Yes, Everton vs Liverpool tonight

Arsenal 2 Soton 0

really bad timing i went in trying to benefit from my 30days 1% special fee.......As at today my portfolio showed a total loss of RM1115!! so damn fast dropping like that..........

RM 1115 of loss! You invested a large amount?

RM is meaningless...what about %?

If rm1115 = 5% lost, i assume you invested rm20,000? seems like you didnt diversify your funds?

see long term ma.. if you still got funds then put in smmore, lower down the average cost

Yeah, -5% is nothing, my portfolio once saw -25%

Try seeing this loss as an opportunity.
Optimism goes a long way, friend.

If you see this as a long term investment, you should listen to pisces88's advise too by reinvesting in this funds.

This post has been edited by Kinggnik87: Nov 25 2013, 12:28 PM

Well, true. But scare some people might misinterpret what you said and just keep topping up when performance down, down, and continue down. One must still evaluate the condition and top up accordingly. Just a small lump, don't need to top up lar

You're talking about equity only right. I have 8 in Public Mutual, 7 in my FSM account and 6 in my wife FSM account. In progress to consolidate down to 5 each for FSM accounts.

I correct my sentence, If you believe your investment is full of long term potential, then it's wise to stick with it and reinvesting it.

Hehe, sentimental funds meaning hard to sell eventhough performing bad or good

I think my threshold for funds would be to keep them for 6months to a year, depending...hard to say since it's performance-driven. When it goes up, you still wanna keep hoping it will keep rising. But if it goes down, you keep hoping it will rise again. Have to beat this mentality if wanna invest wisely, yes?

I'm not the sort that's into invest for a long period. I hope I can persevere with those I have in hand.

Pink Spider, you mentioned before about DCA. So it's just like topping up when prices seem low enough (and looking good to rise again) so that the price will be favourable over a period of time, is this correct?

IMHO 6 months is too short.

Imagine u bought a fund during the slump of 2008-2009, and u dumped after a few months. Fastforward to 2013...you'd be cursing yourself.

Investing is for long-term, think at least 3 years and above.

DCA is about topping up FIXED AMOUNT on a regular interval regardless of what's happening.

I do VCA + monitor market, i.e. if market goes up strongly, I'd do nothong. If market crashes, I'd top up enough to keep my %s intact e.g. fund A from 20% of my portfolio dropped to 18%, I top up to make it become 20% again.

3 years...I guess if the returns are a lot better than FD, then it would be encouraging to keep them longer, hehe

Thanks for the clarification on the DCA and VCA...yes, you're right, one is fixed amount and another is not. How confident are you when you do the top up when market's down...like, you must really know what you're doing if you choose to keep buying eventhough it's down...yes?

U cannot compare strictly to FD...FD is fixed...straight line...

But UT can be like...u loss money for 1 year...then nothing for 2nd year...then 3rd year fly up recouped all yr losses plus made profit

I understand...a bit jittery cuz this is my first venture into UT.
Wanted to try with that HSAO that you guys mentioned before, but lately I see that everyone's going away from it So have to find other choices.

The 'real' test will come to see if you dare to top up at -70%...

Build a portfolio, don't pick 1-2 funds and hope that it/they will make u a fortune

Pick a Asia ex-Japan fund, a (or maybe 2?) global fund, a Asia ex-Japan small-mid cap fund, and possibly an Emerging Markets fund.

Hope that I won't live to see such a day