Investing my Kid's Ang Bao Monies and Buying into Russia

https://secure.fundsupermart.com/main/resea...SJBlog_20150311

unker yklooi, any thought for the not so diversify portfolio for the kids?

Asian market up. Thanks to Bank of Korea.

Apa bank Korea buat? Reduce rates?

Yes.

And Kak Zeti's statement that "Ringgit is fundamentally undervalued" pushes Ringgit up

Damn...koyak lah UT portfolio saya

Don't worry. Effect won't last long and cannot withstand USD strong rally.

Just checked the charts

SGD and USD...even Renminbi still strong against Ringgit

Only Euro is weak

Haha.. at this moment, I need RM to up

May I know what is the difference between:

AFFIN HWANG SELECT SGD INCOME FUND - MYR
URL: http://www.fundsupermart.com.my/main/fundi...lnumber=MYHWSGD

and AFFIN HWANG SELECT SGD INCOME FUND - SGD
URL: http://www.fundsupermart.com.my/main/fundi...number=MYHWSGDS

MYR is hedged
SGD is not

Minimum initial and subsequent investment amount also different

Korea Korea

Thanks for the input...
cannot find Russia only in FSM m'sia...any Russia heavy alternatives?

Before, we start to construct the portfolio for your children education fund. I need to have some basic information from you to determine your initial investment amount and subsequent investment amount (if any)

1) May I know what is the expected return from your portfolio
2) What is the target amount size that you aim to achieve in this 15 years period

For unit trust investment, I will not recommend you to invest and forget about it. Rebalancing must be in place at least once a year to determine that your portfolio whether is still in line with your investment objective or not. I will suggest you to go aggressive for first 5- 10 years and gradually increase the allocation for bond fund for the last few years as last few year is the time you need the education fund and capital preservation will be main objective at that time.
Investors should use a core and supplementary portfolio strategy for effective diversification. The core portfolio must be diversified with foreign funds while the supplementary portfolio holds any funds which allow you to act on market views that you may have.
The Core And Supplementary Portfolio
The core portfolio is invested in broadly diversified regional funds such as those investing in Asia ex-Japan, Asia Pacific and global markets. These funds are held for long-term such as five-years or more.
The supplementary portfolio is where you make your ‘best bets’. This can be country specific funds such as those invested solely in India or China and sector-specific funds including technology, healthcare or commodities funds. These narrowly focused funds experience greater volatility but can make bigger returns. The supplementary portfolio only takes up between 10% and 20% of your invested capital. This ensures that its volatility does not affect your total portfolio (consisting of the core and supplementary portfolio). For example, if supplementary portfolio takes up 20% of the total portfolio and loses 30% (this may occur for country specific funds), the total portfolio only loses 6% of its original value.
The supplementary portfolio is usually held for the short- term, between one and two years. You switch funds in your supplementary portfolio when your view on the underlying sectors and country changes. What happens if the supplementary portion grows beyond 20% of the total portfolio? Then, rebalance by shifting some profits to funds in your core portfolio.
My suggestion would be remain the core portfolio for first 10 years, and the supplementary usually have higher volatility (hence the very limited allocation), but these investments can potentially deliver higher returns. The supplementary portion offers a medium-term strategy to capitalize on specific themes or ideas that present investment opportunities. Therefore, you may change the sector that you prefer from time to time depend on market sentiment. Please see my suggestion as below :-


* killed EI GEM and EI SC

This post has been edited by yklooi: Mar 12 2015, 02:38 PM


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http://www.fundsupermart.com.my/main/fundi...number=MYTABRIC

But only 10% as at latest fact sheet

yes, maybe you have forgotten.....here is it...even FSM did do a workshop on this topic.

http://www.fundsupermart.com.my/main/resea...?articleNo=3232

This post has been edited by MUM: Mar 12 2015, 04:07 PM


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Joined: Today, 03:51 PM



Whose dupe are you?

Anyway, well done! That idi*t kena in the face

welcome to the club

Thanks for sharing. Good one

haha thanks totally agree that parents need to look out for their childrens especially in terms of financial.

oh wait, nowadays kids get to register FSM account at age of 5yrs old and join us at FSM's thread?

of course kids detailed financial planning can add relevant info to FSM. its not like we're gonna talk about it for 5-10 pages. Perhaps, it might be useful for some of us that will have a little one coming.

cheers

Be careful, Be VERY Careful MUM,..
9 Mar he trolled with yklooi
11 Mar he trolled with wongmunkeong
he may do this to you (mum=mother)

This post has been edited by T231H: Mar 12 2015, 04:27 PM


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t231h he trolled? do you mean this?


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I am loving the market going up today..