just my suggestion.....just don't put all your investment monies into just 1 or 2 funds.....CIMB Islamic Dali Equities fund is a Malaysia focused fund.....you can start with that if you are comfortable to that, but I would suggest after that try build a portfolio of funds that are suitable to your individual risk profile/appetite.

David83,
...pls note that the link to OSK-UOB in page 1 post #1 is not working now....pls have look and amend if have to?

unknown to your risk profile, what is "missing or too much" in the portfolio and etc....
may I suggest you read thru these links first.

Getting Started : Knowing Yourself
We will attempt to read your mind.

Hmmm, OK, yes, yes.. The picture is becoming clearer.

OK, this is what you are thinking.

"I need more money in my life".

Good, aren't we?

Well, the trick is simple. We all need more money in our life. Money to pay our housing loans, car loans, income taxes, and bills, bills, bills. We need money to buy the things we want and pamper ourselves once in while. We need money to start a family, and provide for our children. At the end of the day, when we retire and we stop drawing an income, we still need to have enough money to live day to day.

Yes, it's tough.

But the good news is that we can retire comfortably. By investing wisely now, all of us can generate enough cash to deal with all of the above, and more.

However, before you jump in and start investing your hard-earned money, there are several important things that you would need to know about yourself first.
•How much do you really need? (Future Planning)
•How much risk can you take? (Risk Level)
•How long are you willing to wait before you see profits? (Time Horizon)

http://www.fundsupermart.com.my/main/schoo...d.svdo?PageID=1

or if you are already comfortable with what you know,....
try this from FSM
http://www.fundsupermart.com.my/main/resea...tormaincode=All

This post has been edited by yklooi: Jan 14 2014, 06:57 PM

try start with this if you like...it can be a good starting point.
http://www.fundsupermart.com.my/main/schoo...d.svdo?PageID=1

then click at the links (at the bottom of each article) to learn more.

or if got time read what had been posted in lyn. (start with page 1 for most of the important info are there)
https://forum.lowyat.net/topic/2601692
https://forum.lowyat.net/topic/2064127
https://forum.lowyat.net/topic/2466037
https://forum.lowyat.net/topic/3011236

not necessarily must start big.....start with monies that "can" be lost, start young, do regular investment, give your investment more time in the market than timing the market and once in a while review you holdings.

This post has been edited by yklooi: Feb 3 2014, 12:35 PM

some of the risks scripted here
http://www.fundsupermart.com.my/main/schoo...s.svdo?PageID=3

i would say, with yr stated portfolio...it would be rough estimate of about 6~7% p.a X 5 yrs = 35% BEST.
bcos...
invested RM 12500 x 7% = RM 875
in it, 40% FD at RM 5000 at 3.3% pa BEST (RM 165)
RM 875 - RM 165 = RM 710
60% UT at RM 7500 needed to generate RM 710 is about 9% average.
out of this 60%...26% of it (Cimb Islamic Enhanced sukuk) is historically generated about 5.3%p.a
26% of RM 7500 = RM 2000 is at 5.3%pa. = RM 106
RM 710 - RM 106 = RM 604 is to be generated by a returns from 34% UT (RM 5500) which would be about 10.6% pa

check out the historical performance trends of the other funds in yr intended portfolio to see how it goes.

BUT it can go both ways...past performance MAY not guarantee of future performance.

This post has been edited by yklooi: Apr 29 2014, 09:13 AM

Definition of 'Investment'

An asset or item that is purchased with the hope that it will generate income or appreciate in the future. In an economic sense, an investment is the purchase of goods that are not consumed today but are used in the future to create wealth. In finance, an investment is a monetary asset purchased with the idea that the asset will provide income in the future or appreciate and be sold at a higher price.

http://www.investopedia.com/terms/i/investment.asp

but is there other better investment out there that can provide better returns at the same level of risk appetite and time frame?

When it comes to shopping, we usually make our intuitive judgments about the value of goods by their prices. However, this principle does NOT apply to fund shopping.

