up to u , u wan 3 month or 6 month emergency fund.

i think u just keep this 1.5k in eFD in case u need money, easier for u to get it.
emergency fund means not necessary the higher profit/interest, but easier for u to get it if u need it.

if got any extra cash can try low risk investment (FSM/PM/WAHED/......)
build up ur emergency fund by accumulate in money market fund/ bond fund first,
after that baru consider equity fund/Stashaway/WAHED.........that is high risk.

### dont know ur 100k in ASB is cash or anything else, so cant comment more.....

This post has been edited by ironman16: Dec 21 2020, 07:51 PM

You define those as low risk?

if using PM/FSM buy money market fund oso can ma........
WAHED , may consider super low risk, i dont know bcoz dont have.....

##im still editing, u super fast respond

This post has been edited by ironman16: Dec 21 2020, 07:51 PM

Wahed Very Conservative portfolio invests 90% into RHB Islamic Bond Fund.
It has a Gold portfolio whereby it invests 97.5% into GOLDETF (8028EA) in Bursa Malaysia.

if like this , better consider money market fund

May I know what important issue to take note when deciding to sell the unit trust?

Since the fund price is unknown until the closing of the day then we only can agak-agak now whether it is in uptrend or downtrend based on previous few day price trend, am I right?

I will sell once I fund the fund underperforming relative to it's peers.

Good Morning Everyone,

Can someone help me out?

I was looking through my portfolio in EPF's i-Invest and noticed a fund was missing in my accounts holding page. Specifically the "Eastspring Investments Dinasti Equity Fund"

When i log into myeastspring website, its still there and so is my investment.

Wondering why isnt this fund and the investment not showing up in my i-Invest account? Even in my watchlist it doesnt list this fund as a holding fund.

May I know how to know the fund is underperforming than its peers?

Is peers means fund that has the same top 5 companies in the latest monthly product sheet?

Yes. Same for me. Weird

I define it as fund that compete in the same sector. Greater china vs greater china fund for example.

I can see mine there:

Epf apps.

Investment>View Details

It is still listed there.

I still cant see mine. In the web nor in the app

FYI, I cant see only 1 of my fund, the "Eastspring Investments Dinasti Equity Fund". The others can see.

Ya same. It's missing in both for me as well.

Should we be worried?

I can still see it in fsm. So I don't think it's gone. Just epf system gone mad I think.

I currently have Eastspring Growth fund and Small Cap fund. (Growth fund gaining and Small Cap losing at the moment)

Thinking about switching one of them to Dynasty Equity fund. Which one to switch?

Are you planning to do the switch due to the performance or returns or for diversification considerations?

long term growth and diversification as well