YEs it is "normal" to fluctuates, but just how long will this down curve of this "Normal" market be before it start to rise as in the "normal' market that are 85% "played" by retail investors?

"It's a stampede. And the problem of the market is that all the players move in the same direction, and are too emotional."
http://www.reuters.com/article/2015/07/08/...N0PI04Q20150708

well, I think the above applies to ALL times...not just now

Good for you.....
just continue to monitor them.....because
1 of the 3 Misconceptions Of FSM Recommended Unit Trusts List is .
RECOMMENDED unit trusts = BEST RETURNS
.....Some recommended unit trusts might not be the best performing funds for their respective categories, and similarly, some of the best performing funds might not be the recommended unit trust for their category for a variety of reasons. ......
http://www.fundsupermart.com.my/main/resea...?articleNo=6041

yes,.....if YOU cannot take the heat...stay away from the kitchen.

Any investment carries with it an element of risks. Therefore, prior to making any investment, prospective investors should consider the following risk factors:

Market Risk

Any purchase of securities will involve an element of risks. As unit trust funds principally invest in listed stocks, it may be prone to losses as a result of global, regional or national economic conditions, governmental policies or political developments. Market uncertainties and fluctuations in the market caused by these uncertainties will affect the net asset value (NAV) of unit trusts which may fall or rise, thus causing the income generated by the fund to fluctuate from funds with higher risk, higher returns to funds with lower risk, lower returns.

and many more risk factors....

https://www.fimm.com.my/investor/abc-of-uni...ng-unit-trusts/

Buns are definitely much easier to "digest"

IMF welcomes China's new currency valuation mechanism
•12 Aug 2015 at 16:42
http://www.bangkokpost.com/news/asia/65320...ation-mechanism

just saw this....
When the stock bubble burst, did it take the rest of China with it?
By Wade Shepard...August 11, 2015
http://blogs.reuters.com/great-debate/2015...-china-with-it/

to some newbies or anti UTs people...this sifu IRR rate is a very depressing news....
newbies may be expecting more and anti UTs maybe saying not worth it.......for an almost Risk Free rate of 3.5-4% FD, self contribution into EPF abt 5.6% (Epf for long terms like Uts)

I guess newbies have to be eventually be brought down from the sky high....

added: want to know more abt why?.....read post " 1314

This post has been edited by MUM: Aug 17 2015, 09:00 PM

Thanks for the input....

added the link to this post in the earlier post# 1309...just incase newbies despaired, or anti UTs wanted to take advantage....

so with that, I think many people cannot have retirement....
can it be YKLooi just wanted to maximise the returns of his investment....?
I think, he is hinting that, in the next 2 yrs,...his portfolio IRR would not be above IRR 6%
cos,....I think he know that in the next 2 yrs, (as pointed by T231H)...his UT investment ROI cannot get 10%pa

wow...on 17 Aug you switched yr china funds to Bolehland....
from 17Aug till today, SSE downed abt 17%
how much did you switched?

some would and
some would and

Now almost all Asia Markets are GREEN, except Shanghai SSE (-4%)

now is -1.03%
FD rate is 3.5%
now till DEC is 3 months
to have 4.5% portfolio ROI in 3 months
(40% of your portfolio must have 10% Nav increase or 80% of your portfolio must have 5% NAV increases.......with the FED rate hike SOON)
GET ready your packing box(es) ?

but I think most of the time...most people would say..."UTs is for long terms.....Plan well, BUY and Forget for a few years, let the FM make the monies for you"....

Will Gold Really Hedge a Falling Stock Market?
A common perception about gold is that it can act as a safe haven in the event of a severe stock market downturn.

http://investorplace.com/2013/06/will-gold...t/#.VeWYw-EVi3A

the just few months ago concluded cycle starts again...
Ringgit down on Fitch downgrade warning
Wednesday, 2 September 2015
http://www.thestar.com.my/Business/Busines...ning/?style=biz

i think he is responding/replying to post #1919, page 96
"The last one was in July (dont remember for what)......."
so he replied.."It's the ......

This post has been edited by MUM: Sep 2 2015, 04:22 PM

after you had taken out the monies that had just banked into your OCBC bank, you will withdraw and use it to do a "8~10% return" investment....
then do you still need to use your own money of 2100 per month to pay the h/l?
isn't it the same as
let the EPF money auto pay the h/l thru OCBC then use your own money 2100 to invest in a 8~10% return investment?
(save the hazzle of having to got to the bank to withdraw and goto the bank to pay h/l again with own money)

pls correct if my vision is wrong here...

was browsing over some old postings...noticed your MOM returns..
in Aug there are some major global selloff....and yet your portfolio ROI and IRR just got affected by
0.3 and 0.1% respectively when compared to July....


whereelse yklooi got affected by a large %.
July IRR 4.13, ROI 9.16
Aug IRR 2.42, ROI 5.52

kimyee73 may I know how much is your M.O.M portfolio affected?
I maybe wrong..i guess you cannot beat David83's, in terms of portfolio stability....
btw, any regulars here got their M.O.M portfolio IRR beatings David83's portfolio's stability?
can share your portfolio % of allocation kah?

This post has been edited by MUM: Sep 6 2015, 08:26 AM