may i suggest that you refer fund fact sheet of each of these fund....
the fund fact sheets "most probably" has the country allocation chart showing the % allocated for each countries....
in case of single country focused fund...it will not show the % per each country.

Plot the % down onto an excel file....
then see where is the countries and % allocated for each fund...add them all up to see the total of % and countries allocated for your portfolio.
Separate them into Equity and Bond funds....

do you like what you see?.....
(it seems that your portfolio are mostly focused in M'sia...)
(If M'sia were to kena hit (like rating downgrade) ALL in your portfolio also kena....)
there is NOT right or wrong..just your individual preference....

based on 5 yrs...that time US is having QE...every where also make monies...
now with QE stopped, interest rate will be rising, M'sia Oil price dropped, RM currencies dropped..

just a thought...

salah salah salah

u cannot assume historical returns to repeat consistently in the future

Actually.. you should've asked here first.
  We would all give opinion freely one.

1. set your risk appetite
2. Plan your portfolio (good refence is FSm's portfolio)
3. Post here to know other ppls opinions
4. Look at xuzen's balls

Due to 1mdb issue and oil price. Low growth expected in Malaysia. We are looking at emerging markets/asia ex japan now.

But hey. Up to you. You bit the bullet. Now wait and pray for the best.

7% ROI pa...looks like can achieves...
if cannot achieves this year or next,....try longer terms lor 

(I used my assumption for low end of the expected ROI %)

Affin Hwang China Growth fund just did a 4% gain in 1 day ...see post # 1018 page 51

Good choice actually if you like mostly local funds but too many overlap. My choice would be below

KAF Vision Fund - Malaysia small cap - large cap dynamic allocation
Eastspring Investment Small-Cap Fund - Malaysia small cap
Kenanga Growth Fund - Malaysia large cap
CIMB-Principal Global Titans Fund - Developed countries large cap
CIMB-Principal Asia Pacific Dynamic Income Fund - Asia xJap large cap
Affin Hwang Select Asia (Ex Japan) Quantum Fund - Asia xJap small cap
RHB-OSK Islamic Bond Fund - Malaysia
RHB-OSK Emerging Market Bond Fund - EM
RHB-OSK Asian Total Return Fund - Asia xJap

U already used that word

Recommendation is never a guarantee

FSM UT is 20% of ASB UT.

But yea I think ill increase Ponzi 2.0 a bit.

see post# 8, page 1 for what is Ponzi in FSM.

I would suggest use the EPF as the bond asset...(Leave it there and consider it as bond)

just an article from FSM.....
How Did EPF-Approved Funds Perform In 2014?..... February 11, 2015
We recap the overall performance of EPF-approved funds in 2014
http://www.fundsupermart.com.my/main/resea...?articleNo=5522

Buy. You have something which some of us don't have......Time and Rule of 72.

Practice monthly DCA or for better effect, Value Averaging. Use the 3% signal principle.

I consult my Algozen™.

Some rely on experience.

Some tembak and got lucky.

Some rely on reports given by the fund houses.

All of the above.

Xuzen

if you trust them...can try this...
STAR RATINGS FOR THE VARIOUS MARKETS
Funds investing into these markets may not be available on our platform as yet but we hope that investors can review these star ratings to understand better our views on the various markets. Regions that our Research team covers.
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo
Dollar Cost Averaging Method
http://www.fundsupermart.com.my/main/resea...l?articleNo=118
How Did Dollar Cost Averaging (DCA) Fare Over The Past 100 Years?
http://www.fundsupermart.com.my/main/resea...?articleNo=2069