after holding them for 12 months.....
Kidsave still - 0.24%
HS infrastructure still -2.56%
HSAQ (in FSM) still - 0.84%
(proofed that..."Past performance is not an indication of future performance...ha-ha)

today SOLD/switch them all
to GEY, Emerging Opp, AGE

with that, now is
40% in M'sia
19.5% in US, UK, Eu
16% North Asia
11% Asean X M'sia

when the heart still calm....thinking of shifting some HSBal to HSelJapan to up 2% of North asia

This post has been edited by yklooi: Apr 22 2014, 10:06 AM

info noted..
will try that next when portfolio performance & compositions still allows

noted...
my data chart was done to have Japan in North Asia....
anyway Japan is now 3% of portfolio....
just add or minus 3% in the required region.

nope...only HSAQ in FSM only.
still have 10.6% with Hw

glad to hear that...good for you.

rebalancing to a more diversified...AGE and GEY
still has 10.6% HSAQ in portfolio

never expected kidsave and Ponzi to be this negative for 12 months....
btw, HSAQ is + 5% since Jan and HSAO is + 1.15% since Jan.
...you may be right..."may end up worse than doing nothing at all"
but it was just a small % of the portfolio....

This post has been edited by yklooi: Apr 22 2014, 05:02 PM

just some info about the RM 500 PRS Youth incentives

WHO IS ELIGIBLE FOR THE PRS YOUTH INCENTIVE?

For Malaysians only
Aged 20 and above but have yet to reach the age of 31
Accumulate a minimum gross investment amount of RM1,000 in a single PRS fund of a single PRS provider within a calendar year, between 2014 till 2018
Contributions from employers are excluded from this incentive program

I HAVE INVESTED RM1,000 IN PRS BEFORE 2 JANUARY 2014. AM I ELIGIBLE FOR THE RM500 INCENTIVE?

No, you are not eligible as the RM500 incentive is only applicable for individuals who make PRS contributions from 2 January 2014 to 31 December 2018, with a minimum gross investment amount of RM1,000 within a calendar year.

HOW DO I RECEIVE THE RM500 INCENTIVE?

You will receive the RM500 incentive in the form of units of the FIRST PRS fund that reaches the minimum RM1,000 gross investment amount. These units will automatically be credited into your sub-account A.
If you have several PRS funds with a single or multiple PRS providers that reach the minimum RM1,000 gross amount on the same date, the RM500 incentive will be divided equally among these PRS funds.
PPA will credit the RM500 into your PRS fund(s)after the cut-off date of end June and December every year from 2014 to 2018.

IS THE RM500 ELIGIBLE FOR TAX RELIEF?

No, the RM500 incentive is not eligible for tax relief.

CAN I WITHDRAW THE RM500 INCENTIVE?

No as the RM500 incentive will be credited into your sub-account A, which can only be withdrawn when you retire at 55 years old.

to know more.....
http://www.fundsupermart.com.my/main/resea...?articleNo=4558

sure boh, did you get it right this way?

PRS Youth Incentive is an initiative by the government to encourage young individuals to start saving early for retirement. A one-off incentive of RM500 will be contributed by the Government to young individuals between 20-30 years old who accumulate a minimum gross investment amount of RM1,000 within a calendar year. The PRS Youth Incentive is effective for a period of 5 years starting from 2 January 2014 to 31 December 2018.


This post has been edited by yklooi: Apr 23 2014, 03:29 PM

try this.....and its provided links at the bottom of each article

http://www.fundsupermart.com.my/main/schoo...d.svdo?PageID=1

and also post #1 of this threads

compounding fund growth (possibility) and dividend if any...i think it is quite alot to some people lor....further it is "FREE" from bolehland.

This post has been edited by yklooi: Apr 23 2014, 04:44 PM

normally most "experts" would say due to the LONG investment horizon...go for growth....
in the end it is up to individual risk appetite.

what is your purposes of investing in UT in the 1st place?
usually what ever goes up will usually comes down,...but it is just "when", "by how much" and "for how long will it be down"....just do you have the appetite or are you prepared for it in anyway.

answered that, you will then decide whether to keep or throw.

just found tis on the web
it is for the S&P 500
http://www.moneychimp.com/features/monthly_returns.htm
http://education.howthemarketworks.com/tra...ths-for-stocks/


This post has been edited by yklooi: Apr 24 2014, 11:46 AM

bond asset class can include FDs
if you trust FSM...try reading this latest article....issued 14 Apr 14

http://www.fundsupermart.com.my/main/resea...?articleNo=4528

got your emergency fund readied?
got surplus funds that your are NOT expected to touch for 3~5 years?
know your expected returns to expect?
know your risk appetite?

still want to go to mutual funds as your investment vehicle?
just a note: there are some other investment vehicles that are more efficient...

if still want mutual funds....try FSM or Eunittrust websites..they have recommended portfolios.....

study them....if you liked them...then go for it.

FSM Fund Choice: CIMB-Principal Global Titans Fund [May 2014]

Investors should consider allocating part of their portfolio to developed markets for diversification purposes as well as to capture investment returns from key regions which form a significant proportion of the global economy. Due to the various reasons mentioned in this article, we believe the CIMB-Principal Global Titans Fund is in a good position to add value to investors’ portfolio.

http://www.fundsupermart.com.my/main/resea...?articleNo=4579

https://www.facebook.com/fundsupermart.mala...?type=1&theater

Quarterly Fund reports ---FSM HK
it has some interesting data that shows,
best/worst regions, sectors, single countries

http://www.fundsupermart.com.hk/hk/main/ar...202014_SFed.pdf

buy when there is BLOOD...?
12 months ago,...Indonesia is BAD....now is TOP.
many months ago, gold & precious metal is BAD...now is top too.
now Russia is BAD.....12 months later?

Sad/Regret NOT.
for there is another always another day.....
Just that "can we SEE" that day at that time?
or we saw it on that day, but hesitated to act.
or we only see it or acted on it "after".

This post has been edited by yklooi: Apr 30 2014, 07:33 AM