I'm late to this discussion but I have done backtesting myself several months ago based on 8 years of data. Lump sum always give better return than DCA provided you perform value cost averaging after the lump sum. After my backtesting, I lump sum all instead of continuing with my DCA. Now I'm maintaining it with VCA. If you don't perform VCA, your lump sum return may lower than no VCA method depending on when you did the lump sum. But one thing, make sure lump sum into funds with good 5-10 years consistent track record than those 1-2 year funds that looks good short term. You don't want to lump sum with fund that the price nose dive and never resurface like those China funds.

I did that and I'm glad I did it but KGF is only 14% of my portfolio. Before this I was DCA-ing rm100 monthly.

1% of RM 1,000.00 = RM 10.00

Put that aside; I have just bought RM 7,500.00 into small cap fund and RM 2,500.00 into commodities linked fund. Who wants to follow?

Xuzen

YTD already gain +50% liao deh.

Chen Fan Fai always buy me lunch for free....LOL!

Xuzen

Can somebody just create a new thread for Eunittrust so that Eunittrust fans can unleash the fanism opinion over there?

The discussion here is getting more complex and confusing.

He he he FSM is da flavour of the day. When I first join this forum Pub-Mut is de-rigeur! Now is bumped.

I am happy the FSM is getting more love these days... hopefully with greater competition, this will make agency based UT comp like Pub-Mut & MAAKL lower their fees.

Xuzen

ABERDEEN ISLAMIC WORLD EQUITY FUND - CLASS A hits all time high. NAV on 1.2646 as of June 18, 2014

Just 1 month after my initial investment, recovered SC + some small profit

1k

then every month dca/rsp 100

I started with Hwang Select Income

got few options, FPX, Fund Transfer, Maybank2U Bill Payment online is one of them.

But anyone pay using FPX method thru CIMB Clicks here? I will PM u.

1. Click click click here and there to buy fund
2. Confirm buy
3. Select bank (most big banks are available for FPX)
4. Auto direct to bank login page
5. TAC will be sent to your phone
6. Check the details (amount, Purchase Order number etc)
7. Type type type click
8. Bank page will auto close after u confirm

Just take care on every step, u will be fine

Should market crash, then consistent good performance fund such as KGF will definitely follow suit, but it is also the first to bounce back among its peer. I will use that opportunity to top up.

Another method I learn from my senior is to switch all to money market first and then do DCA all over again to the equity fund as the mkt recovers (this is use for those more risk averse client, not suitable to all investor).

Xuzen

Good luck with those funds though.

Depends if you are that conservative I guess. Both are very conservative funds.

hi guys, i'm new here and I want to start invest using my EPF first and alrdy submitted the form last week.

One quick question, are all funds either EPF or cash required minimum subsequent amount after you start investing and how does the thing work?

Thanks

how high is the FD now? Recently the market up down up down also..

but
not China/hk focused funds...had been down for some months.
not for GEY/Global titans.. still down from last high. (many weeks ago)

Certain situations, like long term, 1-2% is not a big problem. But for shorter period, to me, it's not feasible to pay couple of hundreds to thousands just like that, especially we are the one managing our funds ourselves, not relationship managers. RM50*2% is already RM1k.
10k*2% is RM200, not RM20