You lump sum only if you have cash on hand. If not, just perform DCA whenever you have the cash. It is not worth it to save the cash just to perform lump sum later as you'll miss on the return while waiting.

of course DCA wins lar... since both also DCA.

PS. Lump sum method actually means one shot. So you either tembak the 1 million at year 0 or 20.

Many thanks sifu sifu. haha.
Now i see the point.

Y not weekly dca

You can even do it daily if you want... as long as it meets the minimal requirement.

everyone of you holding small cap funds?

Since mid 2013

Greece bailout talks rescheduled for next week

http://www.dw.com/en/greece-bailout-talks-...week/a-18607848

Personally, i think the Platinum thinggy is useless.
I mean, if i have 750K to invest at "one place", U'd think i'd be better informed and have ways to do ETFs right?
ETFs with lower upfront cost and yearly costs.

IF FSM wants to encourage people to really go for Platinum,
do lar 0.5% or even 1% entry cost / service charge (average now 2%)
AND 0.88% yearly costs (average now being 1.75%+/-)
That's a simple half of the current average costs.

Until then, i'm still plonking mostly into ETFs these days,
just shuffling around my holdings in FSM & perhaps EPF investments since can't do direct stocks liao since May/June.

Just a thought

you guys do ETF?

Damn,,,...

I wanna enter also leh....

so many funds i mau enter.
no moolah to enter lol.


Hmm.... xuzen.... question.

when i open the charts and put 5 years or 10 years. the growth gradient is positive all the way.

One can take it as

1) Fund management is good. Consistent growth over the years. Extrapolating would mean continued growth. Probably.

2) it's so farking high!, Correction might happen. Global bear time? Every 7 or 10 years.

Any comments ar?

Idea Of The Week: Common Misconceptions That Young People Have About Investing [24 July 2015]

Many people avoid investing because they view it to be difficult and complicated. They think that investing is meant for those who know what they are doing aka the financial experts and older people. Well, they got it wrong. Investing is for everyone (well let's exclude babies) including young adults and it provides a huge advantage for people who start investing early. In this week's Idea of the Week segment, we examine some misconceptions that young adults use as excuses to avoid investing in unit trust.

1. I'M STILL YOUNG
2. INVESTING TAKES A LOT OF MONEY
3. IT IS DIFFICULT AND TAKES A LOT OF TIME TO STUDY
4. IT INVOLVES RISK

To help investors better understand the underlying products as well as the markets they are invested into, our Research Team assigns a simple risk rating to all the unit trusts on Fundsupermart.com platform. Our research team has also built the recommended portfolios as a guideline for investors based on different risk appetite. These portfolios are segregated by Conservative, Balanced and Aggressive portfolios.

To give you some perspectives about investing from your peer, read Retirement Planning Was Never On My Mind Until This! written by our ex-intern.

URL: http://www.fundsupermart.com.my/main/resea...?articleNo=6092

Market or index =/= Fund

If the index goes up and up and up and up, yeah correction may be due.

But if index yo-yo but fund goes up and up and up, the fund manager is doing a good job buying undervalued stocks and dumping overvalued stocks (repeat this over and over and over and over the years)

This is the simplistic view of things.

This post has been edited by Pink Spider: Jul 27 2015, 10:15 AM

didn't think of that in that perspective. icic...

is there any chance a fund still do good, while global bear is ongoing?
Fund manager have to be very picky about what they pick i think .

Don't need to look far...

Not to say I boasting...just to prove a point...

Past 1 year plus KLSE churned out negative annual return...

But my stocks portfolio gave me 18% annualised return for the past 3 years

This post has been edited by Pink Spider: Jul 27 2015, 10:37 AM

hmmm

So the gist is.

Choose correct fund management.

As I've always said...

When u buy UT, u are "buying" the fund manager's skills, NOT buying the market (u buy the "market" when u buy ETF)

So, index high and/or fund NAV price high may not matter, if the fund manager is good.

This post has been edited by Pink Spider: Jul 27 2015, 10:44 AM

also there are these consideration too
General Market Risk
Any purchase of securities will involve some element of market risk. Hence, a unit trust fund may be prone to changing market conditions as a result of:

global, regional or national economic developments;
governmental policies or political conditions;
development in regulatory framework, law and legal issues
general movements in interest rates;
broad investor sentiment; and
external shocks (e.g. natural disasters, war and etc.)

Risk of Non-Compliance
This refers to the current and prospective risk to the unit trust fund and the investors’ interest arising from non-conformance with laws, rules, regulations, prescribed practices and internal policies and procedures by the manager.

Manager’s Risk
The performance of any unit trust funds is dependent amongst others on the experience, knowledge, expertise and investment techniques/process adopted by the manager and any lack of the above would have an adverse impact on the fund’s performance thereby working to the detriment of Unit holders.

and more....
https://www.cimb-principal.com.my/Investor_...rust_Funds.aspx

My Maggi Mee cepat dimasak, sedap dimakan answer:

The fund manager is good. I attended her talk... she is good!

The 3 year annualised rtn is 33.38% p.a. The standard deviation is 17.04% p.a. The YTD performance is 20.81%.

What this means is that the fund is now currently in her usual performance. You only need to worry when the YTD hits 50% return! As at this juncture, she has a lot of legs to move upwards. Hence... go forth and enrich thyself!

I am doing DCA for small cap since mid 2013. I never sold her, even though I have long sold my fav Lee Sook Yee fund since Qtr4Yr2014.

Xuzen

This post has been edited by xuzen: Jul 27 2015, 12:30 PM

Bro, please pm me your private bank account number. I would like you to manage my funds.