My balancing is less rigid, depending on bullishness, i do alter the bond %... Bit more difficult, so don't follow.

During super bear period, my bond can go to 0% one...

This post has been edited by gark: Jun 10 2013, 11:08 AM

Here is some quotes of trying to time the market...



Peter Lynch is one of the best fund managers which has beat the S&P for 20 straight years.
This post has been edited by gark: Jun 10 2013, 11:16 AM

Can... take more risk loh... heavier allocation for higher risk equity

But crash and burn if you are unlucky..

This post has been edited by gark: Jun 10 2013, 11:21 AM

Pffft.. only -1.7% only ah?

I won't care much until it drop at least 10% lar... seems like you are emotionally not suitable for investment.

I would STRONGLY suggest you sell all of your UT and place in FD.

This post has been edited by gark: Jun 10 2013, 12:30 PM

Am Dynamic is facing bonds selldown headwinds... It will not repeat it's past good performance like 1-2 years back.

This post has been edited by gark: Jun 10 2013, 12:32 PM

Please sell all your UT and place it in FD. The way you look at short term gains, you are not suitable for higher risk investment.

Sell down until you can sleep better. Why lose sleep over money....?

This post has been edited by gark: Jun 10 2013, 12:33 PM

IF you are really on the long haul, why you bother/worried/emotion with a measly 1% loss within 1-2 months?.

Cakap tak serupa bikin...

I really think you should switch all to FD.. otherwise you cannot stomach the ups and downs and get emotionally upset once the REAL downturn emerges. Otherwise facing -30% loss, you go jump from building how? So better switch to FD.... it might save your life...

This post has been edited by gark: Jun 10 2013, 12:40 PM

If the funds takes 5-8 years to recover.. can you take the emotional hit that long? Or can you survive that long with less income? Do you dare to put more in during a severe downturn?

These are things to be consider when preparing the portfolio allocation.

This post has been edited by gark: Jun 10 2013, 12:52 PM

No one can predict future, and past patterns are not necessary can repeated again. So I don't.

Maybe there is a downturn coming, maybe not, who knows? For all we know there is a black swan event happening right now and maybe a nuclear rocket from north korea is heading to USA right this minute?

Just allocate a comfortable portfolio based on your needs. No point worrying what might or might not happen.

Rather than eating into your investment, generate the earnings and eat from that lah. Like that the funds will never finish.

I allocate 4% withdrawal rate for my FUTURE retirement funds, when i decide to stop working and eat off my savings. When near to retire already probably will slowly convert to 80% in bonds at that time... even IF market stagnant, still take me 25 years to consume all.. can live that long kah?

You don't want to end up in situation all your retirement fund go kaboom when you do not have other income..

Take risk when you are young, protect your nest egg when you are old...

This post has been edited by gark: Jun 10 2013, 03:08 PM

Read back a couple of pages.. on cut loss...

When i first start to invest.. i read everything, every page, cover to cover...

Prospectus
Annual financial statement
Quarterly report
Factsheet
Morning star
Lipper

....

now lazy already

look at factsheet, Lipper and & MS only

This post has been edited by gark: Jun 10 2013, 05:50 PM

Tat time when i first invest in UT.. year 2002.. I am still noob, UT not popular mah...and no forum guide like now... So no choice lah.. have to learn. Also that time, don't know got Lipper and MS online...

I think i read like 40 prospectus & financial statement before i bought my first UT fund.. that time paying 6.5% fee...

This post has been edited by gark: Jun 10 2013, 05:56 PM

Say already mah.. tat time still noob mah...

I actually walk to PM HQ office and ask to buy UT with cash in hand.. all the receptionist look confused and ask who is my agent...i say don't have.. they look even more confuse and then let me buy through the counter under PBBank as agent...

Why on earth you want to do that? It's the same left pocket to right pocket....

Just request a unit trust transfer to FSM... no need to sell. They can transfer provided they have the same funds...no need pay 2x management fees.

https://www.fundsupermart.com.my/main/buysell/transferIn.tpl?

Isn't this simpler...?

Then just leave it there lah... you already paid the sales fees wat. For new purchase buy from FSM only...If you need to reduce exposure, then priority sell those units at Maybank. Slowly finish sell lor.

I don't know about FSM Malaysia, FSM SG allow you to 'nego', selling the funds not carried by them by another distributor and re-buy a similar fund in FSM without sales charge (waived), provided the amount is the same.

If your amount substantial no harm, can ask the CS...

This post has been edited by gark: Jun 10 2013, 07:48 PM

Yeah.. at the peak.. Japanese stocks were PE 50x, selling at 20x book value if you buy then of course you deserve your loss as you are buying due to greed.

If you invest, make sure you do your research first. Similar as if you bought at KLCI peak of 1997, or Nasdaq peak of 1999 you will need >10 years to recover those money.

Never time the market, buy according to valuation.

This post has been edited by gark: Jun 11 2013, 10:08 AM

Of course there are reductions, but not significantly koyak lah. I don't really look at short term profit.

Asian and US bonds has been dropping like flies since last week lar...... interest rate did went up already due to bond selldown.

A little bit late to the news.

This post has been edited by gark: Jun 12 2013, 10:14 PM