Any idea why dropped so much today?

Russia cuts key rate in bid to haul economy out of recession

http://www.thestar.com.my/Business/Busines...sion/?style=biz

Idea Of The Week: Two Misunderstandings Equity Investors Commonly Have About Funds[30 Apr]


There are investors who still hold common misunderstandings toward unit trusts. Many of them are stock buyers who value fund investments based on their stock investment experience, give up on unit trusts and go for stocks before they truly master the concept of unit trusts. The following are two common misperceptions on funds.

1. Unit trusts only suit elderly people.
2. Unit trusts are only for long-term holding.
In this "Idea of the Week" segment, we explain these misunderstandings.

URL: http://www.fundsupermart.com.my/main/resea...?articleNo=5793

1. UNIT TRUSTS SUIT BOTH STABLE AND AGGRESSIVE INVESTORS
2. UNIT TRUSTS MUST BE HELD FOR LONG?

heavy selling on petronas related counters, plantation & banks heavyweights

Another US sell off. Dropped >1%

the time will come, the time will come.....
in the meantime.....


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vader rocks... lol....


eh. btw. should we treat UT this way? as in when we see markets dropping, we hold until it's low enough b4 going in.

or is it that the FM should already know to not throw that money in the sea yet n therefore we can go in anytime.

if one does not have a portfolio yet, or want to reorganize it, know what you want for your portfolio, get them slowly
like the Jedi master teaches...go for the "weakest" one first.
IF the fund is regional/global that has wider mandate (especially those that did not state...example, "The fund will remain invested at 90% at all times") ...Let the FM do the job....
ELSE, one has to be the controller...

a post by forummer j.passing.by at post# 2916 has some of those advise....

https://forum.lowyat.net/topic/2466037/+2900

btw,...I am still struggling to shift, turn and revamp my portfolio till this day..... ...
called true live emotional learning based investing....
"By recognising that listening to your emotions when investing can be an innate weakness, you are taking an important step towards a more successful investment experience".

why am I still learning to shift, turn and revamp?
because maybe part of the reason is there.....Why “Buy Low Sell High” Is So Difficult".
http://www.fundsupermart.com.my/main/resea...?articleNo=2716


This post has been edited by yklooi: May 1 2015, 10:42 AM

This post has been edited by T231H: May 1 2015, 11:00 AM


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Happy Labour Day 2015

Dear sifus,
I need some advice here. I plan to include Asia fund exposure & bond fund to my portfolio. What about these funds below? Thank you.

CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND
AMB Income Trust Fund or ES Bond Fund

My current portfolio:
KGF - 29%
Ponzi 1.0 - 32%
ES GEM -39%

a rough guess....
many of the countries in yr current ES GEM is covered in your proposed to get CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND....

Hi, sifus are all on leave today.

Pending their return, Ponzi 2 OK, can buy. AMB Income Trust gives fantastic return because its volatility is high. One of the debt issuers under the fund defaulted before.

No global fund? You need some exposure to US and Europe. Try CIMB Global Titans or Aberdeen World.

Hope this info helps. Good luck.

for Taiwan, South Korea & esp. China/HK, yes. I checked the fact sheets for both, the top holdings for these 2 funds are different except for one company.

I'm surprised because AMB Income Trust rating is labelled as "1" in FSM. What about Eastspring Bond fund?
My overall UT investment amount is still small. Perhaps after I have more money than I shall consider diversify to US/Europe funds.

when the cold winds hits North Asia....
will "this" company be spared?
also I think Ponzi 1 also has some coverage in that region too

yes...as Vanguard said...get some Global that cover US/EU is better for the portfolio...anyway it is still up to individual.

U.S. economy grew more slowly than expected for Q1 2015

Fitch Says India Less Vulnerable to Fed Risk Among Fragile Five

http://www.bloomberg.com/news/articles/201...ng-fragile-five

Good question. You have to ask FSM for the answer why AMB has a risk rating of 1.

Eastspring Bond is one of FSM's Recommmeded Funds but the return can make you ZZZZ. Good for stablisation though.

As long as you are aware of the different inherent risks for each bond fund, you can still buy based on your risk appetite.

First of all, don't readily believed all the bs I wrote. But some certain bs do make sense, especially to my self!

I think you're reading that post wrong, no body has any control - not even the FM. It is ridiculous to think the FM has any control over the stock market or has his own crystal ball.

The first and main objective of an unit trust is having as many stocks as possible in the specified market category or sector. All the FM can to do is make a selection of stocks as wide as he could in that specific sector. To widen this FM's selection, an investor can pick several funds within this same market sector as well.

The investor can also diversified into other market sectors. But he need to be aware that with each diversification, whether within or out of the same sector, the diversification averages out the risk, as well as the gains.

Meaning that, if the investor is in a top performing fund in the chosen sector, any other new funds he later adds will dilute the returns. Similarly, if the chosen sector is already a promising sector, any new funds outside the sector will also dilute the returns.

So IMHO (my 2 sens worth of bs), an investor can also do very nicely with a single fund (which he has had carefully selected).

okay, please pardon as I'm about to be 'busybody' here...

There is only a handful of lessons, tips, insights or whatever you called it, in unit trust investments. Most of the articles I read in the past 2-3 years are repeats of the same matter again and again.

When reading them, one should know who the writers are addressing to - the young investor who is just beginning his working career and beginning investing into unit trusts, or the elderly investor who is also just investing into unit trusts but nearing retirement with a big sum of savings, or investor who started late with his/her savings and has another 2 decades or so towards retirement. Or even a investor who has a very specific financial plan - like savings to buy something in 3 years time.

So if the article is not addressing you, and if its suggestions were followed without much thoughts, one will end up with confusing thoughts after reading several of these articles.

We should also be aware that the articles are at times biased and the writer may be introducing and marketing a new fund, or simply try to drum up sales.

A good example would be the above opinion that a holding a single fund could be as good as, or even better than a widely diversified portfolio of funds. It could be disastrous for you, but it could be very appropriate for a young investor who is just beginning his/her working career, having a right attitude in his/her personal money management, putting aside excess and unneeded money towards retirement from his/her monthly salary into a small cap fund.

The small cap fund could be an aggressive and volatile fund. The young investor could, maybe, have the same investment emotions as you do... but this has nothing to do with emotions, or rather the emotion can be put aside with rational investment 'theory' (or bs.) Which is the past academic studies of the stock market (from the market in USA, obviously, since most financial articles in the internet are from that country) that shows that the small cap sector out performed the S&P 500 index.

The catchword in this single-fund-investment 'theory' to be successful would be 'long term investment'.

"Long term investment' is NOT "buy-once-and-hold" the investment for years, and years.

"Long term investment" is invest or buy regularly, be it monthly or quarterly, for years, and years.

(For those running out of years, this single-fund-investment would not work. )

Cheers.