I hv another question regarding account opening. Now, I am waiting for my account to be approved. After that, I am going to open a beneficiary account, I know i need to click " ADDITIONAL" in order all my account to be link. But does the additional beneficiary account need to go thru the verification and approval process again? The FAQ area do no highlight this item.

Haha.. Then should go for it since is your choice as well..

Yeap.. Need to go through again. Fill in the form, your beneficiary IC scan... Same as opening your first personal account.

I have 2 beneficiary account...

My 2nd account, they didn't call me to verify anything...

Today would be a red red day (gong xi fa cai? ) for sure, who's topping up on equity?

If Hang Seng and STI drops -2%, I'm in

Though this may sound cliche...

...build a portfolio, don't pick funds

Just a new bie la, don't wanna share since risk is too great. Need guidance from you pros.

can get historical nav up to 10 years from Bloomberg, but dunno accurate or not. Just type the fund mame at the "QUOTE" column at top right of the screen

Inter switching? Then u need to look for funds within the same fund house.

A bit difficult...cos the "star" funds are all from different fund houses

Take your pick, do your own mix and match

Global bond
Hwang Select Bond
OSK-UOB Emerging Markets Bond
RHB Asian Total Return

Pure MYR bond
OSK-UOB Income Fund (up to 30% in Asian bonds)
AmBond
Kenanga Bond

Global equity
Pacific Global Stars
Pacific Dana Dividend (Shariah-compliant, heavy Malaysian focus)
Alliance Global Equities
OSK-UOB Global Equity Yield
RHB Global Fortune

Malaysian equity
Kenanga Growth
Eastspring Investments Equity Income
Hwang Select Opportunity (up to 30% globally, Asian focus)
Hwang Select Dividend (up to 30% globally, Asian focus)

I'd say leave the market timing to the Fund Manager, they'll kaotim the entry/exit timing for u. HwangIM is managing the downside risks of this fund fairly well.

I'm no finance guy too Kaka
Just to share my views - please note, NOT SELLING OR BRAINWASHING, just sharing to see if any holes in my logic yar (pls do criticize with optional solutions - kamsiah  ):


RHB GS BRIC (my own Excel + logic cooking yar, please dont eat if not to your taste )
[attachmentid=3267841]
a. NAV current = historical NAVs (since 07/01/2010) 25% percentile or lower (CELL B1 Excel formula PERCENTILE() ) AND near (3 year's moving average LESS standard deviation since 07/01/2010, see column P)

b. See snaps of Brazil, Russia, China from ( http://markets.on.nytimes.com/research/mar...orldmarkets.asp )
[attachmentid=3267856][attachmentid=3267858][attachmentid=3267859]

c. The driving factors of these 4 economies are different enough AND continentally far enough that, barring a worldwide hit like 2008, it should chug along without any massive swings.
Commodities via Manulife thinggy... (again, my own Excel cooking yar, pls dont eat if not to your taste)
[attachmentid=3267870]
d. NAV current = historical NAVs (since 07/01/2010) lower than 25% percentile (CELL B1 Excel formula PERCENTILE() ) AND lower than (3 year's moving average LESS standard deviation since 07/01/2010, see column P)

PS: Pls ignore all the other columns in the spreadsheet except:
a. column A (Date)
b. column B (NAV of each Date)
c. cell B1 - the current 25% Percentile of historical NAVs till the current NAV
d. column P (3 years' moving average of NAV +/- standard deviation, where green = NAV < (3yrs MA - Std Deviation) )
The rest of the columns are for calculating my moving averages, Trends (short-mid & mid-long) + other checks to see if any "jumps off rail". Too lalaland for general usage discussion .
Note - i'm only showing the last few days' NAV since easily gotten from FSM's site as i promised someone not to drop the entire NAV data out yar.
Again - these Excel are my own cooking, for my own usage.
Sharing to see if fellow forumers can shoot holes in them and help me learn & improve.

eh BirdMan bro, i ain't no sifu lar, still have not millions to swim in (like Uncle Scrooge McDuck )

1. what is the meaning of 25 percentile data to u? what decision can be make based on this data.
Just a simpleton statistical trigger for me to "vulture" a bit more at it.
The "25th percentile NAV" means a point in the historic NAVs, at the 25th percentile (ie. way below the 50th percentile, AKA Median or true average).
I'd "vulture" more if it was below 5th percentile (another trigger)
General idea: Buy more NAV is run-over by train/road kill AND it is something i'm looking for to fill up a position in my Asset Allocation / team of players.

NOTE:
Pls don't buta trigger "just like that" yar, i've filtered the fund/stock based on my own needs first, THEN setup the triggers of 25th & 5th percentile for "vulture-ing" on (extra from my quarterly DCA+VCA).
2. what is the use for "3 years MA - Std Deviation"? I am creating it with "1 year EMA - std deviation" since no enough data.
Another simpleton stats to trigger me that a fund has fallen hard to be "vultured on"
i took 3 years as a historic point in time and its standard deviation coz i wanted a mid-term trigger (as opposed to the above which is since inception)

Note:
Std Deviation = how far left or right of the average (ie. outliers).
Thus, if say something has an Average returns of 10%pa & std deviation of 6%, we can generally say that generally, the returns ranges from 4% (10%-6%) to 16% (10% avg + 6%)

er.. statistical gurus & mathematical geniuses, please correct if i'm in lalaland yar. 

My company also changed hands 2-3 times in the past few years, yet no changes in management and business. HwangIM is doing well, if u are the acquirer, would u wanna mess with its operations that are doing well?

Revisiting The Investment Case For Small Caps

1. Smaller capitalisation companies often escape the attention of investors, even though there are various benefits to be had by complementing larger cap equity exposure with smaller cap funds.
2. It is more plausible for a smaller company which has a negligible market share to grow its revenues by double digits each year, which could lead to a doubling or tripling of profits over a shorter period of time.
3. Smaller cap stocks can offer substantial scope for mispricing, since they generally garner less interest, particularly so from the likes of stock analysts
4. For investors in smaller companies, the valuation expansion (another component of stock market returns) can sometimes come a lot more quickly when a company is being acquired.
5. While the bulk of a portfolio should still consist of funds invested in larger-cap companies, investors may wish to consider adding some smaller-capitalisation exposure in the supplementary/satellite portion of their portfolios

URL: http://www.fundsupermart.com.my/main/resea...?articleNo=3159

guys I have read and re-read the discussion but i still am not sure what to make of it so I'm just gona ask.

In the View Holdings page, lets say I have Kenanga Growth, the cost is 2500, current value 2469.96. Which means a loss of -30.04 right?
With the new member 1% charge, 2500/1.01 = 2475.25,
so have i made a 30.04 loss or a (2475.25-2469.96) 21.71 loss?

So my question is, does the 2469.96 already reflect the 1% sales charge? and does that mean that everytime you buy a fund you the View Holdings page will show a 1% loss?