guys (and girls), i just want to ask how wise it is to blindly follow FSM's portfolio recommendations?

imma complete newbie wanting to get into mutual funds, been researching around and reading a bit. FSM's portfolio seems extremely convenient and makes sense *for the most part* but are these truly the funds for each segment (global equity, bond, dividend etc) or are these the best from funds that FSM are dealing with? coming from a completely unrelated non-finance background, all i want to do is to park some money into some funds and watch the principal grow into 'something' 3-5 years down the road ^^

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?

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

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

thanks much for the tip!

at the moment im not so well versed as you guys... wont be half as sensitive to the nuances of the markets probably just gonna put some amount into some funds and leave it on auto-pilot for months (or a year) on end or something but okay, i understand what youre getting at about *wonderful* funds!

thanks much for the reply! will go read up some more on these funds before laying down the money haha oklo, i thought FSM would draw up their recommended portfolio from the wide-ranging funds that they have, thereby making their rec. portfolio wide-ranging also LOL