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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t231h he trolled? do you mean this?


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reduce INDIA by 20% put into CIMB GTF?
you dun hv developed mkts....

maybe keep some % in Manulife india...bcos your Ponzi 2.0 has just 2.62% in india (2.62*16.66% = < 1.0%)

This post has been edited by yklooi: Mar 13 2015, 09:54 AM

OOPS... wrong sign....should be "< " NOT ">"
also "/" to "*"
(corrected)

This post has been edited by yklooi: Mar 13 2015, 10:08 AM

maybe b'cos FSM had been doing the monthly sales discount promo from Dec 2014 ~ Mar 2015.....
many would be enticed by...what to buy for this "SALES"...

This post has been edited by yklooi: Mar 13 2015, 09:52 AM

guess, the higher and faster the climb the harder the fall...
maybe was due to the sudden mkts fall in it fund coverage mkts.

RHB OSK...I got "BAD" experience with them lately....
will try others with more performance records history....

India parliament passes key Modi reform, opening up insurance sector ......Published on Mar 13, 2015

The upper house of parliament - where Modi and his party allies lack a majority - gave the green light to the Bill, which will hike the insurance sector's foreign direct investment cap to 49 per cent from 26 per cent.
The insurance industry is a key source of funds for industrial projects. The government has been anxious to have more foreign investment in the sector to be able to tap funds for vitally needed projects to overhaul India's creaking infrastructure.

http://www.straitstimes.com/news/asia/sout...sector-20150313

Japanese stocks are on fire. But why?

the Nikkei has outperformed many world markets. The index is up 8.4% this year, while the FTSE has added only 2.4% and the S&P 500 is flat.

The obvious question is ... why?

The stock answer -- a weaker yen -- doesn't apply this year. While the currency's slide has been a major factor in the Nikkei's improved performance since 2012, the yen is flat against the dollar so far in 2015.

Underlying economic strength is out, too. Japan is flirting with a return to deflation and Prime Minister Shinzo Abe has struggled to implement crucial structural reforms. After a sales tax hike in April, Japan's economy grew by exactly 0% in 2014.

http://money.cnn.com/2015/03/12/investing/....html?iid=HP_LN

buy into a BRIC fund in FSM (m'sia) then let the FMs to decide on the allocation and its timing to go into Putinland?
select those that has research office in there would be a better choice...?

at times i really think that "they" are listening in...

Your question...."What will happen to bolehland UT n stocks after GST in term of performance?"

FSM answered:....
GST Is Coming. Do Not Panic.....March 13, 2015
Recent headlines focused on GST and have consumers worried about the cost of increases. Investors on the other hand are worried about its impact on the economy and financial markets. We try to evaluate the impact of GST by looking back into history and analyzing the impact of tax implementations or tax rate hikes in some of these countries.
Author : iFAST Research Team

http://www.fundsupermart.com.my/main/resea...?articleNo=5624

you see tipsy....at the end of the article
I see this......at the end of that article..
"Given that the cost of living would certainly increase with GST, it is more important that consumers try to invest as equities have historically proven to be a better hedge against inflation given their ability to pass cost increases to end consumers.".....
almost 2 yrs portfolio still cannot beat inflation-leh...

MOre women coming and joining this thread SOOn?

How Women Can Boost Their Financial Confidence...... March 13, 2015
In this article, we suggest some ways to help women boost their lack of financial confidence.
Author : Fundsupermart.com

http://www.fundsupermart.com.my/main/resea...?articleNo=5625

see, I told you so...they are listening.....
pink suggested going into Putinland this morning....
FSM HK upgrading Russia to 4.5 stars Very Attractive rating....just now.

Upgrading Russia’s Star Rating to 4.5 Stars—Very Attractive!...... March 13, 2015
In this article, we will dive into the latest happenings of Russia and highlight the market’s investment values.
Author : Fundsupermart.com

http://www.fundsupermart.com.hk/hk/main/re...?articleNo=9467

pink you are my man

This post has been edited by yklooi: Mar 13 2015, 09:21 PM

OH-NOoooooo


But I guess ......

....images wrong sequence.


Good MOrning to all of you.....
in good mood today...watch 50 shades...last night

This post has been edited by yklooi: Mar 14 2015, 10:02 AM


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check this commentaries out?
Double CLICK on the fund name
[Commentary based on data as of end-March 2014] 1 yr old but I guess it still applies

http://www.fundsupermart.com.my/main/resea...tormaincode=All

This post has been edited by yklooi: Mar 14 2015, 12:07 PM

good suggestion....
for more info on "How to Pick Quality fund"
http://www.fundsupermart.com.my/main/resea...?articleNo=5459