underwater bond fund

Eastspring Investments UT – Singapore Select Bd Fd A

Q: what’s expRatio?
Q: does the fund show potential to recover despite the exp ratio?

Q: shall we redeem at 3% loss and earn deposit int of 3.5% pa?

I used to say “time is on my side”.  Now I think every year this fund is losing  against the benchmark (tBill or MMF).

  • the Allianz funds (suppose 50k) I liquidated at a small loss …  has been acruing around 3% every year in recent years.

==== My bond mufu
— Fullerton .. Asian Bonds .. (expR=1.19) FSM tx history shows net $25k invested

  • snapshot $14226 FSM -> Poems 8Feb2022 (qty=1516.05)
  • snapshot cost=15k @202112 in my account P0014225
  • +10k 22Jun2022 bought in P0291384