He pointed these funds can perform if your timing is right. On retrospective, how many can of these new PM funds investors can time the market even experts can't

Within the pool of funds from PM, there is no peers to compare, unless you buy from other mutual funds platform which allows you to compare for the same sector or market segment... And if they could compare with better funds outside, they can see how poor most of the PM funds performance

focused on only 1 fund that only focused on a sector of the economy of that individual country is a very high bets investing,,,,,diversify the port, monitor and make changes in tune with the individual needs and expectation that changes with the environment...

like maknok mentioned...."whoever recommend you that fund should be shot to death.."

This post has been edited by MUM: Oct 1 2018, 11:54 AM

I believe most of the PM investors trust their PM agents with their investment until too late ....

yes, that is true too, but
i think at times...it is the investors that got it wrong too.......
they think that they can stomach the risk
they think that they can afford to lose some money
they think that they can afford to bet big and focused narrowly on it
they think that they are young and can afford to the periodic volatility and to invest long term
they think they know they risk appetite
they think they are well prepared to accept the outcome
they think they are what they think they are......until testing times revealed the truth...

May I know what funds you buying? 5 years impossible still loss, all my funds more than 5 years also got profit. U cash out dividend or repurchase?

while waiting responses.....many of the info by him are posted in page 77 under a few posts.....
check them out??

Then should agent problem lo. The agent should ask him switch funds if performance not good. 5 years time should get some better return la

maybe post 1545 applicable?

How to Beat EPF?

In the previous post, the 10-year annualized rate of EPF in the past 10 years from 2008 to 2017 was shown. It range from 4.50% to 6.90%, and a simple average of 6.02%.

While it was shown that some funds can have better returns than EPF, we should also note that EPF is the biggest mutual fund with 7-8 hundred billion in assets, and have huge revenue flowing in every month, was established more than 50 years ago, and have both in-house and external 3rd party investment teams running the show.

Needless to say, EPF can compete and outperform against many conservative mutual funds. To beat EPF, we will have to try a different field where EPF is not playing and not going head to head against it.

What fields to play? Aggressive small-cap funds, and non-local funds. And this is supported by the funds that beat EPF:

Public SmallCap Fund. 10-year total return: 136.96%
Public Islamic Opportunities Fund . 132.8%.
PB Asean Dividend Fund. 94.4%.

(If not mistaken, all the above 3 funds are oversubscribed and closed to fresh investments.)

Funds that were launched less than 10 years ago:
Public Far-East Alpha-30 Fund. 5-year total return: 101.5%
PB China Asean Equity Fund. 102.2%

When to play? EPF is in the market 24/7. To beat them, the ordinary investor has to stay in the game too.

Dropping in and out of the game (at random or following market noise or can’t handle the ‘paper loses’) means losing the game, unless of course the investor can perfectly time all his entries and exits.

So, what is the likeliest method to beat EPF? Long term buy-and-hold method. No short term timing – that is buys and sells frequently.

When to buy/invest? All the time. As and when you have spare money to invest.

What about those 10-year economic cycles? What about them?!!!

Buy all the time – whether the market is up or down – without timing… since your “long-term” is 20 to 30 years… even a 40 years buying cycle is possible if started at age 20.

What if you don’t have 10, 20 or 30 years to buy/invest continuously? Well, if you can’t beat them, you can join them.

Put the money into EPF. Or you can try your luck and put some into an equity fund too.

=========

If you are a short term player or planning to time the market, you may be interested to know that there are several funds with satisfactory YTD returns. Just to let you know what is possible... good luck!

PB Islamic Dynamic Allocation Fund
Public Islamic Global Equity Fund
Public Strategic Growth Fund

(Check their YTD returns since 29 Dec 2017.)

PSSCF, i never cash out the dividend

Then should be your agent problem

Unit trust consultant should not do a crystal ball things....

do you think they are allowed to tell you what one should buy and hold for the future?
do you think they are allowed to tell you what one should buy that is against the needs of the investors? (if investor wanted possibility of high growth, would he suggest a bond fund?)

https://www.fimm.com.my/wp-content/uploads/...duct-220113.pdf


if got time and free, can read this for more info about putting a distinction to the advice freely provided by agents for financial products and the work of independent financial advisors (IFAs).
Will the real financial adviser please stand up?
Read more at https://www.thestar.com.my/business/busines...9rodwMqcLyRe.99

This post has been edited by MUM: Oct 4 2018, 07:25 AM


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My UTC only say keep DDI

Apart from buying low, he/she would get a few % out if your ddi amount....☺

DDI with due diligence and choose funds that are not so volatile. else ur moving average will haywire

got dividend for PSSCF, just got half than what I got from asnb dividend, even both also invested about the same amount, lol

ouchhhh lol

people using UT and treat DCA like a god owhhhh.

how about rebalancing?
geographical region should not be the same for the past 40 years. isnt it?

and holding 1 fund for 40 years also not recommended. isn't it?

Have you check whether these funds which you have mentioned here are available for investment via EPF? Similar to your previous post where you have analyse and compare the performance of EPF vs some selected funds which you mentioned could beat EPF?

A quick check show otherwise...these funds are not available under EPF investment scheme. Perhaps you could just limit the analyse and comparisons to those available under the scheme instead.

This post has been edited by markedestiny: Oct 8 2018, 01:36 PM