ROI = Returns of investment...which is what you expect to get for this investment?
Duration = how long do you want this investment to be?
Risk = how much do you want to lose with this investment at that duration?

ex...
Roi= 3% pa, duration = 12 month, Risk = 0 loses. then try Fixed deposit.
Roi = 100% duration = 1 day, Risk = 100%...then try Genting.

Generally, there is a good correlation between risks and returns. The higher the risks, the higher the returns are likely to be. However, the key word here is 'likely'. There is no guarantee. High-risk instruments can sometimes crash, and lead to large losses.

So you have to be very mindful of whether your life situation allows you to handle such a crash. If not, it is better to choose less risk products. No matter what you perceive your risk 'appetite' to be.

read my reply in green above.

just a note of caution
Don't Ignore An Investment's Risk Level! Investing Basics
When it comes to selecting a mutual fund, its performance should not be the only factor that investors take into account. The fund’s risk level is also a crucial consideration. We explain why a fund’s Sharpe Ratio and Risk Return Ratio can say a lot about its risk level, and how investors can find these information at our Fundsupermart Fund Selector and fund factsheets.....Author : Eddy Wong
http://www.fundsupermart.com.hk/hk/main/re...?articleNo=2391

We believe that a good fund manager should be able to deliver good returns, but must also manage the volatility of the fund effectively. In other words, a good fund should have a better-than-average Sharpe ratio or Risk Return ratio. Information for the two ratios can be found in the Fundsupermart Fund Selector; investors can also refer to our fund factsheets for the Sharpe Ratios of specific funds.

Lipper is also a good place to start...
http://www.lipperleaders.com/

Avoid Using Your Rear-View Mirror To Invest...August 16, 2013
Extrapolating historical performance can sometimes be detrimental to investing; we suggest investors avoid relying too much on their “rear-view mirrors” when they invest.....Author : Fundsupermart.com

A popular topic which arises frequently when we talk to investors is the notion of a “best fund” or “best market”. Also, upon further probing, the meaning of “best” is usually simplified to some measure of historical performance over a particular period. Anecdotal evidence suggests a healthy correlation exists between funds which appear on the “top performing funds” list and funds which are selling well, an indication that investors tend to place a lot of emphasis on a product’s track record. Is such an investment approach akin to driving a car by looking in the rear-view mirror?
http://www.fundsupermart.com.my/main/resea...?articleNo=3744

This post has been edited by yklooi: Nov 11 2014, 04:41 PM

thanks for sharing...
i think it was you that did mention at end of last year...saying local dividend funds would be affect by the rising rate....is that you?
cos my YTD is only 2% ha-ha....

guess it is too late to jump.
If time and $$ allows, may I suggest to sit it out and DCA, on that regions that is currently "Cheap" and low on % in a diversified portfolio.
After this this storm is over, try to rethink the emotional experience gained during this time and reevaluate your risk profile and your portfolio to reflect this, or reduce the amount to be invested?

If it is this good and legit. (or legally correct but morally wrong)..why must PM? why not say it out loud?

This post has been edited by yklooi: Dec 17 2014, 02:39 PM

while waiting for more valuable replies from sifus....do read my comments in "RED"

if you mean Unit trust....this is a good place to start to find out more
https://www.fimm.com.my/investor/abc-of-unit-trusts/

being young may not mean one can go more aggressive.....
you might have thought you are an aggressive investor who can cope with a high level of risk based on the results of the risk profiling test. However, in practice, if you find that you always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments are not so suitable for you because they are likely to cause you to lose money.

Know Your Risks! Investing Basics
It is important to understand the risks of the investments you are considering to invest into. But, it is also crucial to understand your own personal risk appetite.
Author : Mah Ching Cheng

http://www.fundsupermart.com.hk/hk/main/re...?articleNo=2320

Your question, "Any equity funds more than 10% return u think can see prospect?"
well, can you handle > 30% drops and then stayed flat for > 5yrs?.....


This post has been edited by yklooi: Jan 8 2015, 11:06 AM

good that you have done that.
the next one is..contact the "right and more qualified" and willing to help persons?..see attached


Attached thumbnail(s)

"Just wan experience and comments only"...now i am giving it to you
because one man's meat may not be another man's food.
what one suggest may not be to your likings.....i just proved that..ha-ha...(example, by asking you to contact CIS)

well,..if you liked this answer better...
YES, these 3 funds (Manulife India Equity? / Eastspring Indonesia Growth? / RHB OSK Indonesia Growth?) that you had suggested is a good buy......preferably buy all of them at 33.3% each of your investable monies.
then go for it now . Don't wait.....

hope you see what i am trying to do....bro prince_mk98
in the forum,...whatever experience/comments being told.....are all up to each individual to digest....in the end, one is still best advised to contact the CIS if possible......in the forums....the background and its motives of the posters are not known, but CIS...at least you know where they are from...

