My mistakes (if only i can turn back the clock and do some time travelling to and back)
Should have bought GOLD in 2006 and Sell in 2012
Should have bought into US Equities in 2010....
Should have sold all UTs in Early May 2013, except EISC
Should have bought into EI Small Cap in early 2013, then sell off in June 2014
Should have bought into Manulife India and RHB Big Cap China in early 2014
Should have bought into GTF in Oct 2014 till now gained 25%

So many "Should have"......therefore so many mistakes...
from so many mistakes do you think i am smarter now?...i think i am still making them continuosly....

Know what you want?
i wanted ROI.....i selected based on past performances....ended with Heavy M'sia.
i wanted Good track records......ended up realising "Past Performance may not repeat".
i wanted Good Risk Return ratio...ended up any thing can pop up to change the trend....

What i can say is.....(may be AGAIN wrong too)
Try a portfolio of funds that consisted of the % of allocation of funds and asset classes that can may you sleep well at night.
Buy in More when the regions is at lower PE.....don't just buy funds to the required % of allocation for the sake of diversification...b'cos the upside potential may be limited when the PE is high. (sometimes not true too.....during dot com era...PE of tech stocks did go up very high for some time too)
Like "vanguard" mentioned...if possible buy targeted fund from fund house that have 0% SC when switching from EQ to Bond or vise versa....(if don't have 0%Sc, but if the targeted fund is a desire...then ok-lah)
If unsure of own personal risk appetite...best is to buy funds that are region/global focused instead of single country /sector focused.
If possible select funds that gives the FM more room to play.....example...some fund has this mandate...(min 90% invested at all time).
If possible, try to plan and select well before going in......ELSE frequent changing of funds may cost you money..
If possible....will add in later..

So you see, With so many try and Ifs....
therefore it is better to get involves with alittle bits of cash...(Maybe a few thousands or more until it can pinch abit)
by being involves..it may gives you the "hand on" experiences on the emotional factors of investing in which books or forums can never be able to teach or make you feel it......
Just like S_X...no amounts of books or videos can make one feels the "wonder" or "frustration" of it unless one try it.

This post has been edited by yklooi: Jun 26 2015, 05:20 PM

Should have borrowed Ah Long and sailang on China fund in 2007

well we human always do mistakes.. if I can see the future.. Now I'm already multi billionaire

to be "about" exact...Sailang in Early 2007....RUNaway in Oct 2007 too...
IF only i know then.....
Many still entered in Oct 2007 and after that...



Attached thumbnail(s)

Hi, refer to the highlighted part, I thought all the bonds entitle 0% SC?
What i usually do is convert EQ to RHB cash management fund. Then to any other fund.
pls highlight if i do it not efficiently.

Thanks.

This post has been edited by Mayet: Jun 26 2015, 05:19 PM

if you sell EQ from FH A and buy BONDS in FH B 0% SC the sell again to buy EQ in FH C...will have to pay SC....
better if can sell EQ from FH A and BUY bonds in FH A,......when the opportunity comes...can use the monies in BONDs to buy EQ in FH A....that is what i mean...

when you do "What i usually do is convert EQ to RHB cash management fund. Then to any other fund".
then you will have to pay SC to other FH when you buy.

This post has been edited by yklooi: Jun 26 2015, 05:26 PM

Never too late to learn The Art of Astrologer now

Thank you

KLCI was down 6.34 points or 0.37% to 1,710.47 – the lowest since Jan 7 – and it is down 2.88% year-to-date.

Global stocks fell on Friday as equity investors sought to cut exposure to risk after Greece and its creditors again failed to resolve their differences, paving the way for a last-ditch effort on Saturday to avert a default, according to Reuters.

Among the key regional markets,

Japan’s Nikkei 225 fell 0.31% to 20,706.15;

Hong Kong’s Hang Seng Index skidded 1.78% to 26,663.87;

Shanghai’s Composite Index tumbled 7.40% to 4,192.87;

Shenzen Composite plunged 7.87% to 2,502.96;

CSI 300 fell 7.87% to 4,336.19;

Taiwan’s Taiex fell 0.15% to 9,462.57;

South Korea’s Kospi rose 0.25% to 2,090.26 and

Singapore’s Straits Times Index lost 0.76% to 3,324.39.

