All 4 are good. if u lazy to do ur own monitoring and balancing, go for KidSave.

Note that AMB and KidSave can diversify up to 30% overseas, while EIEIF and Kenanga are pure MYR fund.

I'm one of those who are skeptical about Malaysian equities.

I just sold off PSMALLCAP today.

That's just small caps, how about Malaysian large caps/blue chips/dividend stocks?

None of them. I don't have a 100% local equity fund.

Even PSMALLCAP is not purely 100% local.

U made me also feel wanna fully switch my EI Equity Income to EI Global Emerging Markets, esp seeing that KLCI had a strong run lately whereas GEMs underperformed.

is XIRR % considered annualized return % as well?

IRR is annualised return.

Well, KLCI is underperformed compared to its peers lately.

When Asian market rally to nearly 1% or 2%, KLCI got stuck in RED.

That's why I'm pessimistic over KLCI or local equity especially when GE is nearing very soon.

Well, maybe you have not been looking into the details. I have been closely looking at some stocks esp large cap blue chip consumer stocks in recent days, Target Price (TP) for some of these stocks have been breached, and some are steadily climbing toward the TP. It's as if everyone have forgotten about GE or investors are so hungry for dividends that yields are getting under heavy pressure.

Yes, when Hang Seng rallied, KLCI seem to be -ing, but when the rest of Asia got under selling pressure, KLCI -ing and -ing climbed, and it's not just the blue chips.

My guess is that institutions are pumping up the market.

This post has been edited by Pink Spider: Mar 7 2013, 09:08 PM

If I remembered correctly last week or this week, all markets over the world are in GREEN at least 1% min but KLCI closed in RED; lower by few points.

I'm not into local stocks as I have no plan in buying any of local shares at the mean time till after GE.

Foreign fund houses have been buying into our equity lately.

This post has been edited by David83: Mar 7 2013, 09:31 PM

Actually...US market now also quite scary when hitting all time high....we can not time the market folks....jus follow the flow and keep amour....need to turn down the monthly top up into GEM + world + China/asia fund as well.....have no direction wher market heading now...except japan

if like wat u said means go defensive? park all inside CMF fund? becos bond also very uncertain ma haha..

Japan equities market is more unpredictable.

When Asian market up this week in the range of 0.5% to 1%, Nikkei 225 closed in RED.

When Asian market in RED this week, Nikkei 225 closed at least 0.5% higher.

Do Value Averaging on your portfolio as a whole, e.g. if u plan to "value up" RM500 a month, but your portfolio went up RM300 last month, just top up RM200 on your portfolio, top up on the laggards. That's what I do.

Nikkei is now liquidity and forex-driven (Yen weaken, Nikkei go up) as opposed to Hang Seng which is mainly China newsflow-driven.

hmm, tis i cannot really understand, why need to do this? if rise then u top up the same amount not better? if not like the rise in ur invest is equal to nothing.. becos like u every month u got rm500 to invest in UT, but now u only invest rm300 to ur portfolio, then 200 u put where?

This post has been edited by ben3003: Mar 7 2013, 10:22 PM

When I analyze Asian market, I'll not just concentrate to HSI and Nikkei 225.

I'll put STI and S&P/ASX 200.

Why I do this? Because most of the Asian ex Japan funds are investing heavily into HK or Greater China, Singapore or ASEAN and Australian (especially REIT).

This post has been edited by David83: Mar 7 2013, 10:35 PM

He's employing a technique called Value Cost Averaging.

This post has been edited by David83: Mar 7 2013, 10:27 PM

CMF lo

*think reverse scenario*

If u top up RM500 come rain or shine, what about a month when your portfolio kaboom go -RM300? Still top up RM500? Then it's net +RM200 for the month...

I'm of the opinion that Value Averaging is superior to Dollar Cost Averaging. With DCA, u might end up deploying your cash even when the market is overheating. With VCA, u top up more when the market crash, top up less (or even stop topping up altogether) when the market rallied hard.

Yeap...now under observing VCA method. I already stop d DCA unless US going stable