mind to share, why you select GEM bond previously?
based on what?

ok, thanks for the reply,
from the FSM fund info, i observed that "most" of the bond funds are even better then some of the Eq funds
some of the Eq funds had been in RED for many years...
just becareful on yr selections..good luck

warren buffet have this to said
"”Equities will do well over time — you just have to avoid getting excited when other people are getting excited.”

"Four or five times during their lifetimes, [investors will] see incredible opportunities probably in equity markets … [they] have to have the mental fortitude to jump in when most are jumping out.”

yea, those that can be GREEN all time for 10 ~ 15 years will only be paying about the same as inflation rate/FD rate

then u are great.

yes, just my thought on this....emergency fund....which normally they say keep 3 ~ 6 mths
3 months is just the minimum i guess, provided one is highly capable of getting back the type of job with almost the same perks they had lost in these short time, else, i would say, keep as much as possible....cos you will never know when you will be employed again at the same perks you had had.

cannot be GOOD all time.[COLOR=red]
from their annual report
kenangga growth Dec 2007 down almost 40% till Dec 2008 then break even on Dec 2009
Hwang select Opp Jul 2007 down almost 30% till Dec 2008 then break even on Dec 2010
Osk-Uob Emerging Opp about the same amount of drop at almost that time.......


This post has been edited by yklooi: May 14 2013, 02:39 PM

i looked at the chart from the fact sheet....
seems like the performance is FLAT from Dec 2009 till Dec 2012

interesting info...
thks,

just a note: i think there is a 1% repurchase charge if the fund is sold off within the 1st 6 mths

This post has been edited by yklooi: May 14 2013, 03:53 PM

it just depends on why you selected it?


here are a few quotes from Warren Buffett.... .

If you aren't willing to own a stock for ten years, don't even think about owning it for ten minutes.

Should you find yourself in a chronically leaking boat, energy devoted to changing vessels is likely to be more productive than energy devoted to patching leaks.

Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.

I never attempt to make money on the stock market. I buy on the assumption that they could close the market the next day and not reopen it for five years.

me no pro...i got burned many times before in UT.
experienced not to go into stock....even though got some wonderful gains from stock previously.
not knowing what is happening behind the boardroom where the CEO and their cronies are planning

just wanted a nice sleep...let them (IM) to do worrying
the trade of for that...lesser income

from the fund fact sheet...if >6 mths no charge

just my opinion,..
why HSB and not RHB Bond
lipper fund volatility rating, FSM risk rating, 3 year risk rating, 3 yrs Sharpe Ratio rating and ave returns points to RHB bond.

only the fund size of RHB concerns me.

thks for pointing out.

but looking at the factsheet,...from the currency exposure chart...
i think the global bonds holding is about 15 ~ 20% others is M'sian

wah,..so deep one.....so many things to read ....
i think i will stick with the lipper fund volatility rating, FSM risk rating, 3 year risk rating, 3 yrs Sharpe Ratio rating and ave returns points for funds selection until i kena tembak

wow, yah -lor, u sure or not, so precision meh.

how can i be at 50% of this good

OSKUOB Asia Pacific got 38% japan

you SIFUs,
just reading your post since y'day, i got the feeling that you are doing the rebalancing of yr portfolio frequently....let me guess, you set a target for each fund...if it reaches/fall below a target, you sell off/top up the different.
am i right, how often do you do that?

read the post on page 95

depends of why you buy it.
just a though, if you hd bought gold in 2004 and by 2007 you had made a profit 200% and sold...you would missed another 400% ROI
just a thought...cos it might go in reverse order.
what is your faith/beliefs on the funds that you hd .

just reading from the post you all SIFUs posted...trying to analyse what is going on....
so much to learn, so much more to know...you ppl are fantastic in terms of investing knowledge.
me...just "Sai lang" show hand almost all my $ into UTs. lastweek