IMHO China funds can start to enter now

Whereas for RHB GS US, buy little by little, buy on dips

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? 

what did you guys do to your funds during the 2008 economy downturn ? Sell off your fund , average down or just hang in there? anyone think the next downturn is coming soon?

I know how to differentiate ROI and COCR.
AS1M can't be pledged for OD facility.
I got 8% pa return due to active monthly and quarterly monitoring and switching, otherwise I expect I will only get 4% pa in average. As for other investment I don't hv to do that.

We can go on and on because property and UT is 2 different investment. Each has its benefits and weaknesses. All depends on personal preference. If really want to compare, property is also not the investment giving best return. Some business can give 1000% return per year. Property is nothing in comparison   

We should leave the discussion because it is a thread about FSM. Just like 1 week ago someone went to FD thread and question the FD player how they can beat inflation. That fellow thought those FD players didn't know there are higher returns elsewhere Likewise, it is not appropriate someone go to the Foresta thread and say some other projects can give better returns compare to Foresta.

found this forummer at FSM SG: NthDimensions posted this:
#Quote# I think more importantly, you have to ask yourself, what is your game plan?
1) how much losses before cut-loss?
2) will you ever cut loss? or just hold and wait?
3) how much % profit is your target?
4) what is your 6-months plan, 1-year plan, more than 1-year plan, if any?

and then, do you stick with your plan, or adjust it along the way if you see things not going your way, and how would you know things are really not going your way, or is it just a temporary hiccup, do you hold and wait?

it's really your game plan, according to your character, that determines the outcome.
what works for someone else, may not work for you. #unquote#

WOW, that really got me thinking.......

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?

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.

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?

Cut loss, or more specifically stop loss in trading terminology is quite specific in meaning.

Cut loss/stop loss means that when you sell (or buy, depending on the instrument), you set your losses in concrete. If you had not sold/bought, your losses are only on paper, and you recoup your paper losses when the instrument recovers. If you had sold before the instrument recovers, your losses remain as losses no matter what.

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.

wahlau.. FSM platinum means 3/4 of a million cash. Somemore got properties, cars, stocks, gold, forex.. hehehe

Today I am blur, talking nonsense!

You mentioned that you have read an article that it's very optimistic that DJIA could hit 20k mark soon.

Where's the source? By when the article said that it could hit 20k mark? Any reasons or grounds on that? I'm just curious to know.

About 30+% of his portfolio leh.... that's a huge sum even for him. 

We see in the coming months whether his bet made him richer or poorer.. most probably he will have a cut loss if that happens.

How old are u?

Are u working? Or student? Do u have steady monthly income?
If u got no income, better to split your 20K, perhaps over 6 months or 1 year.
If u got income, u CAN lump sum in, then top up monthly.

I'd suggest 50% KidSave, 25% Hwang and 25% Kenanga.

Becos KidSave is 50% bond. So, effectively u would be 25% bond, 75% equities if u follow my suggestion.

But being a shark himself, he probably have ways to make the market go down

usually what payment method did you guys use?

I use the Maybank fund transfer, but feel bit troublesome cos i gotta scan and email to them the payment slip...

haha.. dont have that much to transfer!!

It is just the reality of whats happening... it might be just a small bump or massive bloodshed, it is too early to tell. But the market is still not really panicking yet.

Stay the course and buy on good valuation, but pace yourself so you don't run out of ammo. As an investor, you must stay the course, never get greedy and never give in to panic. I have not sold a single UT, but I am buying slowly...

Heart must be steady...