I just checked my FSM account. Finally the details of my AMB Income Trust Fund have been updated after the income distribution after one month.

Before the details were updated, I sold off a huge chunk of the AMB Income Trust to rescue my China funds leaving only a small sum.

Now the profit column in my account for AMB Income Trust shows a profit of 129.85%. Wow. I don't think this calculation is right.

This post has been edited by Vanguard 2015: Aug 19 2015, 04:47 PM

Seems like a lot of hassle. Thank you for the explanation. I assume you have a FSM SG?

Based on my intelligence reports, Malaysia will not go bankrupt and will survive this challenging times.

Thanks again for your input.

IS IT A GOOD TIME TO SELL NOW?

If you fall under one of the categories below, then the answer is yes.

1. You have maxed out your credit card, took a personal loan, used your emergency fund, etc. to buy the unit trusts.

2. You need the money within one year to buy a house, buy a car, pay for your wedding, pay for your dog's funeral, etc.

3. You cannot sleep at night. You are logging onto FSM and this forum on an hourly basis to find out the latest bad news. You are also checking the share market constantly, etc.

4. Your performance at work is being adversely affected. So is your relationship with your family, your loved ones and your friends. You are getting bad tempered and prone to mood swings over minor issues.

5. The paper loss that you have suffered now is more than you can stomach. The bottom line is you have to work for the next 10 years to recover the paper loss.

Question : Have you reached any of the tipping point above?

Thank you. This is the first time that I have seen Pink Spider 'naked' since I joined this thread.

I am not an old timer. My personal views are:-

1. If you have RM100K, then please divide it into 10 equal DCA.
2. Why 20% RHB Asian Total Return Fund? This is a medium risk bond fund which will fluctuate. I would suggest 2-3 different bond funds (divided into low risk and medium risk funds).
3. Why 24% Aladdin and 10% GTF? If you wanted more European market exposure, then you could consider putting not more than 10% into TA European Equity Fund.

For the first time since I started investing in FSM, my portfolio is showing negative return this week. It is now hovering around -1.03%.

Tsk, tsk, tsk. This Vanguard wannabe fund manager should really be sacked. No bonus and year end increment for you this year.

Anyway I just topped up my non China linked funds today and added a few new funds to my portfolio. If my returns by December 2015 is less than FD rate, then time to close shop?

Never give up. Never say die. No retreat no surrender.

That should be our motto in life.

Extract from the book, "All About Asset Allocation" by Richard Ferris at page 17,

"Young investors should have at the core a savings plan. Learning to save is more important than learning to invest at this stage. A young person will likely try different investment strategies and lose money on most of them. But this is the time to experiment. Young investors have the luxury of time on their side. Mistakes are not large, because these investors have little money in the game and plenty of time to make up losses. A $5000 loss on a $10,000 investment at age 25 is much easier to overcome than a $500,000 loss on a $1,000,000 investment at age 65".

I guess some members here have suffered paper loss from the global rout last week. But I hope you will not lose heart. Just take it as part of your investment journey.

You will succeed eventually!

I have bought or topped up the following funds during the recent FSM Merdeka promotion:-

Top Up

(1) Affin Hwang Japan Growth
(2) EISC
(3) RHB Asian Total Return Fund

New Investment

(4) Eastspring Investments Global Leaders MY Fund
(5) RHB-OSK Emerging Markets Bond Fund
(6) TA Global Technology Fund

The eventual plan is to restructure my portfolio. This will involve:-

(a) cutting down my exposure to Greater China;
(b) increasing my exposure to global funds and European funds; and
© increasing my exposure to bond funds.

The first fund to sell in the short run will be the RHB-OSK China-India Dynamic Growth fund which constitutes about 9% of my total portfolio.

I have not decided whether to continue Value Averaging for the china linked funds (which is still bleeding) under category (1) or to top up the funds under category (2) and (3) above. Maybe to do all simultaneously? Decision...decision.....

My portfolio has been evolving a lot. The above funds are not the complete list of funds which I have now. Eventually I hope to cut down my portfolio to become leaner and meaner

Quoting Jim Rogers,

"Losing money is the best way to see what you're made of. Remaining resilient once you lose money teaches you about yourself and about the market.

It's better to lose everything you've got when it's only $5000 rather than $5 million. Losing money teaches you about yourself - can you come back? Will you come back? Are you driven enough to come back?"

I don't have a good reason for it. I just wanted to increase my exposure to some bond funds.

Good morning everyone. On this bright and cheerful morning, I wish to dedicate a song, “Please Release Me” by Engelbert Humperdinck to my China linked funds.

“Please release me, let me go
For I don't love you anymore
To waste our lives would be a sin
Release me and let me love again”.


https://www.youtube.com/watch?v=6S9ecXWCBCc...6S9ecXWCBCc#t=0

This post has been edited by Vanguard 2015: Sep 3 2015, 10:13 AM

I have not released the china funds yet. But I hope to do so gradually.

Eventually I plan to cut down my exposure to China funds as well. Even investors with high risk appetite like me find the china funds too volatile at times.

No regrets here. Both my new funds are in the red. Eastspring Global Leaders and TA Global Technology Funds.

Just continue practising DCA or Value Averaging.

Thanks for the advice.

My current exposure to china linked funds are too high. That's why I plan to reduce it eventually.

The usual problem ....greed, over confident, too much cash lying around (haha, the last one is a joke). That was how my portfolio became like a car which is out of alignment. I need time to re-align it.

I think china shares still have value and should form part of the overall portfolio. It is only a question of percentage forming the asset allocation.

Tuan Pengerusi,

Saya sokong kenyataan anda 100%.