya pemilihan fund yg penting..lg2 klu non-shariah.. klu shariah fund ni, lmbt sket naiknya..

Klu epf xpe lg.. lama lg nk pencen.. xde masalah sgt rsnya..
 

megat2

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bro donoldduck ..
u agent? under public mutual? dun worry my client almost all invested in syariah compliance punye unit trust. lagi satu y i think my client portfolio xjatuh banyak sbb i combine 2 UTMC (2 fund from 2 different fund house) dalam portfolio. The reason for this was to better protect when the downside occurs.

bro mytrade,
u self manage? yr agent xservice u? u invest kat UTMC mane? Hv you try fund from Kenanga? Eastspring? or CIMB funds? different fund house different strenght.
 

kez

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salam,

nak tanya otai2 kat sini.
semalam PM buat injection 20 Bilion.. ada apa2 effect tak kat market UT & bursa?
 

mytrade

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bro donoldduck ..
u agent? under public mutual? dun worry my client almost all invested in syariah compliance punye unit trust. lagi satu y i think my client portfolio xjatuh banyak sbb i combine 2 UTMC (2 fund from 2 different fund house) dalam portfolio. The reason for this was to better protect when the downside occurs.

bro mytrade,
u self manage? yr agent xservice u? u invest kat UTMC mane? Hv you try fund from Kenanga? Eastspring? or CIMB funds? different fund house different strenght.
dulu mmg instruct agent (1st agent)..2009...tp kdg xde masa jumpa utk sign borang topup....ps tu dia kena banned...
agent kedua takeover akaun...pun saya jarang berhubung dan dia pun ada sekali dua jer call klu nak topup atau suruh buat regurlar invest..saya rasa agetn is more to sale bukan consult...
by 2011 kot, saya register online saya monitor sendiri...ada sekali dua saya pergi branch sendiri utk wthdraw EPF...
2012-2014 saya tk buat wthdraw...sbb EPF revise kelayakan akaun 1 dan tumpu pada stock dan futures....
2015..start aktif utk reinvest semula...jumpa 3rd agent kat bracnh masa nk submit application...so saya bagi jer komisen tu kat dia utk manage...

memandangkan amaun dari EPF tk byk..so saya cuma tumpu pada Public mutual saja...3 fund...PIEF (ekuiti), PIDF (ekuti more to dividend company) dan PIMMF (money market)..

Dgn 40% fund masih kat Moneymarket...
masa 2009, saya cuma study 2 fund manager Public mutual dan Dali Cimb..
tp memandangakn jumpa agent PM dulu maka saya choose PM, tp rasanya DAli Cimb lebih perform tht time..
 
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