propertyWTF.com.my

A green horn's attempt at Excel tools - please feedback for improvements yar

Basic instructions: Please enter / play variables in the YELLOW cells.

Note:
The spreadsheets are not protected - U can further enhance/evolve or correct my dumb dumb assumptions as required.
OR feedback to me and i'll correct them OR find a way to add the function

wongmunkeong wrote:A green horn's attempt at Excel tools - please feedback for improvements yar

Basic instructions: Please enter / play variables in the YELLOW cells.

Note:
The spreadsheets are not protected - U can further enhance/evolve or correct my dumb dumb assumptions as required.
OR feedback to me and i'll correct them OR find a way to add the function

hv seen a few versions of this before from the GV guys, and mortgage broking house.. they developed or import over from the A*A team when J*mes decided to short-circuit their mortgage division to drive insurance..

these tools can be interpreted and tweaked to the hands of different presenters.. afaik, 1 of the variant is designed initially to sell fixed-rate insurance mortgage, and incorporating unit trusts in between.. quite a convincing model, cash-flow projections etc. within certain parameters..

i think your version is much better, good sharing Wong..

EMYGHT wrote:hv seen a few versions of this before from the GV guys, and mortgage broking house.. they developed or import over from the A*A team when J*mes decided to short-circuit their mortgage division to drive insurance..

these tools can be interpreted and tweaked to the hands of different presenters.. afaik, 1 of the variant is designed initially to sell fixed-rate insurance mortgage, and incorporating unit trusts in between.. quite a convincing model, cash-flow projections etc. within certain parameters..

i think your version is much better, good sharing Wong..

Ah - U know GV and Brian Goh? He's a nice chap - known him since AIA day (after his OSK stint).

Heheh - you're just being nice.
Any feedback on how these worksheets can be improved?
BTW, i'm not with GV or LV I'm just a working stiff trying to make things work easier and faster

wongmunkeong wrote:

EMYGHT wrote:hv seen a few versions of this before from the GV guys, and mortgage broking house.. they developed or import over from the A*A team when J*mes decided to short-circuit their mortgage division to drive insurance..

these tools can be interpreted and tweaked to the hands of different presenters.. afaik, 1 of the variant is designed initially to sell fixed-rate insurance mortgage, and incorporating unit trusts in between.. quite a convincing model, cash-flow projections etc. within certain parameters..

i think your version is much better, good sharing Wong..

Ah - U know GV and Brian Goh? He's a nice chap - known him since AIA day (after his OSK stint).

Heheh - you're just being nice.
Any feedback on how these worksheets can be improved?

kenot remember, lost touch liao wif the market..

i used to advocate a few of these models even before GV's time.. think when the insurers saw that most of the mortgage-driven policy holders are breaking-away from the usual > 90% chinese domination, they begin to realize the significance of it.. what i'm trying to say is, your spreadsheet is much better, at least it looks more like a Financial Planning tool with Property Investment to the fore, rather than emphasizing on the mortgage and other leveraging vehicles.., losing focus in the prop evaluation.. a better version, i really mean it.. any changes wud just be a personal preference than general improvement..

hey bro mun keong!

1. Nice P&L and Balance Sheet! Er....are those real figures or dummy data?

2. will post up my spreadsheets later on when got time later too. Noticed that u may have more % allocated to mutual funds than directly into stocks....is that intentional? And for prudence shouldn't discount our EPF from our net worth statement?

3. anyway, like the way that u also have a comparative / benchmark column between your paper assets vs. your prop's. at least u r able to put things in perspective.

4. Your mortgage spreadsheet is pretty good. Mine is soooooo manual....have to use goal seek function just to get my installment....dem ancient my version. So, I'll rip off a thing or two from u here! cheers!

Phoenix_142 wrote:hey bro mun keong!

1. Nice P&L and Balance Sheet! Er....are those real figures or dummy data?

2. will post up my spreadsheets later on when got time later too. Noticed that u may have more % allocated to mutual funds than directly into stocks....is that intentional? And for prudence shouldn't discount our EPF from our net worth statement?

3. anyway, like the way that u also have a comparative / benchmark column between your paper assets vs. your prop's. at least u r able to put things in perspective.

4. Your mortgage spreadsheet is pretty good. Mine is soooooo manual....have to use goal seek function just to get my installment....dem ancient my version. So, I'll rip off a thing or two from u here! cheers!

bro Phoenix. Nah - crazy meh real numbers, especially net worth. "Someone" may use those to press more $ from me The only real numbers there are the 2009 Uni costs

Er.. thus, the % allocated aint real. Anyways, about 50% of my net worth are tied to EPF (either EPF itself or EPF's mutual funds). Working hard to get my cash-paid assets up - thus, living on only about 40%+ of work income (tough but do-able - i just need to stop getting crazy over gadgets, games and "girls", the 3Gs no gee-pars pls )

I didnt discount EPF from my general net worth statement as i can tap it for properties (A/C2) and mutual fund/direct stock investments (A/C1).
However, i know that i cant really ACCESS and USE EPF until i'm another 15 to 16 years older
Thus if U look at the "Asset %" worksheet, U'll see a section where i CUT OUT ALL EPF related stuff and just have the cash related stuff.
By doing so, i get my full real net worth AND my cash-accessible net worth views.

