My EPF money going into Hwang Select Opportunity Fund. GE? No worries, doubt that Malaysia will go downturn for >10 years

All the same holdings, you need to diversify all your risk. You are having 5 eggs in one basket. You need to have 5 eggs in 5 basket...

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.

How? How? How? Don't monitor too closely lo, less heartache

I'm gonna do Value Averaging on my EPF-funded investment, up 3K every quarter

How many funds u bought or plan to buy using epf?

Study shows that investor lose more staying at sideline waiting for downturn rather than the downturn itself. So it is better to stay invested at all times and ride the ups and down. Market sometimes moves in a direction that you least expected.

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

For now, only Hwang Select Opportunity. Maybe later will also buy OSK-UOB Emerging Opportunity Unit Trust as a smaller %, e.g. 2/3 in SOF, 1/3 in EOUT. For EPF-funded investments, no bond fund for me, it'd be pointless to withdraw from EPF which yields 5-6% and invest in a non-guaranteed bond fund that returns similar or even lower.

This post has been edited by Pink Spider: Mar 30 2013, 03:29 PM

So every 3 months you plan to take rm3k to invest? Don't plan to do switching or rebalancing? Or just play around with the 3k for rebalancing?

Which part of "Value Averaging" that u don't understand?

Put RM3K (actually is RM3,060, I wanna put in NET RM3K after SC)
3 months later if made profit e.g. RM3K ==> RM3.1K, I put in RM2.9K
Another 3 months later if RM6K ==> RM6.3K, I put in RM2.7K

and so on

i am interested in contributing to prs...any good funds recommended out there in fsm....

Ini macam ka ... Haha, okok!

Not many funds, hwang is good

Not sure if this has been discussed before but.. does anyone buy PRS fund?
8% tax for withdrawal once a year sounds painful though, how different is it from typical unit trust funds?

Thinking logical...

Bcos of the tax penalty, most investors would stay invested. Thus, the fund need not maintain too much liquidity (i.e. cash) to meet redemptions, and can invest for the long haul. Plus points.

i am doing it for tax exemption....my tax bracket is high

If invest for the long term no need to stress when see red. Instead it is an oppurtunity to buy at great prices.

There are people who panic when they see red, but others rejoice at mega sale when red. If you can do the latter, you would havd better chance to do well over the long term.

If your favorite shop give mega sale, you will sure buy buy buy...... but when come to investment why think the other way?

have CIMB-PRINCIPAL AUSTRALIAN EQUITY FUND & CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND but in clicks


has CIMB-PRINCIPAL BOND FUND in clicks

shouldnt mixed/balance moderate risk compare to equity? from fsm&clicks, overall mixed/balance 25%, bond 10%, the rest equity.
not sure the best ratio diverst


2 fund houses cimb and osk

This post has been edited by kangwoo: Mar 31 2013, 03:20 AM

Icic.. I dont have tax liability in Malaysia, I have 0 KWSP contribution

u pay tax in SIN ma.. u got their equivalent EPF (CPF if not mistaken)...