u are right for the 1st part. but I think you will need to monitor some items too like,
the crime rate in the area,
the type of people building up to live in the area,
any new property development coming up in the area that could be + or - impact
and many things else....
else one might say "OMG what happened to my properties in just 2 years while I slept". ha-ha

Investing boring? Good, you're doing it right
http://www.marketwatch.com/story/investing...ight-2013-05-02
......the most effective long-term investments are the most boring — low-volatility stocks and indexes, sleepy collections of bonds and portfolios that don't change for months.....Break out some play money in a small account if you feel the need to get your blood pressure up. Or put your brain to better use by taking up a new sport or pastime instead.
Any sifu know where?

I rather have more exposure in US then

pink's favorite OSK-UOB GEYF @49% US then?

For global it's either AGEF/GEYF or the Aberdeen Kaka mentioned a few pages back.

I think there will be a hiccup in the US market for the new few weeks. Trying to find the best time to enter.

I guess, there will always be "hiccups" in the US and so are the rest of the world......there are monthly economic data coming from US and China and (Europe too) and they are scheduled not far apart....and now the much anticipated "tapering".....then later I guess they will news the amount of taper effect....then later the positive / negative sign of taper off and so on and on......I think they are there to "move" the markets.
so I guess there will NEVER be a "Best" time to enter
just like David83 said yesterday, "monitor for "dip" opportunities".

my current dilemma is to whether to enter for this 1%sc or wait for after the announcement of start of "tapering".....cos the start is actually good, it is only the possible negative reaction....and this reaction maybe even more than the 1%Sc. but the "hints' of tapering in 22 May may already taken some of that risk away.....what if there is no dip opportunity then....or worst may hv missed the boat too.... may well just hv to toss the coin before the end of this promotion then.

This post has been edited by yklooi: Aug 9 2013, 09:34 AM

For full US exposure, you may want to consider RHB-GS US Equity.

ABERDEEN ISLAMIC WORLD EQUITY FUND - CLASS A has 17.6% in US market.

This post has been edited by David83: Aug 9 2013, 09:35 AM

I just dun like RHB...dun know why though...maybe it is jus the name..hv to psyco my mind to focus on diversification instead of "likes" for a while

Where?
U mean past time? Puchong & Sunway Mentari plenty - Pink's the expert

ok ok back to the topic, else moderators nuke me
Anyone here ball-sy enough to go gung-ho and buy/sell to hit a planned Asset Allocation just like that <snaps fingers>?
ie.
say from holding 80% of bonds/cash VS 20% equities,
then just buying/spending down bonds/cash
to hit 30% bonds/cash VS 70% equities?

Personally, my nuts aint made of steel, thus i just whittle-down / re-allocate towards my targeted % within 6 months (if my held % is off by 25% of planned)
ie. plan 6 mths to execute extra purchases/SWITCHING on top of my quarterly die-die value averaging + dollar averaging
Then after the 6 mhs, review again and see how much more if it is still off by 25%

Just thinking any better ways yet not balls-to-the-wall gungho oneshot rebalance?

Pardon for the wrong use of word - 'best'. I should use opportunity.

I have the same dilemma as you when I wanted to buy AGEF due to the SC. Probably gonna enter the day the tapering news release in Sept.

Not sure about Puchong. But a lot of those standing beside the road I saw in Mentari is not exactly girls. Hahaha..

Do you not rent out your property? If you do, managing renters can be just as troublesome. Confrontations over slow payment or unpaid rent, property damage, snowballing utilities bills, negotiations over rental rate increases, maybe worrying about tenants sub-renting rooms to others you don't know etc.

I am now slowly structuring asset allocation of my portfolio in accordance with risk appetite. Once this is achieve, I'll allocate say 5% for paly money namely derivative market aka warrant play.

I shall achieve my above objective by CNY-2014. Then it is play time baby, play time.

Xuzen

All the above listed can be solved by signing a agreement with the person you rent your property to. U dont need a lawyer, juz Rm15 for the stamp.

The only downside about property investment is that u need bigger capital compare to UT. Well u can start UT as low as rm500, but as of property if u dont have rm50k then dont even think about it, and with that u still need to calculate for bank interest to see whether your investment is worth of all the bank interest u are paying

Oi

It's always easy to act when you're losing, but not so easy when you're winning. Greed - "Aiya, what if there's more to come?!"

But it's a feeder fund into Goldman Sachs US fund.

i am referring to the property under construction purchased from developer.

some of the concerns mentioned also applies to new project under construction, + possible interest rate hike + http://www.consumer.org.my/index.php/devel...lawless-country

what I am saying is should not leave any investment unattended for 2 years,...because it is your money.

This post has been edited by yklooi: Aug 9 2013, 02:56 PM

Contracts can't help you if you get a bad tenant. Maybe you've always had good luck and have good tenants, I have experience with bad tenants before. Even though the tenants were arranged through real estate agents and have signed contracts, it doesn't really help you if they won't pay up, won't pay on time or cause problems. Sometimes even if you have decided to evict them and want to cut your loss, it can be difficult. What can you do? Call the police? Sue them? Like I said, very troublesome.

I can cite many examples. A friend's house rented out to a business owner through a real estate agent. Ended up not paying a single month's rent after paying for initial deposit. Went to the office to complain many times, business owner even wrote postdated cheques that bounced, ended up running way with six months rent in arrears. One house rented out to a company, they ended up filling it with many illegal immigrant workers, caused many problems and complaints from neighbours etc. My father in law has a shop office that keeps changing tenants. A new tenant comes in, rents for 4 to 6 months, the business fails and then runs away. He keeps complaining that the real estate agent earns more from the property than he does.

Yes, these problems can be solved but they take time and effort. I only mean to say that it is not true that the only downside of property investment is that it needs more initial capital. All types of investments have different risks, effort involved etc. This is why these days I prefer to invest in REITs and unit trust funds. Less troublesome, no need to constantly follow up on tenants, trouble with maintenance and utilities, etc. Note: I currently have three properties rented out: a condo, a low-cost flat and a house in Shah Alam. But my investments in stocks either directly or through unit trust funds still exceed the value of my property investments.

what I mentioned is invest in the property for capital gain....
All the above that u mentioned in rental property are manageable.

I have vested in Mutual funds for > 10 years. In average I would say, Mutual fund returns are not that attractive compared to my property portfolios.

I started to invest in Public Mutual since year 2000, became Mutual Gold member in 2005, and then to Mutual Gold Elite.
I started to invest thru Fundsupermart in 2006, by opening an account in their Hong Kong branch when FSM hasn't been opened its branch in Malaysia.

This is just my personal experience.