Thanks Uncle Looi

Some ppl don't bother to read older posts to search for info
Hope that UTs can help u achieve your retirement financial needs

I am here to learn, share information on investing and gain market outlook. No right or wrong.. I think if you stick with your plan and follow it, you will see results. But of course, if market slumps, everybody will be affected la. When that time happens, stay focus and stick to the plan.

Well, saying is easy.. when actually experience it, gawd knows what I will be doing. Maybe sell low and buy when high..

Conclusion, stop speculating. Keep significant cash in case market drop. 

Golden words

UT portfolio, I'm only keeping 10% cash cos my portfolio is balanced 50/50, slump in equities should be more or less countered by bond rally

for investing, to me, there's too many variables - thus i took an idiot-proof method of:
a. overall control structure (Asset Allocation and forced re-allocation triggers & amount )
b. 2 methodologies
+programmatic (DCA / VCA) so that no fear/greed to cloud my simplistic mind
+opportunistic (trend/value) to satisfy ego/hunger for tweaking
c. split my estimated quarterly & yearly resources between the two methodologies

To avoid panic, you need a written plan. You need to identify the signal for a market crash and monitor that frequently like every day. When the signal come up, execute your plan to the letter. If you don't do this, when the crash come, you'll panic and act irrationally.

yklooi.. you have had few times experience on major downturn. Can you share with me roughly it takes how long from peak of KLCI index to drop 10%, 20% then to rock bottom?

I am putting a FORCE rebalance to a defensive portfolio (20% EQ, 80% FI) if my peak value in my portfolio to drop 15%. Not sure if this figure is reasonable?

There are a number of ways to get the signal(s), some complex and some simple. I'm not going to mention the complex way as I'm not interested in them. I'm a trend follower, so I just look at price action. A simple one is using monthly moving average (MMA) of the US stock market. I like to use SPY ETF as I trade this regularly. SPY is the ETF for SPDR S&P 500 index. If the 10MMA cross below 20MMA, the market is in trouble. Looking at 2008, it cross in June 2008. There are other indicators to confirm this or even provide early warning such as MACD and Slow Stochastic (SS). SS even provide early warning as early as Jan 08.

As for the plan, it is as complex or simple as you want it to be. Simple one like
1. Liquidate all equity in KLSE & US stocks. 100% cash in standby etc.
2. Rebalance UT to 80% fixed income etc.

Then you need re-entry signal. Can use the same indicators such as 5MMA cross above 10MMA with confirmation from MACD & SS etc.
1. Buy 10 lot of XYZ stock etc.
2. Rebalance UT to 80% equity etc.

You need to write down the plan and execute. Don't hesitate and make emotional decision. Don't keep a stock just because it is making tons of profit and you are getting good dividend. Just sell it and wait for price to fall and start to recover before getting in again.

That is simple explaination on looking at signal and execute your plan. Don't blame me if you sell all and the price keep going up 

Bottom line - IMHO, it's our "personal economy" that we shd be triggered, NOT the world's or markets' economy triggers.

eh - BOMBASTIC ka?
simple common Yinglish lar - bombastic will mean i bring out shake(my)spear thee thy thou spake etc 

Pink is a big shark also. Rebalance one when the other one rose and cause his portfolio to be 'out-of-balance'

I would like to know all sifus here invested UT for long term investment.
Did anyone of you doing short term trade to make profits?

So u didn't invest in stock market?
Just fully focus in UTs?

4 Truths To Follow To Increase Your Market Returns
When it comes to your investments, if you feel your emotions are getting the best of you, come back to the following truths:

Dividends leh...

Yen weakening is good for Japanese companies who have large overseas business. Automobile and CE manufacturers will benefit a lot of it!

This will also bring good sentiment to Japanese equities.

Apek, lu sudah bersara, masih mau thrill?

Lu mau thrill, adik bawa lu pergi pub peluk amoi

I am interested in Infrastructure. What makes you interested as well?

+1

how does it compare to the PM's telco n infra fund ? except the exclusion of reit