a banker suggest me commodity fund...but i tell her commodity is currently falling flat...its equity market, small n medium size companies some of them are doing quite well...

You may consider this:

http://www.fundsupermart.com.my/main/fundi...number=MYAMCEQT

Precious metals and industrial metals may be on the hit for the current market sentiment.

Bought it in April near its peak? Chasing hot fund?

1. If purchased earlier in Jan, there would be some gains. Its YTD is +9.19%.
2. Try to do DCA (Dollar Cost Averaging) next time in any purchases, instead of placing all bets at once. Not easy to time it right, the market can go either direction any moment. Even professionals don't get it right all the time.
3. I was chasing PFEPRF too; but bought it much, much earlier and sold all by May. It went up too steep in Jan & Feb.
4. Will enter it again next month... part of portfolio plan for 2014.

uh oh, sukuks and islamic bonds got hammered again. Sukuks bought in May just went negative.

Win some... lose some... if solely depending on UTs for retirement income this year, would be eating rice porridge.

+9.19% , thats very high. congrats! i decided to hold on for this fund.

some trader advise me to buy commodity shares too....

I will answer whether one should long on Commodities or not.

Before that, I want to highlight that bankers, traders point of view will greatly differ from individual investors. Their job is trading and to create alpha for their fund. They probably will not give good investment advise on personal investment matters.

Now, from a point of personal investing, you should look at your portfolio in totality. How much exposure to commodities does one have at the current moment?

If one has zero exposure, then it is good time to buy. I would advocate non-core investment or exotic/alternative or thematic to be around 5 to 10 percent of total portfolio, depending on risk profile.

If you already have 10% exposure to commodities, then one should not over-expose to exotics investment anymore.

Hence, when one ask should I buy this or that, the most logical answer is to look at your portfolio and then make the decision. The decision defers from one to another.

Xuzen

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 ?

i think the ratio is much depends on each individual risk profile, financial risk experience, net assets standing, knowing how much can you afford to lose for a certain time frame period, what is the expected ROI for your portfolio and alot of other factors....i think there is no "RIGHT" or "WRONG" ratio.

i just remembered this (was posted by other forummer before).....may not be suitable or agreeable to all, hope it helps....
The ultimate buy-and-hold strategy
http://www.marketwatch.com/story/the-ultim...17?pagenumber=1

just saw this in my email...
"Dear Unitholder We wish to inform you of our PMO Awareness Campaign, from now until 31 December 2013. Investors who sign up as a PMO subscriber and perform at least one transaction by 10 January 2014 through PMO will be rewarded with 5,000 Bonus MGQPs!! For more information on the PMO Awareness Campaign and services of PMO, please click on http://www.publicmutual.com.my/CampaignsPromotions.aspx Regards Customer Service "

Anybody is attending the investor seminar?

where, when?

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but my sister buy the fund no earning 1 = =

Usually 60% equities and 40% fixed income is a good start. Another method is to take your age and that should be the percentage of fixed income. So if you are 45 y/o, then it should be 45% in fixed income.

Xuzen

Didn't come to LY forum consult all the sifus, that is why lar....

Xuzen

That is Rule of 100 concept. n_n

cool.. will take that into consideration.. need to balance out for max profits when i'm still able to...

later become old man with kids.. family/wife and etc.. have to move a big chunk into fixed income

This campaign only benefit new PMO user, not much on existing user. The only benefit is 5.25% (equity) and 0.95%(bond) sc during this period. One unclear point is DDI created during this period will maintain the discount sc or not.

hallo..

i would like to diversify my UT portfolio by adding bond fund..
i already have PIDF, PISEF and PFEPRF...

can anybody recommend performing bond fund? there are too many to select such as public islamic bond fund ,public bond fund, public islamic select bond fund and public sukuk .