Maybe others can offer better opinions; as for me, I don't believe in investing in UT for the short term. I've even posted (in another thread) that my personal definition for long-term is 'forever'.

Be careful on using property as part of investment portfolio. If it is your "home", it could even be considered as expenses - not an asset. And as mentioned, IMO, property as an investment is passe.

We could do a long list of pros and cons on property vs. UT.

If some real estate expert can show the expected returns by investing into properties, some UT expert can also match the returns by using UT.

Personally for me, the important criteria would the legwork and research to do, the liquidity of the investment, and the volume of the investment per purchase.

With UT:
Legwork and research - I can do it from my desk.
Liquidity - I can sell anytime I want, and received the money within a week.
Volume - I can make a purchase with any amount I have with me, no matter how little I have, and I don't even need to make any loan to complete the purchase.

There's another option to your specify situation (which I hate to provide one-to-one advice as we have to make a whole lot of assumptions on whatever bits of personal information which were not provided): Maintain the fixed-price UT and use new savings to invest into the new funds.

Looks like I have not really convinced anyone that investments into UT is forever! LOL.

Please don't tell me your original intention of the 5-year investment is to built up a tidy amount for another property, if everything goes well. I mean, if everything goes well, and the UT investment is giving good returns, why the plan to pull out and transfer it to another investment vehicle?

Similarly, if the property investments is doing okay, you are maintaining. If the fixed-price UT is doing okay too, shouldn't you maintain them?

There's no right or wrong answers here which options you will take... each to his own. Evey person has a different outlook in life and investments. Me, I might have a different philosophy from you and will make choices you might find unacceptable.

Take the game of Othello which I used to play; my opponent will count how many pieces he can 'turn' in every possible moves before making the move that can 'turn' the highest number of pieces. His philosophy: make every moves the best possible move with the highest number of 'turns'; and the end result should be that he is the player with the most number of pieces.

Me: I don't count the pieces that I could possibly 'turn' in each move. If I had made the best possible move (in the eyes of my opponent), it was a coincidence. Most of time I may seemed to be muddling every move. But usually I won the game. Why? Because my muddling moves has a purpose - which is to occupy the the corner positions. The corner positions are the winning positions in Othello.

My philosophy: I don't have to make every investment move to get the highest return. Why? Because the highest return that I can possibly get could be only a small difference than the 2nd or 3rd highest return. Some may say the small difference can add up to a big amount in the long run. Well, to each his own.

(Maybe because I was well-paid, that's why I don't have to sweat the details... you lose some, you win some.)

This post has been edited by j.passing.by: Jul 17 2014, 12:55 PM

okay. So how do you want to proceed next? Note it is a rhetorical question, which you don't need to answer. Hope you got the answers you were seeking.

BTW don't take every sentence I posted too personally, I usually take the opportunity to address some pending issues for the benefit of the wider audience in this forum.

who's fighting? If you meant the differences in opinions, it's what's expected in a open forum...

okay, back to same question which you had opened a thread.

How straight forward should I reply? The right answers are all there... since the past week or so since that thread you opened; and I'm not beating around the bush.

1. You need to take your own counsel. You cannot continue revealing new personal info to kite people to give a very definite reply to suit your situation. Any profit you would make (or lose), it's all yours.

2. There was already a few posts on whether to do lump-sum investment (as in dump in all 100k at one go) or do limited DCA (as in splitting into 10 monthly purchases). The reasons behind Lump-sum vs. DCA was discussed in this thread and elsewhere too. Look them up. Then make your decision.

3. As mentioned in the previous post, I don't go chasing after higher returns - and the reason behind it, I'd stated too. It is obvious I will split 50-50 into KGF and Eastspring Small Cap. (Or maybe it was not obvious enough. )

4. Whether or not you want to use new savings or take it out from the fixed-price UT, it's your choice too. When I pointed out the option of using new savings... it was just to alert you to that possibility. You don't take the alert as the best possible solution that you must follow. I may know more of UT than you, but it does not make me a financial wizard or UT expert.

5. Drop any notion that you seemed to have on asset allocation as a standard financial guide or formula. (I'm assuming this because you seemed so adamant on getting some ratios correct and neatly as in x% in property, y% in fixed price UT, z% in variable priced UT.) If you have read something about it and not too sure about it, maybe bring it up for discussion.

6. Again, read and take notes as much as you can. After doing all necessary 'research', be confident with your choice of action. Nobody knows whether the market will crash next week or not, all we can do is speculate, speculate, and speculate... so any decision you'll make is a good as any 'professional expert'.

7. Good luck.

Pink Spider,
I hope you don't brand me as aksi aksi whenever I flaunt my gold status!

Wodenus,
I hope you don't spot me as another rich guy. For all we know, I could be the poorest among you guys.

And I wouldn't care... the important thing is that I THINK I'm rich enough. No second thoughts on whether to give my boss the middle finger if I want to!

Hope you guys can do the same. LOL.

standby, a storm is brewing...

What do I know? That's why I said it's my assumption. If it has no bearing at all, why give the snapshot? How about a word of thanks?

All I see from your replies are confrontational and like accusing me of 'beating around the bush'. Read all my posts to you since day 1 from your own thread... you are far from the path of going with a agent on another fund, aren't you?

And read back all your posts... you said you do due diligence and research before each investment, so what else is holding you back? Do you need a stamp of approval from us?

For your info, most newbies who came for support or advise in this forum already know what they want to do after one or two quick replies, and posted back what they have done in the next day or two. But you... you don't come across as among smarter ones. And yet you seemed smart enough... maybe there's something else missing - guts to take risks and to make a wrong decision. If it is so, you should re-decide whether variable-price UT is suitable.

And this is my frank opinion.