This post has been edited by yklooi: Jan 8 2015, 02:31 PM

to add on to what David83 had mention....
for country/sector specify funds.....like you mentioned
Manulife India Equity / Eastspring Indonesia Growth / RHB OSK Indonesia Growth
try allocate about max 7~10% ea country/sector specific.....go higher if yr risk appetite allows it.....
just a note: the current and past performance of a fund may not an indication of future performance.....hope you are not selecting them based on their past performance.

See sector review of India
http://www.fundsupermart.com.my/main/artic...n/pdf_India.pdf
See sector review of Indonesia
http://www.fundsupermart.com.my/main/artic...f_Indonesia.pdf

why not try to use the Recommended Aggressive portfolio in FSM as a guide.....then alter/add/remove some funds and its allocation to cater to your needs?
in there can see the monthly FSM comments and updates info.
https://www.fundsupermart.com.my/main/inves...ntportfolio.tpl

read/review the Recommended Portfolio of Eunittrust too for a better view of their picks
https://www.eunittrust.com.my/pdf/fundview/...cus_Dec2014.pdf

Investors should also consider having a globally-diversified portfolio to tap into opportunities across the globe as well as to achieve diversification purposes.....from an FSM article.

This post has been edited by yklooi: Jan 8 2015, 04:40 PM

unsure if this can help....
In this “Idea of the Week” segment, we highlight three points about lower energy prices, suggesting that it may not be necessarily bad for markets.
https://secure.fundsupermart.com/main/artic...9-Jan-15--10012

In this “Idea of the Week” segment, we offer three implications for investors from lower oil prices.
https://secure.fundsupermart.com/main/artic...19-Dec-14--9972

In this article, we offer suggestions on how investors could make money from the US “Energy Revolution.”
https://secure.fundsupermart.com/main/resea...?articleNo=9138

"any outstanding opportunities now that oil plunged?"
Opportunities in Asian Equities!

While lower oil prices could be a headwind for energy-heavy reliant exporting countries as they see their source of revenues diminish, an environment of cheap oil could actually be beneficial to Asia as a whole. Many Asian countries, with the lack of their own energy resources and reserves (or in China's case where internal consumption exceeds domestic supplies), tend to be net importers of energy-related products like crude oil and natural gas. Countries in the region like Japan, South Korea, Indonesia and India are a few examples of net importers.

A decline in the costs of energy-related imports could not only help improve the current account deficits that some Asian countries are experiencing (Japan, India), but generally expand the profit margins of many Asian corporates and companies that rely on oil in their supply inputs. Naturally, the energy sector would be adversely affected by the fall in energy prices as their revenues diminish, but Asian equity markets as a whole could benefit from this environment of low energy prices. It could also serve as a catalyst for upward earnings revisions in Asian equities, This makes the investment proposition for Asia-ex Japan equities compelling at this current juncture!

try 1 or a combination
CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND
PHEIM ASIA EX-JAPAN FUND
AFFIN HWANG SELECT ASIA (EX JAPAN) QUANTUM FUND
EASTSPRING INVESTMENTS ASIA PACIFIC EX-JAPAN TARGET RETURN FUND
AFFIN HWANG JAPAN GROWTH FUND

geee, I can't speak like that....the above are all copy and pasted from FSM article...lah.

GLAD to be of help.
if you liked,..can try to start with this,..now the tricky parts...
the % to allocate for each sectors/region then % for each funds....
maybe further analysis of the recommended portfolio could helps.

*some funds are overlapped in coverage...but by having almost similar funds from different fund houses could help to diversify the "risk" that could come from just 1 FH.....just my thinking.

I think the articles are mean to see the impact / implications of low oil prices.
I think one of the article got links to some suggested funds for those that want to play the energy theme.

not sure if you can get from FSM m'sia...
try FSM website..click
Fund Info/fund selector/specialist Sectors/Alternative Investment-Energy.

This post has been edited by yklooi: Jan 11 2015, 09:56 AM

then he should try look for that fund in the ETF?

CMF is classified under Money Market asset class
Q: What kind of charges do I have to pay?
A: There will be no FSM sales charge incurred when you buy or switch-buy into the Cash Management Fund.
The expense ratio is not more than 0.40% p.a. This fee includes the annual management fee. The Net Asset Value (NAV) on the Cash Management Fund is net of the expense ratio.
more info at
https://www.fundsupermart.com.my/main/buyse..._cmf_campaign_c

did your statement shows an increase of units?
if it still shows "old" units held.....then the statement is not updated yet.

This post has been edited by yklooi: Mar 6 2015, 04:38 PM

seems like a good route too.....
eternity4life more info pls?

This post has been edited by yklooi: Apr 13 2015, 10:40 PM

Both are also VERY M'sia focused....
so not VERY diversify....
(if m'sia got hit...both die)
just a thought.