Eastspring Small Caps perform as if it was on steroid  ...

Bolehland is also under Asia X Jpn wor....
 

bro.. avoid insurance saving plan. will tie you down for so so long and only get a mere FD level interest rate.

Asset Allocation Equities:
Minimum 70% of the Fund's NAV
Liquid assets including money market instruments and deposits: Maximum of 30% of the Fund's NAV
means 70~100% invested?

http://www.hwangim.com/investment-solution...an-quantum-fund

TBH I have just started recently as well. diverted some of my ASB earnings into UT.

in my opinion, choose on a product or instrument that fits your profile.

investor : long term, unker warren buffet says the best holding period is forever
trader : short term as you'll be selling and buying more frequently.

a more passive investors would go for UT, asb, ETF.

active investors / traders can opt for stocks where the returns can be much higher. you'll need good knowledge to decide on what to buy and what not to buy. there are also some calculations that can be done to roughly estimate its future performance (IDK the formula, a friend was a stockbroker for a year, he mentioned about the formula)

as for me, with my current financial ability and knowledge, i am more suited as a passive investor.
BTW, I have made a Portfolio performance template based on unker's Pink excel file. I have included only two UTs, but it can be expanded into more. and there is also an overall ROI n IRR indicator as well.

you can copy it to your google drive, or download as the format that you guys want.

link here
Investment Portfolio ROI n IRR

I diverted a small amount only. certain UT might give a higher return, so right now in a testing period to see if it'll work.

If it indeed works, once i have started working, i'll topup my ASB loan and maintain my ASB as my main portfolio and put the extras that i might have into those UTs.

what's your opinion?