Fuhh..all oso dropped. My sale order not yet complete. If can get on Monday can topup asia ex jap

Mega sales arrives early!

Anyone attending Phillip Capital Investment Conference 2015 tomorrow?

Chinese Stock Plunge Leaves State Media Speechless

Rising up from the center of Beijing, not far from the Temple of Heaven, is the loudest voice in the wild east of the Chinese stock market.

It’s neither a bank nor a brokerage -- it’s the headquarters of Xinhua News Agency, long considered the “throat and tongue” of the Chinese government.

With the heady exuberance over Chinese stocks starting to fade, sowing fears of worse to come, investors are scouring state media for clues to the Communist Party’s thinking



URL: http://www.bloomberg.com/news/articles/201...anging-its-tune

Me. Btw, anyone knows the dress code for tomorrow? Formal, casual? My first time though...

I suppose casual will do

don't be too sexy okay.. then pak guard will give sarong to cover up

Serious answer:

i) Recall that US interest rate was very low for quite some time now. Because of these it was very cheap to borrow money from bank and buy up assets. Liquid cash is like water it will flow to the lowest point and start to fill up from there. Hence cheap money will flow to the assets that are the cheapest.

ii) Recall that many assets have been inflated especially the emerging market (bonds, stock-market and real estate)

iii) To cut the story short, should US raise rate, the trend reverse, money becomes expensive, borrowers will sell their assets to pay their debt. Since those easy money came in to emerging market when it is cheapest... it is also the where they will take profit first.

iv) Hence they will start selling these assets to pay back their debt in US.

It is just a reversal of money flow.

Xuzen

Emerging stocks tumble on China warning as Greek deadline nears

LONDON/MANILA (June 26): Emerging-market stocks fell for a second day, paring a weekly gain, as Chinese shares plunged on concern over valuations and Greece faced a deadline to secure a deal with its creditors. Russia’s ruble led currencies lower.

The MSCI Emerging Markets Index dropped 1 percent to 978.46 at 1:09 p.m. in London, trimming its first weekly increase since mid-May to 0.4 percent. The Shanghai Composite Index tumbled 7.4 percent to a seven-week low as the ChiNext index dominated by technology shares sank 8.9 percent. Equity benchmarks in Poland and South Africa slid 0.5 percent each. The ruble weakened 0.7 percent against the dollar, leading a gauge of 20 developing- nation currencies down for a fourth day.

'Showing Cracks’

Hong Kong’s Hang Seng China Enterprises Index sank to the lowest close since April 2 as Ping An Insurance (Group) Co. fell 3.5 percent to lead declines in the measure.

“China’s stock market is starting to show some cracks as more investors are questioning the sustainability of valuations,” Jonathan Ravelas, a chief market strategist at BDO Unibank Inc., said in Manila.

URL: http://www.theedgemarkets.com/my/article/e...-deadline-nears

This post has been edited by David83: Jun 26 2015, 10:37 PM

China Investors Get That Greater Fool Feeling as Selloff Deepens

Wang Yan is starting to regret that day two months ago when she gave into temptation and piled into the Chinese equity market.

“Back then, I thought I must be stupid not to invest in stocks as making money out of it was so easy,” said Wang, 26, who works for a publisher in China’s eastern Zhejiang province. “Now I think I’m even more stupid. The money I lost almost equals my one-year salary.”

As Chinese shares turn from the world’s best performers into the biggest losers, concern is spreading among individual investors who account for more than 80 percent of trading on mainland exchanges. The market’s reversal -- underlined by a 7.4 percent tumble in the Shanghai Composite Index on Friday -- is dominating conversations across the country as the world’s biggest population tries to gauge whether the worst is over.

URL: http://www.bloomberg.com/news/articles/201...selloff-deepens

Greece's Creditors Offer $17.3 Billion Package to End Standoff