i see some of the NAV price has been dropping
is this a good sign for dumping money?

then post # 254 does not seems to apply as past, present and future are also "normal" because it is fluctuating.

Yes, provided you do the proper research. Aim for a good fund which has dropped 8% or more.

Invest using DCA or VCA for the next 6 months or so. Only do a lump sum investment if you have a high risk appetite. We don't know whether the "good" fund may drop another 10% in another month or so.

When Charlie Munger or Warren Buffett were asked how they think the market will perform for the next 6 months or 1 year, their answer was..."the market will fluctuate".

My 2 cents view. In theory, if the market goes down continuously for the next 10 years, nobody will invest in the stock market. Who would want to invest in a SURE LOSE game? Conversely, if the market goes up continuously for the next 10 years without a break, everyone will be lining up at the bank, Ah Long, chettiar for personal loans to invest in the stock market because it is a SURE WIN game.

Therefore we are experiencing a "normal" market now because it is fluctuating.

seems like the risk factor if way to high to dump money now
the thing is it's too uncertain in the next 2 years to even predict how the market would react

unless u have spare cash which you confident you would not need to touch for the next 5 years ....by all means go ahead

but if you still commitments lying around wishing to make some money it would be best not to ...

seems like the risk factor if way to high to dump money now
the thing is it's too uncertain in the next 2 years to even predict how the market would react

unless u have spare cash which you confident you would not need to touch for the next 5 years ....by all means go ahead

but if you still commitments lying around wishing to make some money it would be best not to ...

Switched my greater China to CMF2.

Since I am just new to UT, I think I want to try with DCA..

Switched my greater China to CMF2.

Since I am just new to UT, I think I want to try with DCA..

Those who attended FSM event at KL last weekend.

Any free gift, door gift or promo code?

I like the lucky draw ;D cmf 2000  whoohoo

Personally, i'll start nibbling on China stuff again after Shanghai Index goes another >=25%+/- down, making a total of 56%+ down from it's 52 weeks' highest closing.

Come on baby - FEAR!

Yeehah. Fasten your seat belt. By the end of this month, with the triple "disaster" of IMDB, China and Grexit, it is quite likely that a lot of our portfolio will turn RED and the ROI will turn negative.

Everything from Ponzi 1, Ponzi 2,  China funds to TA European Equity Fund will fall. In summary, it is the end of the world aka Armageddon.

As investors, I assume we have 4 options:-

(1)  Sell off everything and swear off unit trust forever. See other forums where "investors" have ranted that unit trusts are useless and "cheating" money.

(2) Stay put. Hibernate in a cave somewhere and wait for the storm to pass. It may take a few months or a few years for your unit trusts to recover if you made a one lump sum investment buying at the peak of the market.

(3) For new potential investors in FSM, wait for the "perfect" moment to buy the unit trusts at the lowest price and sell at the "highest" price later (i.e. market timing). Good luck and let me know if you succeed in doing this. I wish to call you sifu.

(4) Practice DCA and VCA for the next months or few years until thing stabilise. Then take profit or do portfolio rebalancing depending on when the markets rebound.

You used the wrong method. You should have intra switched your China fund into its equivalent bond fund. In this way, you earn credit points. Later when you switch back from the bond fund into your China fund, you incur ZERO sales charge.

Your current method of switching into CMF2 means you are SELLING your China fund. This means when you buy into the China fund again from CMF, you will incur the 2% sales charge again.

I think you owe me a cup of coffee.