Rip, learn, "re-engineer" and share share I just hope it's useful enough as basic tools for financial freedom planning and extrapolation.

wongmunkeong wrote:

Phoenix_142 wrote:hey bro mun keong!

1. Nice P&L and Balance Sheet! Er....are those real figures or dummy data?

2. will post up my spreadsheets later on when got time later too. Noticed that u may have more % allocated to mutual funds than directly into stocks....is that intentional? And for prudence shouldn't discount our EPF from our net worth statement?

3. anyway, like the way that u also have a comparative / benchmark column between your paper assets vs. your prop's. at least u r able to put things in perspective.

4. Your mortgage spreadsheet is pretty good. Mine is soooooo manual....have to use goal seek function just to get my installment....dem ancient my version. So, I'll rip off a thing or two from u here! cheers!

bro Phoenix. Nah - crazy meh real numbers, especially net worth. "Someone" may use those to press more $ from me The only real numbers there are the 2009 Uni costs

Er.. thus, the % allocated aint real. Anyways, about 50% of my net worth are tied to EPF (either EPF itself or EPF's mutual funds). Working hard to get my cash-paid assets up - thus, living on only about 40%+ of work income (tough but do-able - i just need to stop getting crazy over gadgets, games and "girls", the 3Gs no gee-pars pls )

I didnt discount EPF from my general net worth statement as i can tap it for properties (A/C2) and mutual fund/direct stock investments (A/C1).However, i know that i cant really ACCESS and USE EPF until i'm another 15 to 16 years older
Thus if U look at the "Asset %" worksheet, U'll see a section where i CUT OUT ALL EPF related stuff and just have the cash related stuff.
By doing so, i get my full real net worth AND my cash-accessible net worth views.

Rip, learn, "re-engineer" and share share I just hope it's useful enough as basic tools for financial freedom planning and extrapolation.

Mr. Wong,

With regard to the underlined (a/c 2 for direct stock investment) can you kindly elaborate more? Are you currently practising it? From my limited knowledge we can only trade via 2 selected traders and there is some additional fees (annual mgmt fees) involve besides the brokerage. With the mgmt fees would it not dilute your capital gains since this is meant to be medium to long term holdings.

I also notice that your allocation ratio: 4X% to equities and 4X% to properties - this should be an interesting topic for debate as I think most taikor currently will have a ratio of 8X% properties 1X% equities due to OPM concept (leveraging)

rakyat wrote:Mr. Wong,

With regard to the underlined (a/c 2 for direct stock investment) can you kindly elaborate more? Are you currently practising it? From my limited knowledge we can only trade via 2 selected traders and there is some additional fees (annual mgmt fees) involve besides the brokerage. With the mgmt fees would it not dilute your capital gains since this is meant to be medium to long term holdings.

I also notice that your allocation ratio: 4X% to equities and 4X% to properties - this should be an interesting topic for debate as I think most taikor currently will have a ratio of 8X% properties 1X% equities due to OPM concept (leveraging)

Rakyat. Do call me munkeong or MK, Mr. Wong's my father
Er.. the underlined was "A/C2 for properties and education" and "A/C1 for mutual funds/direct stocks"
Thus, not A/C2 for direct stock investments. My bad if the writing wasnt clear.

Yes, you're right that to use A/C1 to direct stock investments:
a. One moves lump sum of EPF $ to a fund house like Philip Capital (POEM). Thus, there are service charges & annual mgt fees involved
b. Select self-directed investments
c. Get on their online platform and do your thing
Thus, one needs to be already a performing investor / trader to leverage on this.
However, i wont advise ppl to do this if they aren't even making 8%pa after a downturn.

Nope - i aint doing this with my EPF coz i can't afford the lump sum ($30K) to take out coz i've been bleeding my A/C1 for umpteenth years for foreign (those days allowable) and local focused funds

Er.. if one can make say 20%pa to 40%pa for 2 to 3 years selectively in the market after a bear attack, i think it's worthwhile even after minus-ing all the mgt fees & front load + transaction costs.
FYI - the REITs i bought in 1st half of 2009 is still making 20%+pa even in current down market
+ PBank (still holding) & LPI (sold last month) was good (about 27%pa & 42%pa)
All %pa based on net total returns (price diff + dividends) & pa compounded (CAGR)

BTW, sorry to burst the bubbles of nay-sayers but everything i bought in 1st half of 2009, didnt make any losses
However, one's mileage may vary - the way i approach stocks is very cautious (filter for good companies with good & consistent track records statistically, wait for value, then buy and zzz until trailing stop loss is hit). Lucky or self-made luck?