It is a common misconception for investors to believe that a lower fund price makes a fund more "attractive" while a higher fund price means the fund is "expensive". In fact, whether a fund is expensive depends strictly on the valuation of its underlying assets. The unit or the Net Asset Value (NAV) price of the fund bears little significance.

Don't Let The High Fund Price Deter You [27 Apr 2012]
http://www.fundsupermart.com.my/main/resea...?articleNo=2288

hope that this article can helps you decide.

just hope that you can wait till 28 Aug 2014

Post #2464
https://forum.lowyat.net/topic/3186068/+2460#entry70002001

http://www.fundsupermart.com.my/main/home/index.svdo?

This post has been edited by yklooi: Aug 25 2014, 06:43 PM

may i suggest you understand/know your risk appetite first,
then you may read up samples of portfolio from here
https://www.eunittrust.com.my/pdf/fundview/...tor_Aug2014.pdf

https://www.fundsupermart.com.my/main/inves...ntportfolio.tpl?

have crystal ball(s) at hand?
which region/country/sector of the equity fund that you are holding? has the region/country/sector now over valued too much in terms of P/E when compared to others?

just my mind thought...
if funds are purchased based on risk profile, purchased at the right market valuation, portfolio are constructed based on the right risk profiles and invested with investable monies, then why sell as UT has always been long terms...unless you are sure the crystal ball are correct.

found this on the web.
The Stock Market Is In A Correction. What Should We Do?
What history tells us about market crashes

As the very first incarnation of our local stock market only appeared in 1973, there’s a shortage of solid historical data as compared to the stock market of say, the United States. So, let’s take our cues from the Western economic giant.

My American colleague Morgan Housel once did a nifty piece of work by studying the frequency of stock market crashes in the country going back to 1928. Here’s what he found:
Magnitude of market crash and Historical frequency
10% Every 11 months
15% Every two years
20% Every four years
30% Every decade
40% Every few decades
50% 2-3 times per century
Over the past 85 years in the USA, its stock market has fallen by 10% from a recent high every 11 months – that’s more than once a year. When looked at through the lens of history, a market correction suddenly seems mundane and boring.
“One of the most common questions financial TV hosts ask their guests is whether they expect a pullback or a crash to hit the market. It’s an odd question, akin to asking whether they expect summer to occur. Of course summer will occur, and of course stocks will pull back.”

That’s snarky. But it’s true. And here’s the kicker: Despite the S&P 500 displaying ostensibly large amounts of volatility in the past 85 years, it has climbed by 10,000% to where it is today since the start of 1928.


http://www.fool.sg/2013/12/13/the-stock-ma...t-should-we-do/

(click "refresh" when prompted to sign up)

wow...good, short and clear to understand tips/instructions....

just out of curiosity...
what make you sure that investing mistakes won't happens again this time if you transferred to other providers?

what is your expected ROI?
What is the duration of this "shorter time"?

OK. noted.

1) past performance may not repeat, well at least there is a guide I guess
2) I think PM fund are also flexible to be switched to other PM funds.
3) unless it is a bond fund, most Eq funds has SC...of cos lower than PM,...but since you had already paid SC earlier,...why not stay for a while?

He enter PM only last year,...even if it is PCSF or other China heavy funds.....it cannot recuperate sooner or later?
I just entered PCIF few months back...

would you mind sharing what you got in PM and what you want to switch to?

oh,,,,,guess you are right.
last year Small caps funds has many top superb performers.....Dividend funds had a good few years of good records too.....I was also "blinded" by greed on that too....thinking history can continue to repeat....

wow,...with 5.5% Sc and yet you can still have small positive returns...
"As an investor, everyone wishes to maximize profits by getting better performing funds".... ....
the question is how? History MAY not repeat, no crystal ball to see the future......

my 2 PM dividend fund YTD ROI is about 2%, but my Hw SDF is about 8.9%