still young so its okay to take the risk
what do you think? hehe.

btw i decided to put 80% into kenanga. maybe in one or two months later i consider 3rd fund. now is just my 2nd month in unit trust investing, 4th month working. sorry for my noobness!

This post has been edited by Michaelbyz23: Mar 28 2014, 02:38 PM

Same situation like the most of us.. Opportunity cost lost, not topping up as market valuation is too overvalued. Lots of spare cash hanging around ie: just putting it in FD. Well, at least still can earn a humble 3%.

Why a 3,800 Straits Times Index or 16,000 Dow Doesn’t Matter

http://www.fool.sg/2013/11/27/why-a-3800-s...s76yhocs0070001

Why You Shouldn’t Care About Where the Market Is Heading
http://www.fool.sg/2013/12/24/why-you-shou...ket-is-heading/

Click refresh when prompted to sign up.

True in some sense. But a sky high index in fact shows a high PE too. Not all people like high PE "stocks".

Are you still topping up your portfolio at the current market level, uncle Looi?

Do you guys use the cash management fund to purchase your funds, or just go through the FXP method? I am not too sure on the advantages of cash management fund, other that it gives a steady 3.+% return p.a.

Only one month in FSM now, appreciate all the sharing made here by different people.

Not much spare ammo for UT eq funds. now about 85% in EQ. can do switching only to do diversification.

Isn't that good enough a reason?

whooosh,,.. what a shockers....
kidsave dropped..abt 2% in 1 day
EM Opp dropped abt 9% in 1 day.....

luckily it was the distribution .....

discounted abt 9% in 1 day..CHEAPER to buy now?
sorry....just can't help tis "make pink angry question....

This post has been edited by yklooi: Mar 28 2014, 05:19 PM

Same, I just started working 5 months ago and my first fund was Kenanga - but then eventually I managed to get a relatively diversified portfolio with my equity exposure as below:-

Equities % portfolio
Asia Ex Japan 23.1%
US 14.0%
Europe 6.7%
Japan 4.3%
Malaysia 36.3%
Others 4.9%
Cash 8.7%
Total 97.8%

wow.. you must be earning big bucks for your first job to be able to buy so many funds within short period of 5 months awesome!
mind sharing what unit trusts specifically for each geographic u bought?

closing early this month...else distribution screwed up my calculation



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heh true, maybe i'll put it there once i have started working. i am looking for a suitable PRS. since govt would make a one off RM500 additional investment to your account, once your account hit 1k.

http://savemoney.my/malaysia-budget-2014-r...ving-br1m-etc/7
http://www.ppa.my/prs/prs-youth/prs-youth-incentive/

but perhaps i should take advantage of the RSP deal for new members first, 1% s.c. for the first 6 months. since there is no sales charge for PRS (at least for cimb islamic equity and hwang aiman)

how do you get the percentage? I am getting similar report for my portfolio via MorningStar https://my.morningstar.com/ have to key in the transactions manually, but the portfolio analysis is quite detailed

I was in a presentation by a fund manager not long ago.

In his slides, he showed the distributions per quarter which looked really attractive for the whole year.

I was about to hold my hand up to ask whether that's just distributions, or it it real ROI?

He must have guessed what I was about to ask when he mumbled something about yes, yes, left-pocket, right-pocket, etc.

I didn't bother asking then, and focused on consuming the free dinner instead.

This post has been edited by howszat: Mar 28 2014, 09:51 PM

US got some good and mixed economic data...but everytime Obama starts opening his mouth and keep warning/threatening russia, us market suddenly goes red red...he should learn to not talk so much....

This post has been edited by max_cavalera: Mar 28 2014, 11:22 PM

85%!!!

That's a bit high based on your age risk adverse. Just saying.. Uncle don't angry

Market really need some BIG news now for a trigger.. I know a lot of foreign fund managers just waiting for opportunity to expand their portfolio.

Eh Pink, your RHB GEYF lately get hit hard? I forgotten how much it dropped but I don't remember it being this low.

yes I know.....for my age.....
but I am now considering my 50% FD as the counter balance
and also iFAST said.... might go to longkang too.
just 1~2 yrs, just 1~2 years...

https://secure.fundsupermart.com/main/artic...14-Outlook-9111


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