When u invest with agent who usually is your friend, relative or even part-time GF , u got someone to discuss things over, share info etc.

With FSM, sometimes it can get a bit "lonely", thus we enjoy the company of fellow investors here.

Bro Looi diversify so much?

Back to basic, let's revisit some old investment story, got 1 uncle bought 1 lot of Pbb shares per month after he get his monthly pay cheque, and he had done it for the last 20 years. Accumulated 12 lots per years for 20 years in a row. he did it consistently without fail, with the Pbb shares dividen distributions, share splits, rights issues and the power of compounded return, he has became a multi millionaires today.

The morale of story is that sometimes we don't hv to be over diversifying. Back to the example, if u think only buying pbb stocks is risky due to over concerntrate, u can replace it with other high dividend income stocks such as buying BAT/Amway for every 5 lots of pbb u buy. Apparently buying one lot of pbb per month is just an example, u may buy 1 lot every quarterly or biannually depending on one's income level. The end of the day is to achieve our financial freedom.

Not to say invest in UT no good, it will slower down your achievement of financial goals due to the higher cost involved. My 2 cents worth of comment.

My MD taught me (when I told him that I lost faith in stocks after losing money), just buy quality stocks, and live your life. Just read the financial results announcements every week or so to monitor. NEVER LOOK AT THE CHARTS.

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.

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

For those who withdraw from EPF to invest into unit trust. Remember you will only be able to use the money after 55 y/o which for majority of us that would be in 10 or 15 years time.

My guesstimate at a conservative 10% p.a. ROI for KLCI, 10 years later, when KLCI hit 5,000 pts, your decision to whether enter at 1700 pts or 1800 points, it becomes immaterial.

Stay the course, dollar cost average to reduce your risk. Stay invested.

Xuzen

coz like eg: the first initial buy is when the price is highest whereas the subsequent top up of RM100 is when the price is lowest..means my majority of fund is at the time when the price is highest? coz thats when I bought most?
or current price is actually not too hight for me to still top up small amount subsequent months

so to summarize the recent so called 0% bond charge
- not totally true all bonds are 0% charge, there are still some at 1.5% etc.
- bonds that initially 0% charge remains 0% without any platform fees
- some bonds that initially had charges eg 1.5% has now been lowered to 0% with platform fees of 0.05% per quarter

Ponzi fund is hammering me! 

World equity on hit as expected. Shopping time perhaps

ABERDEEN ISLAMIC WORLD EQUITY FUND - CLASS A dropped 1.6% from recent high (September 30th)!

Moar red for Dow and S&P 500...preparing ammo

Too bad I'm applying!

Don't worry. US closed green yesterday night. Today, Asian and European markets are doing well.

Debt Impasse could be settled with Republican Offers 6-Week Debt Cap Without Add-Ons

DJ up 2%