if u mean pure india , Manulife India Equity Fund - MYR

vietnam hard a bit in msia, limited choice
if go FSM SG got some choice...

If Vietnam no choice oledi 😅

I just invest in ASEAN fund , let the fund manager do the job.
If they think Vietnam really damn good, they will help me invest .
i did see them slowly increase in Indo expose

This post has been edited by ironman16: May 1 2021, 07:05 PM

i dun know to predict, i just let manager settle

Public e cash deposit not bad,
Some with public enchan money market ( hope the name correct)

I use morning star

at first wanna find something about AI, but FSM only got RHB Global Artificial Intelligence Fund - MYR Hedged, which i dun like RHB + wholesales fund (i ikan bilis)

that time PM launch this Public e-AI....so i just tap in...

i like that this fund invest in artificial intelligence (AI) technology stocks ......

this fund really suitable for DCA bcoz can swing up swing down in just a few day

but the downside is sales charge 3.75%.....

mostly my new fund in PM is AI + ESG fund......

i oso newbie + ikan bilis in UT

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This post has been edited by ironman16: May 25 2021, 05:31 PM

Deleted

This post has been edited by ironman16: Nov 6 2021, 09:25 AM

guidance from the frien? if ur frien is agent, just use the code....others wise dun wanna guide u oledi.....

u wanna guide mcm mana......step by step in PMO?.......like this all ppl in this forum oso can guide......

i last time register PMO myself and go explore myself.....unless u older than me lo.... .....my age oledi almost 44.....i can survive.....u cant survive ?
Last time i first time know UT, straight forward register PMO.....after that , realize got FSM, after that know PRS, follow by Stashaway, Allocate plus.........

i sekali hantam semua (belajar semua)......

the problem is ada niat atau tidak....

any where......is ur money, ur choice ......

all the best and welcome on boat....

why sell ? ......why dun just switching to the fund u like?..........

u buy from banker ? bcoz saw u hold PB series fund......

i now prefer e series fund....cheaper..... .....i seldom sell, mostly switching .....jimat sales charge ma......

u oso use PMO do investing ?



This post has been edited by ironman16: Jun 25 2021, 12:53 AM

u better register account for ur self.....dun mix with ur mum.......u wanna help ur mum manage is ok.............bcoz ur mum risk is not same with u.......

sure la banker ask u redeem n buy again ma.......u pay sales charge again ma............u switch, they eat what ......

not sure ur mom how old , but normally when we getting older, the equity fund with us will reduce gradually.......n take less risk fund .....
reason is we dun know when we gonna use the money inside the fund for "surviving"............
High risk fund take time to become profit...........
i'm just not recommend take too much equity fund with high risk......balance fund /bond fund/ MMF still ok.........if can, just control the equity fund below 30% ~ 40% of the portfolio (normally i use 100 - age , ie: my age is 40, so the equity fund is 100 - 40 = 60% of my portfolio) , assume my life is 100

if u r conservative investor, reduce the % ........

i will suggest u open new acc n start ur own investment........
u can try buy this fund bcoz is global (mostly in US), i wont buy it bcoz i got 2 fund (e AI and e carbon , which both is global).....
mostly my fund in FSM n Affin hwang (Allocate Plus apps)..............others oso got stashaway/ Akru..........now dive in Crpto but play small only (try control below 5% of my portfolio) ..........

any way, i'm not cert financial advisor.......just normal investor aje......

may b others sifu can help u oso..........

This post has been edited by ironman16: Jun 25 2021, 11:41 PM

u just 12 year old ?....... ........at that age, i'm still playing basketball n cycling only.....

actually u can list down the fund u hold currently in % (not need $$).....
here many sifu can help u flip2......every body got different points...........later u just make ur own judgement.

mostly we do is DCA, mean monthly contribute to enter the fund............bcoz we not pro in timing market........unless u pro....
if u pro, just buy at the lowest point, sure u win if u sell in high point several year later......

i prefer DCA + timing , with the help of PMO...........set some amount enter the fund monthly, if dip occur (like previously a few day/week)....i manually switch my fund enter again (mostly i do like this)..........

Public got rule switching within 90 days and after 90 days, u go do some homework.....if ur invest capital reach certain amount u only got certain times of free switching (i think is after 90 days) yearly >>> mutual gold/mutual gold elite/ mutual platinum
https://www.publicmutual.com.my/Menu/Priori...ces/Mutual-Gold

so u mean this investment actually is urs?.............not ur mom/parent ?.............if u still young , just aim for higher equity and less bond fund........unless u wanna use it in short term (like, marry/buy car/buy house/.........), money that u wanna use in short term , we normally place in MMF/bond fund that with low risk (low volatility).....


## i saw u still online, but i'm old man liao......sleep first

This post has been edited by ironman16: Jun 26 2021, 12:54 AM

b4 u start invest , make sure u prepare enough Emergency fund, jgn suddenly u said u need money urgently and u redeem ur fund in loss, then u curse ppl/Public sux bcoz performance lousy.

Emergency fund :
prefer at least 6 month of ur expenses (based on ur job, stable or not)
Normally ppl put in eFD/FD promo/MMF.....bcoz of liquidity (not return o), can withdraw in 1 or 2 day .
Unless u parent is rich n can support u if u need money urgently, but better prepare urself, who know....

Investment:
If u no time to manage ur investment, why dun just try robo-advisor (Stashaway/Akru/...) or managed portfolio by some company, of course la u gonna pay some management fee.....

OR u still prefer manage urself. draft ur portfolio outline.
Determine how many % equity : bond (suggest u 70% bcoz 100 - ur age)........if u more aggressive investor like me, go for 80% equity or .....u decide.
some ppl got Amanah saham (1/2/3) or sspn i..............so they serve it as bond fund (sure stable one ).......up to u.

mostly bond fund ppl pick locally , mean msia bond fund.

equity fund u can decide what geographical asset u like , may b:
Global 20%
Asia Pac ex japan 20%
Msia 30%
Asean 10%
others (tech/Reits/ Gold/China/Singapore/Vietnam/......) 20% ,prefer each around 5% to 10%

hope this can help u as guideline only.....

i not cert financial advisor......just normal investor only.

Overall i don't mind the votality but would prefer to gain return at around 20% in medium term (3 years would be best but 5years is acceptable also) instead of long term.
i think he/she mean 20% in 3 year (if worst case 5 year oso accept).....

if annually 20% continuous ...... ............he/ she only can go with stock/crypto/...........

this Global Select not bad (i think got invest in ETF)......i use to hold it.......but recently switch to others
between US and China, i bet on China ................. ......may b wrong choice .....

but remember got sales charge, through PMO may b 5.25%...........not sure ......buy it long time ago.....

This post has been edited by ironman16: Jul 12 2021, 12:15 PM

As yklooi mention.
Remember that Public oso got switching charge within 90 days and after 90 days.
Oso switching through pmo and form fill.

Go do some homework first Bcoz is long term investment.

but i saw no switching is allowed .....>>> mean only can sell/redeem ?

https://www.publicmutual.com.my/LinkClick.a...M%3d&portalid=0
page 3

This post has been edited by ironman16: Sep 3 2021, 02:47 PM

If like this long term not worth le 😅
Force me kasi duit le

Ya lo, may b.
I though PM change strategy liao, wanna attract ppl.
🤔

Lowest in PM but still high if compare others ma, hope can improve a bit