maybe it is the Risk appetite that you seek?
too much allocation in the "lower volatility" funds in yr portfolio?
focus on yr risk appetite instead of returns...else you may not able to have financial emotional peaceful days.

Start small with a small portfolio (i.e. not too many funds).

Then as your portfolio and salary/income grow bigger, then only diversify further as necessary.

That's what I did. When I first started out I just have a few funds.

If my memory did not fail me...

Hwang Select Income Fund (my biggest performer, I got IRR of 10-11% from this, but fully dumped (luckily) just before the recent bond slump)
OSK-UOB (now RHB-OSK) Global Equity Yield Fund
Hwang Select Opportunity Fund (u won't go too far wrong with this multi-award winner)
Hwang Global Financial Institutions Fund (this fund is already closed so don't ask me further )

I think this is applicable only to stock market as it is un-managed. For UT, it is a managed fund hence the performance will also depend on management team and not just at the mercy of market force. Else it will be just be an index fund if it track the market.

This post has been edited by kimyee73: Jun 23 2014, 10:06 AM

I think Unker Looi's statement is more applicable for foreign funds, as based on my observation, MOST local funds investing in offshore markets at best can only match index/benchmark. So, investing based on your outlook of the respective markets is quite usable.

But for local equity funds, yes, all above average fund managers can beat the market. Hence, u "invest" in the fund manager, not invest in the market.

This post has been edited by Pink Spider: Jun 23 2014, 10:08 AM

thanks
My Select Income is doing just fine,. Put 1k then few months later cant buy through FSM anymore. lol
RHB-OSK KidSave is my current fund that's not up to expection.

---------------------
Seminar for Recommended Unit Trust 2014/15 will be on 5 July.
another wave of promotion coming?

This post has been edited by @secret@: Jun 23 2014, 01:09 PM


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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

Money Market Fund for old unker like you



This post has been edited by xuzen: Jun 23 2014, 01:36 PM

@3% return pa, put FD or CMF also can la. Hahaha

guys is it right now the right time to join in AMASIA PACIFIC EQUITY INCOME ? seeking for some advice.. thanks for helping! just need more opinion everyone

Anyone received this?

Dear My Valued Investors,
Good day to you.
We are pleased to inform that we currently give a special offer to selected status investors. If you purchase these selected funds with a minimum investment amount of RM 5,000 from 20 June – 27 June 2014, you will be entitled for sales charge 0.8% only!
Period : 20 – 27 June 2014
Sales charge : 0.8%
Minimum investment : RM5000 (total for selected funds)

Note :
- Kindly please email to notify us at investhelp.my@fundsupermart.com before 2.30pm daily cut off time so that we can manually adjust the sale charge for you.
- Latest payment must reach us before 2.30 pm cut off time on 27 June 2014 for this offer.
- This offer is not applicable for INTRA or INTER fund switching.

Please find the table below for the funds selected for this promotion .
Promotional Funds
Fund Name
Market
CIMB-Principal Asia Pacific Dynamic Income Fund
Asia ex-Japan
Asia ex-Japan offers attractive upside potential. This fund focus on high dividend yielding stock with growth potential and has been performing quite well
Pheim Asia Ex-Japan Islamic Fund
Asia ex-Japan
Asia ex-Japan offers attractive upside potential. This fund has stronger resilient and steady and consistent performance (Shariah compliant)
AmSchroder European Equity Alpha
Europe
The fund adopts a high conviction bottom-up investment style that emphasizes on value investing, while maximizing returns through buying low and selling high. The fund has outperformed the benchmark in recent times.
Aberdeen Islamic World Equity Fund - Class A
Global
First hand company research and strong corporate due diligence. Bottom-up investment style with benchmark agnostic approach. (Shariah compliant)

Please do not hesitate to contact us if you need any assistance.

Gold status account holder spotted

Money Mkt acts like a safe forward operating base, a sort of beach head to regroup your funds to tackle the front line.

In essence, it behaves like a FD and is exactly like CMF. It i never meant as a perma place for your money.,, if they stay too long there, your money get lazy. To me, it is a launchpad.

I advise my unker customer as it is... by the numbers.

For Asia Pac ex Japan, I'll recommend CIMB-Principle Asia Pacific Dynamic Income instead of AmAsia Pacific Equity Income fund.

Xuzen

unfortunately, silver nia... they wrongly send?

Most likely DCA at fault especially if you start DCA with rm100 instead of initial rm1000. After full year, only your initial investment of rm100 benefit from full year return, the rest are not.

The key is how to spot a market crash. Normally we know after the fact already in motion and our portfolio already drop in value. If don't know how to determine, better just stay invested and perform rebalancing or top-up. I think kaka has a preset % to perform the big switch.

Ya, got this as well and I'm only silver status (declare first before pink said anything)

Timing on when to switch all to MM is the hard part. Maybe when we start switching, the market already bottom..

it all depend on the kiasuism of the client, some drop 5% sudah kow peh kow bu, some can tolerate until 20% drop. As front line service agent, we manage client in accordance to their personal risk profile.

oops I also got the mail

0.8%

yummy