Did what you had just done last year... everything was "doom and gloom", and was completely lost on what to do next, so cut lost, did a retreat and bunker down... live to fight another day! 

The main question is WHEN to get back into battle. I don't think everyone will have the same opinion on the exact moment, the best feng shui time to make the audacious move... so what I did was to take baby steps and tenderly test where the land mines are hidden. Maybe you're different and have the patient to wait and do a coup de grace in one major assault.

As to what vehicles and weapons to employ, the EPF money cannot buy imports. Only made-in-Malaysia ones. Oh, you already knew this... and most likely a lot of other stuff too, since I was not aware that Flitch would unexpectedly made the downgrade before this year's budget... sorry for the long winded post.

But with the ringgit down, it would be more expensive now than several months ago, to buy foreign imports.

Cheers.

PS. Maybe you could get more specify opinions if there is something more specify to discuss.

okko

explanation here:

if you just leave the fund without doing anything

just after GE13
See prices movement here
http://mutualtracker.com/funds/view/43
6 May 2013,
i switch to PRSF from PIMMF
total units is 280,395.8[COLOR=blue]4 (RM 183,126.52) at 0.6531

if i just let it sit there

10 Jun 2013  at 0.6784 (RM 190,220.53)
25 Jun 2013  at 0.6516 (RM 182,705.92) <--------- drastic drop to estd 1720 KLCI index
22 Aug 2013  at 0.6549 (RM 183,631.23) <----------another drastic drop to estd 1720 KLCI as well.
(As long mutual fund units stay the same, the value is always roughly same)[COLOR=red]

Above is based on my total units of 280,395.84[COLOR=blue]
Question is,
How to do better than EPF?
Just hoping that Malaysia keep going up is not going to work anymore.

On the two date which i incur 0.75% switching fee which cost me RM 1,372.87
23 May 2013 and 14 Jun 2013
My PRSF total units is reduce to 280,334.14[COLOR=green]
( Speculation fail but minimal losses )[COLOR=red]

Just imagine if i just let it sit there hoping for miracle
On 22 Aug 2013,
my portfolio worth only at RM 183,590.82

On 15 August 2013
i decided to switch to PIMMF which incur another penalty at 0.75% (RM 1,398.86)
(PRSF at 0.6823)
i managed to switch back to PRSF at 0.6666
which now total units is 284,977.41[COLOR=purple]
Now
i have 284,977.41[COLOR=purple] units instead or 280,334.14[COLOR=green]

If the price can go back to my old switching price of 0.6823
my value is now RM 194,440.08 instead of RM191,271.98
Hope you understand when i say
"i am trying to buy LOW and sell HIGH" even though at 0.75% switching fee