I am trying to digest this.

Sell most bond winners and move to worst performing equity.. because bond went up during the period and equity dropped. Why you want to put in best performer?

Pink Spider Please give these people the portfolio balancing theory lesson? 

No not 1 fund, but several... i place >50% in pacific ex japan and some in US, china etc. More or less equity is >80%, You think leh?

Whole portfolio is about -45% lar at the worst period.

Even at -45% loss you still invested right? Do you cash out partially or keep topping up?

Always start with a Target Allocation
e.g. 50% equity, within which 10% Malaysia, 10% Asia Ex-Japan, 30% global + 50% bond

If equity dropped, e.g. to 40% of your portfolio
Malaysia become 9%, Asia Ex-Japan 7%, global 24%

U take out money from bond to top up on equity funds to make it become
50% equity, within which 10% Malaysia, 10% Asia Ex-Japan, 30% global + 50% bond again
I.e. u will top up most on global, a bit on Asia Ex-Japan and a little bit on Malaysia

That's the basic.

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

Why hard? Like my case IRR 7.8% but 1 fund is bringing it down. But I stay invested nonetheless. In simple words, if your other funds can cover your losing fund loss, top up the losing fund. That is Pink and gark theory.

Always start with a Target Allocation
e.g. 50% equity, within which 10% Malaysia, 10% Asia Ex-Japan, 30% global + 50% bond

If equity dropped, e.g. to 40% of your portfolio
Malaysia become 9%, Asia Ex-Japan 7%, global 24%

U take out money from bond to top up on equity funds to make it become
50% equity, within which 10% Malaysia, 10% Asia Ex-Japan, 30% global + 50% bond again
I.e. u will top up most on global, a bit on Asia Ex-Japan and a little bit on Malaysia

That's the basic.

Sell most bond winners and move to worst performing equity.... because bond went up during the period and equity dropped. Why you want to put in best performer? 
Pink Spider Please give these people the portfolio balancing theory lesson? 

but my bond also drop during that period..but not as bad as Eq.
no matter what i still have to rebalance the portfolio by selling the bond and topping up the other asset class. i think i get it

"Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves."- Peter Lynch

"I can't recall ever once having seen the name of a market timer on Forbes' annual list of the richest people in the world. If it were truly possible to predict corrections, you'd think somebody would have made billions by doing it." - Peter Lynch

"'Market timing' is unappealing to long-term investors. As in hunting deer or fishing for rainbow trout, investors have learned the importance of 'being there' and using patient persistence -- so they are there when opportunity knocks." - Charles Ellis

"The only value of stock forecasters is to make fortune-tellers look good." - WB

"Do you know what investing for the long run but listening to market news everyday is like? It's like a man walking up a big hill with a yo-yo and keeping his eyes fixed on the yo-yo instead of the hill." - Alan Ebelson

you will head to your doom by being greedy.
I target only 8% return yearly...on average ... over very very long term.
Have a realistic target and you will not stress over it too much.

  i was planning to hv a return of 8+4% pa
the 4% was to be reloaded into the portfolio to cater for the inflation...8% is the annual expense...
any way for a portfolio to do that?

But crash and burn if you are unlucky..

U have to do it yourself.

1. Look at your funds' latest monthly fact sheet, here u can see the geographic allocation for each fund
2. Do your own chart

E.g.
Your portfolio size: RM10,000
Fund A: 70% Malaysia + 15% HK + 15% SG, and u hold RM8,000 in Fund A
Fund B: 80% USA + 15% Europe + 5% HK, and u hold RM2,000 in Fund B

HK exposure in your portfolio: (RM8,000 x 15% + RM2,000 x 5%)/RM10,000 = 13%
GEM underperformed lately, and if you look at the charts for Russian and Brazilian equities

Pink, enlighten me here as I'm trying to calculate my geographical allocation for PGSF and HSAQ. But can't seem to find the it in the fundsheet.

http://www.fundsupermart.com.my/main/admin...eetMYPMFGSF.pdf

Btw for HSAQ case, if 12.5% is in cash and cash equivalent, my total calculate portfolio would only be 87.5%. It wouldn't tie back to 100%.
http://www.fundsupermart.com.my/main/admin...heetMYHWAQF.pdf

https://forum.lowyat.net/index.php?act=Atta...post&id=3446244
See my chart, I also have a part for cash

As for PGSF, they dun have geo allocation on monthly fact sheet. I just take their latest annual/interim report geo allocation

Eh, not updated want right? Hahahaha!

My PGSF is ~-3% already. Yours should be worst I think

Hi All,

Yesterday I listened to a Public Mutual agent explaining about the product etc and went to read up on it here through the PM thread and read some commenting on the high SC etc.

Saw quite a number of ppl talking bout FSM. I would like to know, how easy or hard is it to DIY UT investing through FSM vs just paying the SC for an agent to do it for me...?