er.. no sifu here, just thinking out loud & bouncing some ideas off U ya.
1. IF U cut loss now, do U have anything better to plonk the $ in?

2. IF U didn't cut loss now, can U hold for 5 to 10 years? ie. don't need the $
3. IF U held for 5 years, what are your expectations? 5%pa compounded? 7%pa compounded? 9%pa compounded? 12% pa compounded? 20%pa compounded?

IF (1), why not?
IF U don't have anything better with higher probability.. continue to below


IF (2) and for (3) U expect around 5%pa to 9%pa, ok ar - statistically probable as LOOOONG term stats (we're talking about 10 years and more) i saw from PM's statistical FPAdvisor shows those ranges. Poke your favourite PubMutual agent for more details/print out (to PDF).

IF (2) and for (3) U expect 15%pa to 20%+pa... er... good luck with timing the market.

Just a thought

BTW, in future, U may want to have some % overseas.
Personally, i'm aiming for 2/3 or more of my investment assets to be overseas (in more than 2 countries).

This post has been edited by wongmunkeong: Jan 21 2013, 08:28 PM

Ya, planning to get some oversea fund thru FSM. But my current holding of malaysia fund in PM still in loss, my target to sell it when around 5% profit. It was a mistake 2 years ago buying few PM funds with same portfolio.

Bro.. What were your plan last time when buying in those PM funds? Lump sum or DDI for long term?

To me, I will continue keep the funds and average down if market is down. Every year, will re look into them and if see some profit, will rebalance and try to minimized same exposure fund.

If your investment in those funds are huge amount, then direr rent story for me la. If I can't sleep because of a drop more than 5%, then I will shift part of it to bond.

Just me la, I am expecting drop of 5-10% comming GE. But don't quote me la...

I am newbie to UT 2 year ago, without knowing much info, walk in PB look for PGF, end up I only i can buy PB series fund. So I decide on PBGF on the spot, and it is the only fund with agent (the bank agent which I not really know him, he did keep on call me for promotion when I keep on top up every month.)

I hv apply PMO at the same time. After that, i buy PGF online. It is because I choose it before go to PB and feel must buy it. It was the first mistake, buy 2 growth that nearly same portfolio. Actually I can see the NAV everyday hv the same pattern. After few months, I get know that PSMALLCAP is open for investment again, I quickly buy it with DDI, and I don't know it is mistake or lucky. Mistake side, buying all Malaysia equity fund, no diversification at all. Lucky side, PSMALLCAP is the fund make my total investment return with positive number.

For sure I can sleep well with drop happen, i did prepare for total drop not more than 25%. My challenge now is to exit from 1 or 2 malaysia equity fund and shift to asia or global fund. I am looking for a good timing. my fund is not in huge amount, i am not rich guy, .

Bro.. me same as you, started UT investing 2 years back.

also same mistake as you.. bought too many almost same funds from PM and UOB Bank. I have yet to rebalance to cut down my same exposure funds as profit not much yet (not achieve my target). Once achieve, I will rebalance them (for OSKUOB funds).

As for PM funds.. i will just leave it as it is at the moment. Once in a blue moon will top up few hundred la..

Main focus now on UT investing is at FSM..

I feel lucky to get in this forum, and make me known to FSM. My initial purpose joining Lowyat forum is because buying a new Lenovo laktop and require some advice from forum here. After I settled down my laktop, I see around the forum and found here. Between FSM and PM, I am not deciding the focus yet, i only can tell after I get some UT from FSM. Currently, my DDI in PM still will be maintained.

Thanks bro for simple and meaningful insight... I am looking to involve in overseas as well (europe and china) reading the direction of growth over there.

Still my sense said to maintain on local equity and little bit exposure to asia ex-japan.

haha... it is a learning process here. I am learning from ppl here as well..

You should go to FSM investment fair and check out if you are comfortable investing through them or not?

But unfortunate that I am JB people, no fair here , only hv in Penang and KL.

ah.. a bit unfortunate here... hopefully FSM will make a tour to JB in near future..

Why worry? My Malaysia equity fund makes up only 4% of my portfolio. 4% jatuh 2.5% today = portfolio jatuh 0.1%

I'm more interested in picking up dividend stocks with my upcoming bonus

This post has been edited by Pink Spider: Jan 21 2013, 11:00 PM

I just checked from FSM website,
2012 fair in KL
2013 fair in KL and Penang
2014 fair in KL, Penang and JB ???? May be it is just my dream.

This post has been edited by birdman13200: Jan 21 2013, 10:46 PM

U at JB

An idea for u...

Why not open an account with FSM Singapore? Singapore UT industry got A LOT more selection than Malaysia's, and most of their funds (especially foreign funds) are performing better than our's

But u will doing the shopping, cos the list of funds

ada mention ka JB

Well for those who wished to time the KLCI, here's a useful slide from FSM seminar:

[attachmentid=3274324]

The size of correction is getting smaller and smaller. One reason I suspect would be that institutional stockholding is getting bigger and bigger (hint hint...EPF), thus supporting the KLCI even in a major selldown.

In other words, our money is effectively supporting a Ponzi scheme called the Malaysian stock market

im very grateful because i already switched out from equity.

now time to go in.

\nn/

It's ONLY -2.4%

Better monitor GE first before going in.. Unless it is not MY focus la..

The Edge got a report saying they received SMS that GE will be on Feb 22, thus the sell-off yesterday. BN piling up its war chest...