Coming in. Tumpang lalu.

REGROUP. REGROUP. I have intra switched the profits or switched out completely from a few equity funds into bond funds these few days.

No point pounding my head against a brick wall. We need to be fluid like water sometimes.

This post has been edited by Vanguard 2015: Apr 29 2015, 11:02 PM

Doom and gloom predictions have been around for years. They were there before we were born and they will still be there after we leave this world.

We just have to practise asset allocation and do the best we can.

On a different note, I was surprised to see the amount of your investment. If I had knew, I would have advised you to diversify more. At least 6-8 equity funds and 2 bond funds. I believe you have zero bond funds now? If my assumption is correct, you have a super aggressive portfolio which is extremely vulnerable to the market forces. This may leave you open to panic attacks when the market goes down.

But all is not lost. You can re-structure your asset allocation later once it turn green again.

May the force be with you.

Don't cry sis. Can top up again if you have extra ammo. I am planning to top up a lot on Japan once my reserve troops arrive.

No, I took profits or intra switched the following equity funds into bond funds:-

(1) AmREIT (switched out completely);
(2) RHB OSK China India (switched out completely);
(3) Libra Consumer (switched out 1/2);
(4) KGF (took profits); and
(5) EISC (took profits).

I have no more reserve cash to pump in for now.

This post has been edited by Vanguard 2015: Apr 30 2015, 11:06 AM

My 2 cents view....please don't get offended. I think you are too heavy in RHB-OSK China and Manulife India. These are high risk satellite funds which should form part of your supplementary portfolio only. At the most, you should buy maybe 5% to 7% for each of the fund. Therefore, they will form about 10% to 14% of your portfolio. Currently they form about 40% of your portfolio. You will have sleepless nights if China and India markets collapse.

Again, no bond funds? This should be 20% or at least 10% of your portfolio.

Of course I am only making a general assumption without knowing your age, income level, risk tolerance, etc.

This post has been edited by Vanguard 2015: Apr 30 2015, 10:57 AM

I thought I should entitled to better interest rates since I gave you free advice?

The annual return for bond funds ranges from 3% to 10%. It can be short term, mid-term or long term bonds. The risk rating can be from 1 to 5. Since you already have a high risk portfolio, aim for bond funds with risk rating of 2 and below.

I will only show you the tree. You have to choose the fruits. Please read the FSM webpage for the different available bond funds and also FSM's recommended bond funds.

Good luck!

If that is the case, you may not need bond funds since ASB give better returns. The ASB will form your spare ammo or reserve troops if you need to do DCA or Value Averaging later to take advantage of the market corrections.

Financially you are in a much better position than the average investor.

Your main concern now is to re-balance your asset allocation later. If I had your asset allocation and since I am not rich, I will not be able to sleep at night.

Logout. Catch you later.

I believe the sifus in this forum have answered your question. To minimise the risk, perhaps you may want to restrict your portfolio to bond funds with risk rating of 2 or below. Bond funds with higher risk ratings will also fluctuate like equity funds.

For example, I am now holding the RHB-OSK Asian Total Return Fund with a risk rating of 4. To date, the paper loss is -3.66%. It is the second worst performing fund in my entire portfolio.

Hi Propofol, I believe Cybermaster has already answered your question.

If I may add on, for Muslim investors who are interested in halal investment only, they may wish to restrict their global investment to Aberdeen Islamic World Equity Fund. I believe this fund does not invest in sin stocks such as alcohol or gambling.

I am happy to see that all the Asian share markets are in the red today. I hope they will continue to go down. By the time my equity funds are converted into bond funds, hopefully the timing would be nice to buy in.

To quote Warren Buffet, “Be Fearful When Others Are Greedy and Greedy When Others Are Fearful” .

Eh, so I guess I am one of the most unpopular forumers here?

But I have never made money in a rising market before....only in a falling market.

Please don't ban me OK?

This post has been edited by Vanguard 2015: Apr 30 2015, 04:16 PM

No idea. Your guess is as good as mine.

Pink Spider, do you know what happened to the fund? It is bleeding red and becoming an eyesore in my portfolio.

Valuation still expensive. Ask KLCI to fall another 10%.

And the reason you didn't take the plunge is because...

KGF is hoarding more cash? Cash reserve of 24% not enough?

Err...my office is on the 13th floor...

But seriously, a correction is long overdue.

The question now is whether I should think with my balls or with my brain. My heart tells me to switch out completely from KGF and EISC now into bond funds. My brain tells me to think rationally and sit out any possible storm. Decision....decision

This post has been edited by Vanguard 2015: Apr 30 2015, 10:31 PM

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.