mine 4% :3

John Bogle's 10 Rules Of Investing


1. Remember reversion to the mean. What's hot today isn't likely to be hot tomorrow. The stock market reverts to fundamental returns over the long run. Don't follow the herd.


2. Time is your friend, impulse is your enemy. Take advantage of compound interest and don't be captivated by the siren song of the market. That only seduces you into buying after stocks have soared and selling after they plunge.

3. Buy right and hold tight. Once you set your asset allocation, stick to it no matter how greedy or scared you become.

4. Have realistic expectations. You are unlikely to get rich quickly. Bogle thinks a 7.5 percent annual return for stocks and a 3.5 percent annual return for bonds is reasonable in the long-run.

5. Forget the needle, buy the haystack. Buy the whole market and you can eliminate stock risk, style risk, and manager risk. Your odds of finding the next Apple (AAPL) are low.

6. Minimize the "croupier's" take. Beating the stock market and the casino are both zero-sum games, before costs. You get what you don't pay for.

7. There's no escaping risk. I've long searched for high returns without risk; despite the many claims that such investments exist, however, I haven't found it. And a money market may be the ultimate risk because it will likely lag inflation.

8. Beware of fighting the last war. What worked in the recent past is not likely to work going forward. Investments that worked well in the first market plunge of the century failed miserably in the second plunge.

9. Hedgehog beats the fox. Foxes represent the financial institutions that charge far too much for their artful, complicated advice. The hedgehog, which when threatened simply curls up into an impregnable spiny ball, represents the index fund with its "price-less" concept.

10. Stay the course. The secret to investing is there is no secret. When you own the entire stock market through a broad stock index fund with an appropriate allocation to an all bond-market index fund, you have the optimal investment strategy. Discipline is best summed up by staying the course.

This post has been edited by Vanguard 2015: Mar 18 2015, 05:07 PM

Hwang website shows got award leh....
(but cannot click to see more details)


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Hwang Select Income fund



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Ringgit declines as Fitch plans rating cut
•18 Mar 2015 at 17:31 668 • WRITER: BLOOMBERG
The ringgit fell as Fitch Ratings said Malaysia's credit ranking sits "more naturally" in the BBB range, suggesting a possible downgrade.

A deterioration in the current-account surplus exposes Malaysia to volatility in investor sentiment and Fitch will review the country in the second quarter, Andrew Colquhoun, the company's head of Asia-Pacific sovereign ratings, said in an interview on Wednesday in Singapore.
http://www.bangkokpost.com/news/asia/50059...lans-rating-cut

OMGssss what will be the impact to our M'sia focused fund?

another "sell-down" on KLCI

how long has you guys invested in? more than 1 year?

just added Jpn in Jan 2015
just added BRIC yesterday...

This post has been edited by yklooi: Mar 18 2015, 08:56 PM

i just RSVP on 15th this month haha..

👍

ESPRING EM Fund?

Very recent yeah.. Why not doi g lump sum?

no, not directly into EM Fund but if separate individually from all my funds...I "think almost cover" the usual EM.

apa emoticon ni??
I only can see a box 👍

aah, i learnt a lesson myself, remember last dec KLCI so red..
Before that drop i lump sum in into MY funds..
Bloody red.. -7% like that..
so now i everytime use RSVP 15th each month..
Unless got special SC discount..

BRIC

Russia and Brazil mana satu fund?

RHB OSK GS BRIC EQ fund

Kacang cap tangan icon. Maybe i am using my mobile phone keyboard icon, that is why can't see

Kacang cap tangan icon. Maybe i am using my mobile phone keyboard icon, that is why can't see

can i just confirm something...i have a fund RHB-OSK MALAYSIA DIVIDEND FUND for the past 3 years....it is not performing so well....i plan to switch to my other RHB funds....if i switch i have to pay RM25 switching fees.....but if i sell it to my CMF i dont have to pay any fees and then use CMF to buy other RHB funds and pay 1-2% SC.....is it that simple or am i missing something here....
thanks for your input...

PS the amount is only 1K so SC will be RM10