Excellent... Not many can afford to follow what uncle been done before. Option to access those good and profitable stocks is via UT.

Addressing your first paragraph, I view it as 2 seperate scenario. "Right" re-entry price, now.. Would you buy in a US fund now.. I'm VERY SURE it will drop further. So what opportunity cost? I would wait rather than making a loss you know will happen and average down again. Maybe that's me.

Your concern is WHAT IF you set your targeted return too low, and you sell way too early. Thats each to their own right? Some intend to hold long term like you, someone like me like to hold 3-4 years max, and some short term. Yklooi didn't mention UT, so short term does apply here. Same goes to selling. Some drop 10% and they cannot take it, you cut loss. Some like us we average down.

Once again, I believe there is no yes or no answer here. Some may be greedy and set higher return, some may set lower. For example, last month when HSAQ was at their highest, some people may opt to lock their profit. Some may choose to hold. In the end, they profited from it while we are still waiting for it to goes back to that level.

That's why I mentioned that people can revise their intend cut lose point and target return along the way. Correct me if I'm wrong, Pink.

thks for the advise..yes it is true, the hidden charges in UT would "EATS" a lot in the long terms
i tried PBB many years back when it was RM 7...it then when up to RM 8.80, i sold all....i guess it was the staying power that i lacked....maybe it was the GREED that i see profits in just a few months....lesson learnt....if you cannot control yourself from greed for profits,....go for those that are not so aggressive...is there any way to overcome /improve on this?

then lagi pening....  
anyway,...will be studying to reorganizing my portfolio will try to cater US, Europe, Asia ex Jpn, Japan, Emerging Mkt (5 catergories) and will go to Eq 80% (for this 2 years)
I selected this due to the correlation of returns.....any suggestions? anyone?

Finally we have a common ground.
I'm accumulating dividend stocks too currently, UTs still have a place in my portfolio for diversification. Aiming for stocks 50/50 UTs portfolio for now.

Wow.. going 80% in EQ in 2 years time? I thought you are approaching retirement age? Can take the risk?

just curious, after how many % drop did you switch to MM?
how do you determine/decide which funds are to be switched?
and how do you decide when to move back in?
and to what asset class?

it was in FSM SG, then i guess it was for UT. got different?
OOPS,...maybe it should best be applied to stock trading....of UT is longer terms investing.
if removed#4, can it be applied to UT?

Do we ever cut loss in UT? Most would buy and hold and perform DCA/VCA when down. Profit target? Would hold long term, so IRR target count as profit target? I think hafiz (?? sorry forgot his name) from CWA Penang have profit target.

Addressing your first paragraph, I view it as 2 seperate scenario. "Right" re-entry price, now.. Would you buy in a US fund now.. I'm VERY SURE it will drop further. So what opportunity cost? I would wait rather than making a loss you know will happen and average down again. Maybe that's me.

Your concern is WHAT IF you set your targeted return too low, and you sell way too early. Thats each to their own right? Some intend to hold long term like you, someone like me like to hold 3-4 years max, and some short term. Yklooi didn't mention UT, so short term does apply here. Same goes to selling. Some drop 10% and they cannot take it, you cut loss. Some like us we average down.

Once again, I believe there is no yes or no answer here. Some may be greedy and set higher return, some may set lower. For example, last month when HSAQ was at their highest, some people may opt to lock their profit. Some may choose to hold. In the end, they profited from it while we are still waiting for it to goes back to that level.

That's why I mentioned that people can revise their intend cut lose point and target return along the way. Correct me if I'm wrong, Pink.

UT is still a good tool for investment that retail investors has no access to.
Like Bonds, foreign stocks and commodities.
Just need to watch out on the investment cost.

Addressing your first paragraph, I view it as 2 seperate scenario. "Right" re-entry price, now.. Would you buy in a US fund now.. I'm VERY SURE it will drop further. So what opportunity cost? I would wait rather than making a loss you know will happen and average down again. Maybe that's me.

Your concern is WHAT IF you set your targeted return too low, and you sell way too early. Thats each to their own right? Some intend to hold long term like you, someone like me like to hold 3-4 years max, and some short term. Yklooi didn't mention UT, so short term does apply here. Same goes to selling. Some drop 10% and they cannot take it, you cut loss. Some like us we average down.

Once again, I believe there is no yes or no answer here. Some may be greedy and set higher return, some may set lower. For example, last month when HSAQ was at their highest, some people may opt to lock their profit. Some may choose to hold. In the end, they profited from it while we are still waiting for it to goes back to that level.

That's why I mentioned that people can revise their intend cut lose point and target return along the way. Correct me if I'm wrong, Pink.

Assuming invest PBB stocks is considered invest direct, also
assuming invest via Public Mutual is considered invest INDIRECT in stocks.

PM is fully owned by PBB. So when u pay 5.5% initial charge and all the annual charges to invest, PM make profit and this profit contribute to PBB investors without fail, so PBB investors make money from selling of UT indirectly by PM. That is why I like to be as a PBB direct stock investor, every time some1 buy PM funds, I "share" the profit.

Similarly, FSM is owned by OSK Investment Bank Bhd and a foreign party...if FSM making good money, I will rather invest in OSK Holding's stock in Bursa.

switch to other asset class can be considered as cut loss?
switching to other asset class/region where mkt valuation is "cheap" when one feel that the current invested region/class have too high mkt PE valuation can be considered as profit target?

I think it depend on individual interpretation. For me cut loss means selling it back to cash. My portfolio IRR calculation will always include the losses I made on every funds that I ever own, so I'm still carrying the loss. If I sell to cash and then reinvest again, it is a brand new investment with a fresh IRR calculation. For profit target, one would sell/switch if reach target to lock the profit, but switching because the other funds have better return potential...  I would not consider that as reaching profit target but more on portfolio rebalancing/adjustment.

i saw newspaper say next year interest rate hike, wat kind of impact might have? is it interest rate for loan?

Finally we have a common ground.

I'm accumulating dividend stocks too currently, UTs still have a place in my portfolio for diversification. Aiming for stocks 50/50 UTs portfolio for now.

I think UT is not suitable for short term investment, best to do that with stock. If you can time the market with UT, you can do that with stock market as well and with better return. My money once invested in UT never go out, always in UT as it is for my retirement. I have stock market for short term trading/investment.

hey me too   which stock is in your target list now? m looking for stocks with consistent 6% dividend.

my current Stocks to UT portfolio is around 70/30.