for the risk you are exposing yourself to through equity based unit trust, you should demand more return. Expecting a slightly above FD rate  means your expectation is too low. Be a harsher master to your money! taking risk needs to be compensated with return.

This is after all what CAPM teaches us.

Xuzen

The return for FD is way too low, it only serves as a defensive against inflation (but not all time as inflation nowadays can easily beat the interest offered by FD).

Depends on your risk profile, invest your money into blue chip counters if you have the stock investment knowledge, or invest into some good unit trust funds out there that offer you consistent good return.

get what you need or lagged in % of allocation in yr portfolio?
that is more important....I think.

Dude, Pink Spider opened this thread and wrote the very extensive FAQ right at the beginning. He has also posted extensive calculations explaining why his explanation is correct. You posted calculations of your own but when challenged you failed to defend them at all. When questioned on the specific funds that you bought to achieve your claimed returns to independently verify if the claims are plausible, you also declined to answer.

But somehow you believe that you have more credibility than Pink Spider?

  would you said that, if you had read this posting before......
posted in Mar 2014.... (now is july...had gone up more since than).

"Since January 2013, the gains in the stock prices for the small cap stocks were due entirely to higher valuations. In fact, during this period, earnings and dividend growth were both negative.

This explains why the P/E ratio for FBM SCAP Index went up by a significant 179%, much more than the gain in the index of 47%.

Please let me repeat. Prices for small cap stocks have risen by 47% since January 2013 at a time when the earnings and dividends of these same companies have fallen.

Is that reasonable? Yes, if the starting valuations were low. This was true in January 2013 when the P/E ratio was 9 times and price-to-book ratio was 0.75 times for the FBM SCAP Index.

Is it still rational now? The P/E multiple today for the small caps is 25 times and the price-to-book ratio is 1.10 times. Even if you believe in the stock market, it is better to switch to the FBM KLCI stocks.

It should be noted that the FBM SCAP price to book is almost always below one time (please see Chart 2). The reason for this is simple. Why would you buy a small cap, illiquid – and sometimes risky -- stock above its asset value?"

read entire article and charts and data at
http://www.theedgemalaysia.com/highlights/...nal-values.html

if you believe in FSM research....then try reading this. it shows the undervalued funds to focus at.
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo?
but if you want consistent return soon,.....try max out your EPF contribution. (I think can self contribute max to RM 60k)....
btw, how much consistent return you are looking at? how soon is the soon?

ooops cannot attach excel file..."Upload failed. You are not permitted to upload a file with that file extension."
wondering why?

U can withdraw ANYTIME but upon withdrawal the monies will go back to your EPF account, i.e. u cannot cash out to your own pockets.

Why 3 years only? Unless u telling me you're nearing retirement age, or u gonna withdraw to buy house...

Investment in UT is from acct 1 only. Withdrawal to buy property is from account 2 only

Hence these r mutually exclusive monies in epf

Thanks for the clarification.

So, why would u want to restrict to a 3-year timeframe? If u are young, u have time on your side...don't over-transact...let the fund managers do the thinking on market timing for u. In the long haul, it would be more rewarding.

Dump all in CMF. Currently CMF yielding 3.1%, better than 1-month FD rates.

Park in CMF, then every month/3 months DCA across your portfolio or top up selectively depending on which markets seem oversold/offers better upside potential.

Then just Dollar VALUE Average lor

Nah don't tell me u dunno what is this...all regulars of this thread should know. If forgotten...ask Unker Google!