Today my UT portfolio is at all time high. Previously my all time high is May last year.

so the PRS youth incentive is rm500 just once only? i tot is yearly BTW for PRS fund, if let say i keep top up 3k per year, should i go for moderate or growth? i am 26 tis year.. plan to fully utilize the reduction in taxable income..

This post has been edited by ben3003: Apr 23 2014, 09:20 PM

ahem ahem.. <playing devil's advocate>
what happened after hitting all time high, say within a month or two?

u better sell it now

rebalance...rebalance...

Drop drop, top up top up...

Haha.. Will keep being invested and do nothing. Will evaluate to rebalance once a year.

Based on you age, i would go for growth. But you need to understand your risk appetite as well.

Since this money can't be "touch" till retirement age. I would always suggest my friend to go for growth if he she is young.

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

i went for a mixture of moderate and growth. you can choose to go 50/50

Hahahahaha

my prs 95% growth, 5% equity (test water haha)
weird strategy i guess haha

hmm? means 100% high risk lo? since growth = high risk, equity also high risk

for references purposes, my investment in PRS:

CIMB islamic PRS growth = 1.42%
CIMB islamic moderate = 1.33%

invested in Dec 2013.

hmm, my ut portfolio also all time high right now. you guys recommend to sell them? cuz like u all said, it will drop afterwards.

or keep it still?

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.

Leave market timing to the fund managers, just sit still.

E.g.
U buy at RM100
Went down to RM80 (your so-called "low")
Then back up to RM120 (your so-called "all-time high")
U sell
It went further to RM150
U
Then it drop back to RM110
U think...not "low" enough
U wait
Then it fly again to RM170
U

Great advice!
It was for long-term saving. so it's best to let it stand still. but avoid buying lump sum at this point i guess. topup few hundreds still okay.
So dont mind me asking, usually will go up at peak around mid of the year period? and thne drop drop drop till year end isit?

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

History may not be a good indicator of the future...

Just keep a constant asset allocation...and rebalance like, every 3-6 months

E.g. bonds 40% equities 60%

If equities went up to 67%, u sell some equity funds and/or u top up your bond funds to bring the % back to your initial plan

okay, now i get what u mean. basically trying to keep 60/40 equity/bond ratio every 3-6 months. if either one goes up or drop, readjust so taht it goes back to 60/40.

thanks alot for the advice

btw, what are some of the bonds u recommend for start up?

This post has been edited by Michaelbyz23: Apr 24 2014, 11:52 AM