Jun 23 2011, 04:04 PM
QUOTE(Bonescythe @ Jun 14 2011, 05:23 PM)
1.) What kind of risk taker are you?
2.) What is your objective by investing? Pay loan? Buy House? Buy car?
If you are for paying loan, maybe you can opt to take up some performing bonds, so that after a period of time, you can pay back one big lump of money. Bond are rather conservative and save, less risk exposed compared to equity linked fund. So your money invested will be exposed to lesser risk, and you will still be able to pay up those loan from the bond fund that you had invested in case when the market turnaround, as the prices are more stagnant, and less volatile.
If you are for buying cars, house.. Maybe you can opt to go for some moderate to aggressive risk's fund. As house and car is for future plan, you would hope to use a tool that can help you to grow your money more so that you can get your dream house or dream car with a habitual saving plan. The reason i suggest/promote equity linked is because buying a new house/car is not so top a priority if compare to loan. Loan is an obligation to repay, therefore, the tools being used should not put you into more trouble, which is capital loss.
3.) What kind of investor are you? short, medium or long term? Here in mutual fund, we are talking at least 3 years investment to be able to see result.
4.) Are you a one time off investor? Or you will invest consistently (Allocating money each month for investment)?
If you are a one time off with big amount of money (More than 10k), probably you would like to diversified into a few other fund to reduce risk. And get updated with the market condition from time to time, so you can know when is the good time to switch, exit, enter again.
For standing instruction (monthly basis), just invest.. probably some switching in between when market is down, or just continue to get more unit to maximize the ringgit cost averaging. Market down, cost per unit cheaper, so can get more unit with the same amount of investment. Market up, unit cost more expensive.
Anyhow, above is just a simple assessment to understand your own, and to select a correct investment vehicle according to your character, and ability to tolerate on the risk.
Remember, if you do not feel comfortable investing, don't invest at all. Invest only if you are comfortable to do so.
2.) What is your objective by investing? Pay loan? Buy House? Buy car?
If you are for paying loan, maybe you can opt to take up some performing bonds, so that after a period of time, you can pay back one big lump of money. Bond are rather conservative and save, less risk exposed compared to equity linked fund. So your money invested will be exposed to lesser risk, and you will still be able to pay up those loan from the bond fund that you had invested in case when the market turnaround, as the prices are more stagnant, and less volatile.
If you are for buying cars, house.. Maybe you can opt to go for some moderate to aggressive risk's fund. As house and car is for future plan, you would hope to use a tool that can help you to grow your money more so that you can get your dream house or dream car with a habitual saving plan. The reason i suggest/promote equity linked is because buying a new house/car is not so top a priority if compare to loan. Loan is an obligation to repay, therefore, the tools being used should not put you into more trouble, which is capital loss.
3.) What kind of investor are you? short, medium or long term? Here in mutual fund, we are talking at least 3 years investment to be able to see result.
4.) Are you a one time off investor? Or you will invest consistently (Allocating money each month for investment)?
If you are a one time off with big amount of money (More than 10k), probably you would like to diversified into a few other fund to reduce risk. And get updated with the market condition from time to time, so you can know when is the good time to switch, exit, enter again.
For standing instruction (monthly basis), just invest.. probably some switching in between when market is down, or just continue to get more unit to maximize the ringgit cost averaging. Market down, cost per unit cheaper, so can get more unit with the same amount of investment. Market up, unit cost more expensive.
Anyhow, above is just a simple assessment to understand your own, and to select a correct investment vehicle according to your character, and ability to tolerate on the risk.
Remember, if you do not feel comfortable investing, don't invest at all. Invest only if you are comfortable to do so.
Added on June 23, 2011, 4:25 pmThks your info-Bonescythe.
Objective-
Iam 29 Year old, planning to saving for my children education for 10-15 years or for my retrenchment.
Kind investor-
I plan start to invest used my EPF every 3 month (Average RM 2K) to invest equity fund (PIOGF & PIEF) and every RM100/month (P Ittikal). Its Ok..????? or any fund suitable for me?
What time frame we can switch our fund? Price? what price we can switch? for example P ittikal lunch price RM0.95 (Since 1997) early Feb 2011 price 0.970 and now price RM0.8892. what price suitable for switch?
other factor we can determine before switch?
Please advice???????
This post has been edited by semerah padi: Jun 23 2011, 04:25 PM
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Click on his name by the left side, U'll see he mostly post in my ex-favorite gaming console, "Playstation" 
Example, if you think china is going to be 'hot' then buy china based fund. If you think china going to go down, the maybe sell or switch (to safer items like bond (just think of REITs) and then buy on the dip. 
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