Depends really, if
(i) your holding period is not that long
(ii) you sell a bond fund to raise cash i.e. not doing intra switching, later buy back into bond fund be it the same fund or different fund

Then platform fee would be better than sales charge.

Added for clarity

To add, not too many funds that can consistently outperform for that many years, cos fund managers come and go.

U may hold ABC Income Fund for x no. of years, then u switch to XYZ Bond Fund that is managed by a different fund house. In that case, u will incur fresh new sales charges (if u invest thru other platforms).

creativ sounds like a PM agent

Anyway, I don't look at the annual management fee if the past historical performance shows solid returns

No. I think he meant the case when PM ppl market their funds like this >>> "PM funds returns BETTER than EPF"

Last time when PGSF in the basement u guys hated it?

Beware of switching just when the wind is about to change...

Like I've said before, Mr Market could remain irrational for longer than your ammo can last...

Asia ex-Japan may offer great value, but Mr Market is still not buying into it.

So, how u "balance" your equity exposure?

For now I'm sticking to Developed 25% Asia + Emerging 75%

No, but from US/Europe to Asia.

Recent months Asia has been ding dong-ing, while US and Europe strong. It's about time?

Oops, FSM has been saying that for some time, until they also gave up on Alliance Global Equities and PGSF and bought into RHB-GS US fund

This post has been edited by Pink Spider: Nov 7 2013, 10:11 PM

Actually I just dumped RM100 into Ponzi Quantum today

HSAO is now 8% of my equity funds, I've already stopped topping up on it, while topping up on other funds from now and then. When it dropped to my targeted 6% of my equity funds, I'd reevaluate its position in my portfolio again.

I think if I were to dump HSAO, I'd look at AmAsia Pacific Equity Income.

This post has been edited by Pink Spider: Nov 7 2013, 10:27 PM

Leave the large caps to Eastspring Investments GEMF, Pacific GSF and OSK-UOB GEYF

Aiks, how come I missed that

Malaysian small-mid caps have outperformed lately, all the big performers in my stock portfolio are the relatively unknown small-mid caps

Nvm lar, I can always adjust the balance between HSAO and HSAQ, free switching mar

Looking at the risk-reward measure, HSAO is indeed not as good as HSAQ. Hence, my allocation 6% on HSAO and 14% on HSAQ.

Overall my target allocation:
35% Eastspring Investments GEMF
6% Hwang SAO
14% Hwang SAQ
30% OSK-UOB GEYF
15% Pacific GSF

But sometimes I had thought, 6% is too small, why waste time on it? Might as well leave Asia large caps to Pacific

This post has been edited by Pink Spider: Nov 8 2013, 01:29 PM

Pacific has always been overweighting Asia ex-Japan large caps if u look at their recent annual reports. US+Europe+Japan have almost never exceeded 1/3 of their overall exposure.

AGEF's country exposure is a lot more rigid. Pacific GSF is more flexible.

Xuzen,

Your analogy is flawed for several reasons:

1. I also got INVEST in KLSE stocks, and I buy buy buy and very rarely will I touch the "sell" button
2. With unit trusts, I buy buy buy buy buy and almost will never click the "sell" button unless to switch to a different fund which I think will have better potential

With "robotic" DCA approach, u will top up e.g. on every 15th of the month. My approach is a little bit different - I still top up every month, I top up less (or nothing at all) if the month has seen a super equity bull run, I top up more if it has been a bearish month; and I top up when market is gloomy, not on a fixed date of the month.

Pinky

This post has been edited by Pink Spider: Nov 10 2013, 11:52 AM

Hwang SAQ vs EI Small Cap
Aberdeen Islamic vs OSK GEYF
OSK Equity Trust vs AmAsia Pac EQ

These 3 are quite close to each other

Yes, IMHO u should dump 3 of these 6.

If u ask my opinion, I'd say keep the bold ones.

kate 81 something

I did not like it bcos it's hard to find detailed info on its underlying holdings.

CIMB GT is a Feeder Fund, right? I go to Principal website...it's like a maze to me

A good example would be Alliance Global Equities...it feeds into Fullerton Global Equities. I can find info on the Fullerton fund easily.