best answer so far

wahhhh really want so cheeky meh ok i put it in another way... my 'something' in mind at the end of that 3-5yr period is bigger than a 'something' that an FD would give... better?

just better than FD?......
my agar-agar guess would be...
if Malay try ASNB Funds
If near to 50 yrs try EPF lump sump contribute (there is a limit thought)

unknown to your risk profile/experience....try playing with data in the attached file....maybe it can helps you select your allocations




Attached File(s)
 ROI_estimation.zip ( 10.67k ) Number of downloads: 27

My suggestion is put 70% in Kenanga Growth Fund and 30% in CMF

Then your return will be better than FSM's portfolio recommendations

if Malaysia Kaboom, don blame me

If not, just follow FSM portfolio recommendations

Thanks for the replies yklooi and ZH888

Yklooi as I said previously I have zero experience... I'm non bumi in my mid-20s and looking for an aggressive-biased portfolio. Will look into the data sheet link later tonight

ZH888 my original question is on whether the FSM portfolios are really well balanced or are they pushing for certain funds (the funds that they have) only. Eg maybe there are other funds better for global equity but FSM don't have dealings with that fund house so no recommendation by FSM into the portfolio... Just curious

I believe their recommended portfolio is choose from their Recommended Fund List la. Of course you can replace your own pick if you dislike their fund in portfolio. For me i will treat as a references only to build a portfolio.

If you are familiar in UT investment in later time, then you may choose the portfolio that best suit to yourselves



my opinion

Investing always carries an element of risk. It is paramount to always keep tabs on your life’s circumstances and finances to evaluate the amount of risk you can take before committing to an investment.

2 Things You Should Know About Risk Before Investing
http://www.fundsupermart.com.my/main/resea...?articleNo=4888

any interesting fund to invest now

Of course FSM will only recommend funds that they have!

But the funds that FSM carries are wide-ranging enough, basically they only don't have Public Mutual ones. Public is...by and large, jaguh kampong. You can get comparable if not better replacements from Kenanga, HwangIM and Eastspring Investments.

fancies any?
http://www.fundsupermart.com.my/main/resea...?articleNo=4747

On 'Core Equity - Asia Ex-Japan' category, YTD return for CIMB-Principal Asia Pacific Dynamic Income Fund (not in the recommended list) performed better than AmAsia Pacific Equity Income Fund.

On 'Core Equity - Global' category, YTD return for Aberdeen Islamic World Equity Fund - Class A (not in the recommended list) is far better than RHB-OSK Global Equity Yield Fund.

thanks for the reply

i was about to ask if all you sifu here have reasons to dislike the FSM portfolio recommendations but further down Pink Spider kinda answered by saying the recommended list is pretty 'wide-ranging'... i was thinking of starting out with a few only from the aggressive list is since one or two are on a downward trend at the moment (yes i read from the beginning/middle of this thread that one should not just chase those funds with super wonderful ROIs since going up too quick cannot be sustained indefinitely and may/will come down hard also )

thanks for the reply and the link

yes the risk and age relationship is one of the common points i have read many places also, which is why im mainly focused on the aggressive portfolio part right now. probably go a bit more conservative after a few years... cross the bridge when it comes

thank you for the reply

i read that the hwang quantum ex japan fund and KGF quite popular on this thread

Just coming from someone that is not as active here anymore.

When a lot of people is mentioning it, it's either a love or hate relationship. In this case, love. Why do we love it? It's making us money. Personally I see China/HK as a promising market (after the lousy performance I got from GEYF), but KLCI is high in terms of valuation compared to the rest of the SEA market, trading at 17x PE. So don't go too gung-ho on KGF. If you monitor the market closely, there's not much of catalyst as of now... for September and October at least based on historical trend.

Just a thought for reference.

This mth is happy happy mth so far:

i) RHB US equity naik!
ii) Local jaguh kampong fund naik (KGF & ES Small-Cap)!
iii) Hwang Infra & REITs fund naik!
iv) And my Money Mkt of course naik lah!

Xuzen

Hwang Quantum, yes. One of the best small-mid cap Asia ex Japan fund. Other alternative would be RHB-OSK Emerging Opportunity Unit Trust. But since takeover of OSK by RHB, most of us observed a downtrend in performance...

Eastspring Small Cap is not comparable, cos it's 100% Malaysian small-mid cap, whereas the 2 mentioned above have mandate to invest in offshore Asian markets.

As for KGF...yes, performance have been spectacular. U may also consider Eastspring Equity Income, both are 100% Malaysian equity fund. But I prefer Hwang Select Opportunity as the fund manager can diversify up to 30% in offshore markets if they see limited potential in Malaysian market.

Btw, to clarify, I'm saying FSM range of funds are wide-ranging, NOT the Recommended List.

But then again, we are not buying an index fund. When we buy into a good fund, we are relying on the fund manager to deliver us market-beating returns. And this is very possible in less than efficient markets like in Malaysia and Asia ex Japan.

CIMB Dynamite is more stable than AmAsia Pac.

And RHB-OSK Global Equity Yield...RHB-OSK...need I say more?

Lipoting in.
Diversified abit into unit trust.

Pretty amazing month for me so far too, but more due to local stockmarket picks than FSM funds.

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