er.. just to clarify before responding:
U mean U want to buy the Group Life Term Insurance called "Mutual Life Plus 2", not funds right?
http://www.publicmutual.com.my/LinkClick.a...oXw%3d&tabid=69

and wanna know qualifying terms (ie. how much one needs to be invested VS how much of the insurance one can buy?)

bro.. thought you are pm agent?

so how to get that "perfect" balanced portfolia ? 1/2 equity ? 1/2 bond ?

1/3 equity 1/3 bond 1/3 balance ?

any advise on how to balance out the portfolia ?

but my sister buy the fund no earning 1 = =

Just bought myself PISSF. any comment on this fund?

fixed income refer to those bonds? other than bonds what else is considered fixed income? thks in advance.

Hi all sifu, I would like to diversify outside MY to hedge against devaluation of ringgit. Also, since v pay money to fund manager,  would like a fund which fund mgr could move around the funds to different sectors / regional / bonds / as appropriate.

Am thinking of Tactical Allocation Fund, kindly let me hv ur comments or other recommendations. ... thx in advance.

Cut Your Winners And Let The Losses Run.

That’s right, it's not a typo, and it’s the reverse of the usual “cut the losses and let the profits run”.

Unit trusts are long term investments while buying shares directly can be both long term and short. Another difference is that investments into unit trust funds are usually regular savings and savings for retirement purpose. So shouldn’t that the usual phrase within the stock market circle be reversed for long term mutual funds?

Think about it. It is more appropriate to let the losses run in a down trend, especially in the accumulation stage where you will be averaging down the unit price each time you buy.

Secondly, the losses should not be too unbearable if the portfolio has been adjusted to your appropriate risk profile, and would not be too steep if the portfolio is well diversified with each fund not more than 6% of the portfolio and distributed evenly among several different asset classes.

So, always let the losses run; and trim only the winners whenever necessary.

Cheers. And happy investing.

PS. Above is not an original thought. It is from a Paul Merriman article in MarketWatch.com. Sorry, lost the link to the article.

yah but I only intend to put in 2 funds, which are the best to put them into (overall)?

helps needed here to analyse.
if comparing between funds of with the same benchmark,
the higher the value of
1) Fund Std Deviation,
2) Fund Sharpe Ratio,
3) R Square,
4) Beat

the better?

Just ranting...

It's getting to the point where i'm heavily considering moving all my cash into local ETFs & overseas ETFs.
The bloody annual mgt fees % is a killer VS ETFs
AND
i don't get proper "asset allocation" as these mutual funds are usually not >80%+ in the equities VS ETFs
ie. in essence i may be holding more "cash" than the cash in my flexi mortgage account thanks to the cash held by these mutual funds". screws up my asset allocation.

FSM does help lower initial costs and i'm grateful.
However.. as things accumulate and one can transact cost-efficiently (ie. big enough purchases) for ETFs, the pain becomes more on the "yearly management fees"

As for EPF A/C1... aargh! *^%$!
Stuck between EPF, mutual funds and self-directed investments into KLSE which still have to pay mutual fund-like costs.
   

Guys, whats your recommendation for the epf investment scheme?

There are 4 funds that just closed investment to epf.

How would you compare the PRSF and PSSF for epf?

Just for discussion what you guys think

How about PDSF? my agent choose this for my epf investment scheme 

@xuzen: thoughts on PFSF please thanks