It does work in balance portfolio. As of now, US and Europe in more volatile and average lower. Thus MY and Asia Ex-Japan creating profits. The portfolio results is no red and just slowly erasing profits as of now, so let them (fund manager) play arround wit the money and show us the great results later. I just need to work hard and smart daily to earn more money and spend wisely.

just notice that Eastspring Investments MY Focus Fund is now available for EPF investment. anyone use this method : withdraw lum sum from epf into eastspring bond fund and then DCA every month to Eastspring's funds.

This is my S.O.P. all this while.

Xuzen

then do you need to send the original switching form (EPF switching needs ori form) to FSM every month? or do you go down to their office to do it

This post has been edited by repusez: Aug 16 2014, 10:32 PM

what you mean by switching form?

I get a few forms in stock, at pre determined date of every month, I fill up the switching forms, sign, date it and send by registered mail to their office for processing.

Xuzen

Sorry newbie asking. Whats the benefit of doing this instead of investing from kwsp straight into the equity fund?

A passive risk mitigation technique. Also a way to avoid timing the market.

Xuzen

repusez,

If I'm not mistaken, you can only withdraw from your EPF for investment once every 3 months. Or has EPF changed its regulations?

But why would you want to withdraw from EPF to invest into bond fund? It will have lower returns over the long run. Should take a higher risk with the EPF funds for potentially higher returns as you have a very long time frame for it.

He just wants to use the bond fund as parking place and then, switch to equity fund.

Not sure if that strategy is possible but another forumer concurred with the idea.

This post has been edited by David83: Aug 17 2014, 11:02 AM

yup that's my strategy , just a bit leceh because need to send in form every month, to do DCA for epf funds

EPF - u can only withdraw once in 3 months

So, they withdraw ONE LUMP SUM from EPF and park in bond fund, then every month invest bits by bits to equity fund(s) to smooth out the market fluctuations.

Not sure if it's a good idea to use a bond fun for parking, bond funds can be pretty volatile, it's better to use CMF for a parking place. Transaction time is also faster

Can EPF to CMF?

Now I'm curious.. if you can take money out of bond for equity, surely you can take it out of bond for CMF? or does he mean only park in bond, and invest salary in equity? seems silly considering bonds are way more volatile than equity.


This post has been edited by wodenus: Aug 17 2014, 10:43 PM

The bolded statement is incorrect. Should be the opposite, is it a typo?

Xuzen

Seems that way, doesn't it? but look at the growth curve in Morningstar, some of the bond growth curves are scary. That they are safer is only a general observation, there are many that are safer, but if you pick the wrong ones, you are in for a much wilder ride. The Sharpe ratios for many bond funds are lower than that of some equity funds.

So you can't just assume that bond fund means safer, it really depends on the bond fund and equity fund that you are comparing

CMF IS NOT AN EPF-APPROVED FUND

Fund Update: RHB-OSK Global Allocation Fund

URL: http://www.fundsupermart.com.my/main/resea...?articleNo=4896

Portfolio update:

FULLY dumped RHB-OSK Global Equity Yield
Switched to CIMB-Principal Global Titans