Not need average down gua. Just do DCA rm100 monthly also can. I wont lump sum this time. Just DCA RM1k monthly.

It is often that we invest first, research later I remembered i dump in every single FD i have last year around June-August. Luckily it was upward trend otherwise mati liao

You buy kenanga through Fundsupersmart or directly through kenanga agent?

At the moment, i invest 70% bonds 30% equity(public smallcap + DCA). Bonds holding are getting bigger as I invest my monthly saving in it. For now, i think KLCI is on high tide. Got room to grow, but you wont see 1700-1800 points any sooner. More rooms to go down i guess .

My personal strategy, basically im more like a conservative investor. Waiting for KLCI to drop until 1200points, then i will adjust my portfolio 40% bond 60% equity. Drop until 800points, 20% bond 80% equity. 200points, 100% equity.

If the market dont fall that much or very volatile, at least bond can generate money. My agent bloody hell one. Up until now he say 80-100% equity. Long term gain confirm gain money. I just nod..nod and nod. But no choice la for him, making living out of this.