Oi, why quote me? Call it the Ninja RSP trick

newbie here. just sign up today after 1 year research n google-ing 

few questions have been lingering in my mind:

1. i understand the concept of diversification. howe2. i already have ponzi fund....should i add anotver, looking at 5 - 10 yrs performance history, most of the Asia/GEM/Global funds under performed as compared to MY equity funds generally. this got me thinking....should i concentrate my bullets for MY equity funds and diversify within MY funds such as blue chip vs smallcap funds?

1. Local fund managers are mostly jaguh kampung.
2. Local stock market is "inefficient", i.e. it's relatively easy to spot value divergence/beat the market, hence local ETFs are not popular

In US/Europe/Japan markets, by the time u think u spotted a "value stock", the market have already spotted it earlier than u and beat u to it, i.e. most if not all stocks are already fairly or even overpriced.

well, my July data is ....
38% M'sia
19% US, UK, Eu
51% Asean ( include M'sia)
13% Asean X M'sia
14% North Asia (China, HK, Japan, Korea, Taiwan)

abt
12% pm
35% FSM
55% Hw

affinHwang Asset Mgmt....previously hwang investment mgmt.....I opened a/c there.

Which region?

Check here for intra-switching (same fund house) charges:
http://www.fundsupermart.com.my/main/buyse...alesCharge.svdo

For Eastspring Investments, switching is free.

As for the credit system, this is how it works (roughly):

Initially u invested RM10,000 in an equity fund, sales charge u paid is RM200
Then u switch all to bond fund which has 0% sales charge
The sales charge that u paid (RM200) on the equity fund goes to a "credit system"
So that later on when u switch back to equity fund, u get waived from any sales charge up to that initial RM200

guys, can i know the following is that true?
Bond Funds (New purchases, switch-buy or transfer-in orders from 3pm, 20 September 2013) - 0.05% per quarter
which mean fundsupermart will charge you 0.05% x 4 = 2% every years based on your fund amount??!!!
how about equity? any platform charges???

KGF..up up..big ang pow...for CNY..

who say lost? all change to CMF...before hip cup...then switch back to almost cheap funds..gains..cant imagine..

dont praise me..later PMS will tok like no tomorrow..

isn't that is "IN" the hip cup?
he said "all changed to CMF...before the hip cup"
that is why I 

get ready another hip cup..when oil drops to USD 75 to 70... IS..bomb some place. New Ebola strain..somewhere..

I thought that cursed-pusseh-that-shall-not-be-named hates FSM's 2% SC, big fan of eUT? eUT got sell CMF meh?

Aiyo, I sold most of my stocks before the recent hippy bra cup...my profit lots until I dunno how to spend

Maybe I should buy some cat food and donate to charity

aiyoyo, u can't smell sarcasm meh?

Well, I said earlier, different people, different cook book:

1. Some may freak out
2. Some may take it as opportunity to buy in
3. Some wait-and-see
4. Some doesn't do anything (ignore it)

yeah hard to believe anyone can really know when to dump all and switch all to cash and knows exactly when to do that before a crash. 

often by the time you know it, it has dropped quite a bit.

But one infamous forumner here who seemed to jump in joy whistling at every little upwards movement has posted just that, much to the disbelief of every seasoned forumners in here.

Talk is easy, when you  dont have to back it up.
or may be he will say angin, i will show you tomorrow.