some FD is > 3%p.a

try read this for Switching of funds in FSM
http://www.fundsupermart.com.my/main/faq/faq.svdo?id=8922
up to u to set the limit for switch.....individual preference
some say 10%, some say 15%...all up to you
some rebalance based on mkt valuation

GEM VS Asia X Jpn, which one got more upside potential?

aiyah you don't have ah?
mine say almost similar leh/
http://www.fundsupermart.com.my/main/resea...?articleNo=3695

The portfolio consists of 75% bond funds and 25% equity funds
US dollar and global bond funds are included to lower the portfolio’s overall risks
Global equity funds are included to enhance long term returns
Annualised Returns* 6.27%
Annualised Volatility* 7.88%
Best Year Returns^ (From 2001 to 2013) 28.1%
Worst Year Returns^ (From 2001 to 2013) -18.97%

noticed the -ve

This post has been edited by yklooi: Aug 20 2013, 11:07 PM

same, same here eventhough I experienced before, but because of age and commitment now,,,,not sure how I react also.....

then every US assets class will have high PE...then lead to burst...then come back here lor!!

just my opinion.....(others may not agree)
do you trust FSM analysis? if yes, try study this 1st, http://www.fundsupermart.com.my/main/resea...tarRatings.svdo,
then refer to each of the fund factsheet/ annual reports to see where the fund allocate the money to where and how much by %
I suggest you use excel to formulate.
then decide where and how much you want to allocate (or review your allocated % in the portfolio)
example, if after added the countries of fund allocation and you find the it is HEAVY on Malaysia, if you like you can increase the % of money, if you don't like Malaysia you can reduce the % of money to reduce the diversification in your portfolio.

based on the region star rating...GEM is better than US....but you need US in the portfolio and you have US exposure thru AGE.....you just need to decide how much you want US exposure....

geeee, just repeat what i learnt thru postings by sifus in this thread..
for those newbies...after they read what i posted, they will think that i am sifu....ha-ha if only they knew, that i am just like them

There are bound to be pullbacks and crashes in in the stock market in the future. That’s just what stocks do.
As for those who cry that “The sky is FALLING!” each time the market plunges, I’ll leave them with an anecdote regarding one of America’s most prominent bankers, J.P.Morgan.

Reputedly, Morgan was once asked what the stock market will do. His reply? “It will fluctuate.” Wise words indeed.

found this just now,...good read if you are not ready for the plunges or screams at every bumps/dips.....review your investment choice, if cannot stomach this....."It is not uncommon at all for the STI to decline by 20% or more"
http://www.fool.sg/2013/08/21/three-facts-...s76yhocs0070001
(click refresh, if prompted to sign up)

This post has been edited by yklooi: Aug 21 2013, 12:07 PM

have you guys checked your FSM portfolio today?
mine...-1% from yesterday's closing....for reits and whatever linked with Asia, bonds and balanced

Y? mind to share?

Malaysia cuts GDP forecast in sign of Asia stress. Published on Aug 21, 2013
Malaysia slashed its growth forecast on Wednesday, highlighting challenges facing Asian economies as China slows and investors anticipate a scaling back of extraordinary monetary stimulus in the US Bank Negara Malaysia, the country's central bank, said it expects the Malaysian economy to grow between 4.5 per cent and 5 per cent in 2013.

The central bank had earlier forecast growth of 6 per cent

http://www.straitstimes.com/breaking-news/...stress-20130821

by providing no details of yourself,,,,i guess not many people can build a simple portfolio for you without harming you.
guess you need to diy......
try this...
https://www.fundsupermart.com.my/main/inves...ntportfolio.tpl

click on the various tabs 'Conservative" to "Aggressive" and read the "portfolio objective" and "suitable for" to see which one can suit you.

this also helps to supplement your portfolio buildings:
http://www.fundsupermart.com.my/main/resea...?articleNo=3744
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo

just a note:
The more years between today and your retirement, the more years your money has to grow. You have to keep in mind that you are fighting inflation when you are planning to retire. In other words, if you don't invest your money to outpace inflation, it won't be worth as much in the future.
The older you are when you start, the more risk averse you will have to be. This means that you will likely use guaranteed investments such as debt securities, which have lower returns. By contrast, if you start young, you can take larger risks for (hopefully) larger gains.
The earlier you start learning about investing, the easier it will be to pick it up.
Good luck! and try to built a portfolio that does not burden you and will let you sleep peacefully at night......"Hakuna Matata"

This post has been edited by yklooi: Aug 21 2013, 10:31 PM

HSAO 1 week dropped >4%

AGE 1% of portfolio
now US is 0.5% will be aiming 5% US.....

NEW YORK (CNNMoney) August 22, 2013: 7:49 AM ET

It looks like the recent losing streak in stocks may finally be broken Thursday.

U.S. stock futures were all moving higher, up by roughly 0.3% to 0.6%.

Every now and again something happens in the market that could provide good buying opportunities for us long-term investors. We are currently experiencing one of those special “moments”.

The headline in today’s Business Times says it all: “It’s a RRRout as rupee, rupiah, ringgit get hit.” It seems that international investors are falling over each other as they indiscriminately bail out of emerging markets.

I suspect these might be the same international investors who piled into emerging market assets when Western central banks were force-feeding them freshly created dollars, pounds and euros.

But as the financial broadsheet also pointed out, Asia is not in dire straits. In fact when nervous investors chaotically sell shares, it can provide a good opportunity for discerning private investors with greater local knowledge to cherry pick shares on the cheap.

If you believe, that investing is about buying good-value assets at knock-down prices, then now could be a good time to trawl through the markets.
The flow of money can impact the market value of assets such as shares. But what it cannot affect is the intrinsic or the underlying value of the asset. Our job as private investors is, therefore, to seek out shares that are selling at below their intrinsic values.

WANNA play Catch a Falling knife??

Good read for those have S'pore stk trading a/c...some tips?
http://www.fool.sg/2013/08/22/singapore-blue-chip-bargains/

$$ have to go somewhere.......and I believe it will be US & Euro too.

CIMB Principal Global Titans Fund
US 42.6%
Euro 35.68%
Japan 12.48%

Risk Statistic....Beta 1.03, information ratio 0.02, Sharpe Ratio 0.54...is these GOOD?

http://www.fundsupermart.com.my/main/admin...etMYCIMB010.pdf

This post has been edited by yklooi: Aug 22 2013, 10:58 PM