Means 11% cash...

OSK-UOB also takut GE

Btw, Eastspring Investments Asia Pacific Shariah also cash-heavy at 20%+  as at 28-Feb-13

my funds :

OSK-UOB Emerging Opportunity Unit Trust      22.37% 
OSK-UOB Growth And Income Focus Trust    16.66%
OSK-UOB KidSave Trust                              32.77%
OSK-UOB Smart Balanced Fund                    16.49%
OSK-UOB Smart Income Fund                        11.71%

ok?
plan to transfer Smart Balanced & Smart Income to Emerging Opportunity & KidSave

Haha.. Downturn for one yr also wait like neck going long already. More painful when u already gain alot and then come downturn wipe out everything thenwait again.

The pain and agony of seeing red when u udate ur portfolio will be stressful. Haha..

Hence my approach will rebalance my portfolio yearly or when necessary

No Meleisia tax 
So all invest in UTs? 

Yeah I do make compulsory monthly contribution on UTs. Do I need to put in PRS fund or just normal UT?
If PRS, then 70% will be locked, 30% premature withdrawal at 8% tax.
Or I just invest in normal funds eh 

Unker gark, I may be wrong but this is my understanding...

When companies pay dividends, it deduct tax so that shareholders get the net amount after tax. E.g. gross RM1m, net RM750K
UT receive the dividend, it is recognised at the gross amount on the P&L/Income Statement e.g. RM1m, then tax expense of RM250K appear just before the bottom line net income.
If the unitholder is already taxed at the max tier, it makes no difference whether the UT distribute dividend or not...

Pls enlighten me if ayam wrong

Ok, so for small ant employees like me, it makes little difference. But for bigshot offshore-based Malaysian residents like u, it makes a difference. Noted

Haaa I Malaysian need to pay 26% tax as non-resident taxpayer??

Tax is already charged at the fund level...

So, are u a MY tax resident?

That means I am exempted by tax? Banyak blur sudah.

Since I pay SG tax, impossible I pay MY tax also.. double taxation.   

Yeah, in the future, more and more UTs won't see tax charge already. Like now I'm reading the annual report of Pacific Global Stars Fund, at tax expense column...ZERO. Cos now more and more Malaysian companies already reverted to single-tier divvy. Foreign dividends not taxable, right?

Cons - Ppl on lower tax brackets cannot claim back the tax credit

Itu pak cik tau Malay? 

It's very unusual for a fund (even equity fund) to drop 5% in a day. Unless the fund is a very focused fund with less than 10 underlying stockholding and most of them kaboom-ed.

NK go to war = end of regime Profit!

Goodness... eh, let unker Wong take U go massage massage lar, or Spa with mirrors and stuff, then U build-up resistance
Sorry mods.. off topic