That fund has been underperforming...why u did not pick the new Aberdeen Islamic World Equity?

Hwang Aiiman and Kenanga Syariah both also 100% Malaysian equity, why u wanna "buy 2 guns of the same type"?

As for weighting for different funds, maybe it's also a good idea to start with equal weighting, then as u gain more experience, u will know better on how to weigh them appropriately to construct a well-balanced portfolio.

1. U don't judge a fund over its 1-month performance
2. Told you already, its managed by the same team managing Aberdeen Global Opportunities which is available on FSM Singapore, only difference being the Malaysian fund cannot invest in sin stocks and financials.
3. U don't need to have that many funds, UT investing is unlike stock investing where u need at least 10 stocks to diversify adequately.

All Shahriah are flavour?

Cyprus problem.

Go read the prospectus of Hwang PRS, basically the PRS funds "feed" into HwangIM's award-winning UTs, at ZERO SALES CHARGE.

Wooi why put me on the table

yklooi already said that he's 50 years old and jobless, go for a Conservative portfolio of course.
No, don't touch the emergency cash. You're 50 yrs old, and you've got dependents, don't risk it. Your wife still working?

But at the same time don't leave all the cash sitting in savings account which yields meagre interest.

Give u an idea, u may improvise/change as u see fit.

- keep maybe 3 months worth of expenses in savings account
- divide the balance (4-5 years less 3 months) into 12 portions
- go to the bank, place 12 FDs. 1 for 12 months, 1 for 11 months, 1 for 10 months, 1 for 9 months ... ... 1 for 2 months and 1 for 1 month, so that u will have 12 FDs that mature within a month of each other
- when the 1-month FD matures, renew for 12 months. When the 2-months FD matures, renew for 12 months and so on

This way, your emergency cash will give u interest income at 12-month FD rate

As for the 40% cash, consider to invest in some well-managed UT funds, don't take excessive risk.

Some recommended funds for u:

Fixed Income:
OSK-UOB Income Fund
AmBond
Hwang Select Bond Fund

Balanced:
OSK-UOB KidSave Trust
Hwang Select Balanced Fund

Equity:
Hwang Select Opportunity Fund
CIMB-Principal Asia Pacific Dynamic Income Fund
Alliance Global Equities Fund

If I were u, I'd allocate 50% for Fixed Income, 30% for Balanced and 20% for Equity. That'll make it effectively a 65% bonds + 35% equities UT portfolio.

Do Dollar Cost/Value Averaging, don't go in at one lump sum. Spread your entry over 1 year maybe.

U just joined LYN forum today...just to post here?

Good things don't come cheap, if MY is that attractive, FSM won't need to give u 1% promo

Take my comment with a grain of salt