Most of the funds taking a hit at the moment. Maybe due to Cyprus problems.

http://www.marketwatch.com/story/dont-jump...k=home_carousel

Don’t jump back into stocks unless you plan to stay

This is the mindset that investors should have

Dividend for OSK-UOB EM Bond just updated to my FSM account...

Tax voucher is also sent out. Just received.

I see.. Hw about bonds? Any recommended ones?

Not a bond player. Those famous bond fund are already in the list.

Just updated my portfolio worksheet with the distribution. My holdings of OUEMBF actually took quite a bad hit during the past 1 month

Emerging market dun know do what....seriesly drop and bad performance...bond / equity also cham..

Yeah, my GEM equity even worse, from IRR of 6-7%, dropped to 2%+ in a matter of a week

Made some observation during the recent drop, Hwang Select Bond Fund is really a very good bond fund to include inside a portfolio; when (almost) all funds drop, it gains. Which means that it is negatively correlated to to equity performance. Whereas OSK-UOB Emerging Markets Bond Fund though performed commendably, it does not really serve the function of a bond fund in a well-balanced portfolio well, which is to even out the impact of market fluctuations on a portfolio.

PGSF keep dropping too. Haha.

i see actually bonds are more conservative and have lower risks, thus their return wont be very high but will be better than FD or savings account right?

I'm aware of that but I prefer HYIP with medium risk tolerance.

In the long run, can safely answer "yes". But in a shorter timeframe of just a couple of years, bond fund can also deliver sub-par returns; a year's negative returns i.e. loss can drag down your annualised returns greatly.

E.g. Year 2010 -3%, Year 2011 +5%, Year 2012 +4%, that would give u a 3-year annualised returns of only 1.94%

See u scared or not...still dare say bond have "lower risks"?

apa tu, boss?

actually i was asking you whether that statement is correct thanks for the confirmation~

har.. then i might need rethink then.. coz i wont be moving my funds in UT alot.. might probably end up leaving it there for few years, so looking for some bonds or UT that less volatile ..

@pisces88, Pink Spider has answered.

HYIP stands for high yield investment product; could be equity fund.

In near term, FD will have higher return and quicker liquidity.

In my earlier example, 3 years is also considered "a few years"

My suggestion to u is, if u are quite certain that u would remain invested for quite some time, build a conservative portfolio of perhaps 66% to 75% bonds + 25% to 33% equities. The award-winning Hwang Select Income Fund which has consistently delivered above-EPF returns over the years is at 75/25 most of the times.

nice website ! will buy things from it

oh? then maybe the Hwang Select Income Fund is what im looking for


you're right on the 66-75% bonds.. thats why im looking for recommendations for bonds from the sifus here