This is just a technical rebound during a bear game..
Reverse gear is on already now
Riding down again Let's welcome 1399 soon

hmm.. i am planning to get the latest launch fund, PSEASF. but my agent fren ask me to take a more stable such as the small cap and the regular saving.. can gimme some suggestions?

You may red the comment here by David.

9 points up = how many % ar?

Spot on bro.
Visualization (PG18 for graphical goriness):
Bear food / victim is running like crazy, just managed to get slightly out of reach of the bear's claw for now,
AFTER being clawed and bitten 11%+ of body parts (ie. missing a hand and arm?)

Can the bear food / victim continue out running the bear
OR
Bear's claw / teeth going to get the fler again for another toe/finger/arm?


Closing 8.4 points up, but in % = 0.6% of KLCI nya

This post has been edited by wongmunkeong: Sep 21 2011, 08:15 PM

when u invest, u should have set a target profit to exit eg. 10 or 20% profit before sell it back. Lesson I learnt is that don't be too greedy and set your exit target clear. i keep my fund for few years where i can actually make profit out of it if I sell few months earlier, but now

If sell it (REPURCHASE) to Public Bank Account, got CHARGES ?

NO

Right. I think that is why i am lost. I invested blindly and kept on pumping in money every month. Right now I want to set it right, any advice?

sort only post by wongmunkeong and Bonescythe is a good start

When lost or in hole, stop and get your bearings first.
May i suggest back to basics?
Things like $ mgt, risk mgt, Asset Allocation, Target/Goal setting for investments (time horizon, how much per month/qtr/year to allocate to what & how much expecting returns on average yearly, Entries & Exits (how to execute all the above).

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Added on September 21, 2011, 9:17 pmKoinibler - hehe, dont lar "put me on table". Bonescythe lar, he's the sifu in equities and funds. I'm a "newbie" comparatively (with vivid imagination & visions, especially about bears & Jason from Fri13)

This post has been edited by wongmunkeong: Sep 21 2011, 09:17 PM

this is my investment strategy for my Public funds:

When the market is up: If the value of my fund is 15% > my investment cost, take profit and switch to bond funds. Will take profit every 15% on the way up.

When the market is down: Will invest more if the NAV is 8 - 10% down from the avg purchase price. Will top up every 8 - 10% on the way down.

Side way market: Just let the fund on auto cruise.

Is this strategy workable? Been using this method since '07.

I don't mind going back to basics. Does that mean I should sell all my units and only invest after studying?

which fund and how many yrs u invest this way, DDI?

BlueSilver - i'm sorry i dont have a black/white solution for U. I'm not U and in your specific situation.

However, having said that, U may want to switch your equity funds (or at least 50%) back to bond funds WHILE U learn/plan ahead.
IMHO being in equities when one doesnt really know what's happening is akin to driving a car (people usually take classes to handle the power)
VS being in bonds is like running (more dangerous than walking as U are going faster and need to be more alert)
VS being in FD is like walking (er... really basic basics)

Just to share what i did when i found myself "lost" donkey years ago (things relating to mutual funds only, stocks/REITs are another story heheh):
a. I SWITCHED ALL my funds back to Bond Funds
b. While i went back back to basics to learning, testing, tracking
+ $ mgt & risk mgt: these 2 are the biggest impact that shaped my approach now). BTW, U cant manage what U dont track & dont have plans/goals for

+ Asset Allocation: some major stats/research points to Asset Allocation being the biggest impact to a total portfolio, not stock picking or funds picking. Looks to me holistic planning, tracking & managing is the way to go. 2nd biggest impact to my approach now.

+Methodologies / Entry & Exit rules

c. Built my goals/plans
+knowing how much i want/need for my goals
+Asset Allocation + selection of vehicles based on average expected returns pa to reach my goals
+Methodologies / Entry & Exit plans to execute the above
Value investing & programmatic investing
Based on the methodologies i've put $ in to test (only about 2 to 3 years, not 10 yar ) + simulated via Excel's random numbers for pricing, these 2 fits my personality (chicken + simpleton).
Value - coz i love bargains and there's less probability for much % drop
Programmatic - coz i needed something else than Value, which has a human-trigger, thus emotions like fear & greed can cloud judgement

Your mileage may vary

BTW, dont worry about "missing the boat"
Prices/NAV go up slow but falls fast (think gravity)
Think 1998 sloooooow climb up after ASIAN Currency Crisis
then buta kena whacked by US DOT COM bust sharp down 2001
then slow climb up to 2006/2007
then sharp whack down by Credit Crunch Crisis & US Property Bubble 2008
then slow climb back to end 2010
then sharp whack down mid 2011
phew.. just trying to make a point going down = fast, going up = slow

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Added on September 22, 2011, 8:05 amJutamind, looks good - holistic enough as long as U couple that approach to a fund house that has "good enough" equity and bond funds

Just a thought:
IF the market trends up for 8 years SLOWLY after a crash (eg. end 1998 to 2006) ,
the NAV will not go down,
thus U dont participate/buy in (yr current methodology averages down only when 8%-10% down from your TOTAL AVERAGE PURCHASED PRICE)
U may miss a MAJOR part of gains and time lost.

No righter-right or wronger wrong ar. Best methodologies are those that fits one's personality, attitude and time/effort to be spent on donkey things like investing

This post has been edited by wongmunkeong: Sep 22 2011, 08:12 AM

Wong

i have improved the Edu/Retirement spreadsheet with

a) 2nd child education
b) yearly savings

Gold sifu Phophetjul, share share lar yr modded worksheet

How you attach ar?

Zip the Excel first
Then under the posting , there's a File Attachment area.
Click on Browse, select zip file
Then click on Add This File
All above Add Reply button

Lets see

Try and see whether its ok........


Attached File(s)
 Children_s_Education___Self_Retirement888.zip ( 8.53k ) Number of downloads: 58

how much money shud put in when do DDI? someone told me tat DDI rm100 hardly see the result but at least RM300.