I am 20 this year, started last year!     

The earlier you start, the greater potential return you may reap.

Still learning 
still noob.

FSM Risk Rating is 4,...guess it is medium risk.
for beginners? well, some beginners can take risk, some cannot.
some young man cannot take risk, some old man can....
so it is difficult to suggest if this is good for beginner...

anyway,...can try lor at risk rating 4...see how it goes in 3 years time....maybe this is too slow or too volatile...you hv to judge it yourself.

bond fund wo...

sini semua macam equity. you are below 30 right?

try click the links in (your provided link?)
I think there are many info there like the RSP list, click here to apply, etc....
I maybe wrong, but pls check it out?

U understand what is RSP Special, right?
For funds not under RSP Special, u need to have an initial investment in it first, i.e. buy in RM1,000 (or RM500 for CIMB-Principal funds). After that only u can subscribe for RSP for that fund.

From my experience, RSP works best for funds that are VOLATILE (huge yo-yo up and down) but are displaying a CLEAR uptrend over the years, because RSP will help u to average out your entry cost.

For funds that are stable like CIMB Asia Pac Dynamite Income, lump sum entry would work better. Just dump in everything u have!

How to build courage if u didn't go thru shocks?

Recent slump in Bolehland equities just given us a very good lesson in volatility and how RSP could help.

Those who (saw the super HISTORICAL performance and) bought in lump sum into Kenanga Growth, Eastspring Small Cap etc and then did not have courage and/or ammo to top up when market crashed would have been better off had they did otherwise, for example buying in minimum amount and then RSP buy in come rain or shine.

The fund which taught me this lesson was Hwang Global Financial Institutions Fund (I think this fund closed already, it's a 5-year mandate fund if I remember correctly), this fund was launched in mid-2008. U know what started during that time, right?
50 sen I started, 44 sen I top up, 39 sen I top up, 38 sen I top up...


But, not everything or every fund also can do like this, u need to have faith that the fund/industry/market will recover somehow.

The SC charged on your RSP would be the usual SC rate, if it happens that FSM is running some promo during that time, u get the promo SC rate.

What u see is what u pay - just the Sales Charge. Ignore the discounted or initial whatever.

With so many posting their portfolio asking for opinion...

Rather than giving opinion which may or may not be helpful, I'm gonna teach u guys how to really see how your portfolio looks like...

Go download the latest fact sheet of your funds
Then see what are the countries/sectors/asset classes that it invests in

E.g. CIMB Global Titans as at Nov-14 fact sheet has 51.8% in US, 35.7% in Europe, 11.8% in Japan and the remainder in Cash. U have RM10,000 worth of holdings in CIMB Global Titans.  Your total portfolio is RM50,000.

Thus, RM10,000/RM50,000 x 51.8% is exposed to US

Do this for the other funds.

Then u can construct a picture of the allocation of your portfolio.

U don't have to do it 100% the way I did it, improvise and find a way which suits u.

Attached is mine:

Bravo...soooo nice the charts.
seems like no US, Japan & Europe...need Cimb Global Titan Funds???

just 1 question..on the "by Country" chart
the 45% Malaysia is include both the EQ and bond?
if yes,...I think better separate as I "think" your "by country" charts is cater for EQ.
seems Malaysia % not tally between "by Types and Country" and "By Country"
I maybe wrong...have a review. 
also why the vertical % lines in the "by type and Country" not tally?
ex..the FI is 41% but the vertical is about 39%

Wow...nice charts!

just 1 question..on the "by Country" chart
the 45% Malaysia is include both the EQ and bond?
if yes,...I think better separate as I "think" your "by country" charts is cater for EQ.
seems Malaysia % not tally between "by Types and Country" and "By Country"
I maybe wrong...have a review. 
also why the vertical % lines in the "by type and Country" not tally?
ex..the FI is 41% but the vertical is about 39%

Please do not start to "Jam" my just being enlightened brain again. 

you posted "is it to compare Units * Purchase Price; vs Units * Current NAV price"

1) 1000 units x RM 1 (purchase price) = RM 1000
2) 1000 units X RM 0.9 (NAV drops RM 0.1) = RM 900
3) 2000 units x RM 0.5 (current Nav) = RM 1000
4) 2000 units X RM 0.40 (NAV drops RM 0.1) = RM 800

in your posting that mean "No gain" as in 1 & 3?
More units as 3 & 4 as compared to 1 & 2 (lesser units).....more units, more loses if Nav dropped RM 0.1....is what I meant, as posted in #912 page 46

see that logic?...well, that was the jam that got stuck in my brain....

want to unlock that Jam too?....see post #955 at page 48 by guy3288 and some postings before that by pink and wongmunkeong

or please enlighten us all, we you think we are still in the jam[...  

(Units held x current NAV price + dividends (IF u cashed out)) - Initial investment = profit/(loss)

Simple as that

Btw, why must look at %..Nav changes by RM value almost daily (be it 5% or 10%)? 
I think explanation in post#955 page 48 did NOT mention
1) comparing 2 things ex Cat vs dog or
2)  %....they are NOT in the picture in that post.
both are also excluded in the logic that Jammed me.

Root cause is the percentage of change? 
now lagi     
have to go re read post #955

well, I think it was then and now.
I tracked mine with what was posted by them.....almost similar +/-x%...maybe it was the cut off dates of calculation.

if you want to track, try reading this....just for extra info...
3 Ways To Track Fund Performance We provide with a guide on how to track the performance of your unit trusts using our user friendly online tools.
Author : FSM ...May 18, 2009

http://www.fundsupermart.com.my/main/resea...l?articleNo=275

polarzbearz punya IRR excel  

Oooooh

That came from me (originally) actually, I put RF as Redemption Fee for AmDynamite Bond