85% bond 15% equity. Been in this position since april. Annualized 8-10p.a% since 2010 due to pure luck. Plus last year september until this year january rally help a little. Regret didnt hentam much during klci 13xx.

Funds mostly from PM. The rest amdynamic bond, asw2020. Return this year since january thr figures not bad la. 50% toward my goal lol  but count by percentage, only around 5% too. my public strategic bond lags.

You are assuming that all investors know how to invest to ensure they will be better off in the long term with equities, and/or they have the risk appetite willing to accept up/downs that equities can and will bring.

In reality, that's not the case.

Not everyone has the same risk appetite lo

I'm now 70/30, and I'm 28

Mind to share your asset allocation?

FSM also did a writeup on the fund's "amazing" returns in 2012 and telling investors not to expect it to repeat as its due to writeback of a bondholding previously written down/off.

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. 

Wong Seafood,

A small little suggestion from puny Pinky...

Why not deploy technical analysis/charting/whatever on a fund's benchmark movement as opposed to its NAV movement as entry trigger?

Reason why I have this idea is simple, let's take an example of FBMKLCI dropping 20% but Fund ABC only dropping 5% due to the FM making the correct decision to liquidate investments and raise cash right before the crash. Applying your technique, the 5% drop won't trigger a BUY. But Malaysian equities had dropped 20% yo...Fund ABC with its cash rich position, would be in a great position to grab some stocks at a discount...and unitholders should top up at this juncture!

Discuss

I slept during maths class when the teacher taught algebra, equation or anything that has x y and z in the formula

Akauntan Buruk mari

Cost: RM2,500.00

Current valuation of your units: RM2,469.96

With FSM, the (profit)/loss is calculated by COST less VALUE, thus
= RM2,500.00 - RM2,469.96
= RM30.04

You are right, the moment u make a purchase, the Sales Charge is considered a "loss"

KWSP money is already locked up long term with inflexible withdrawal, for me personally I don't want another huge chunk of wealth locked away, I can control my urges not to take out my UT monies unnecessarily to indulge in worldly pleasures.

If Wong Seafood is there I'd get the FSM staff take a group picture with us. But most likely I'm going alone...shy

PM agent request for FSM chicks photos...how dare u