It is going to go up very soon. I am still positive about it. If today KLCI remain positive, you might top up at higher price than yesterday, but no harm for long term.

Welcome, I learn from my mistake but I want to try my judgement. I made some bad decisions in stocks. I would like to see how my judgement on UTs goes. Indeed, if I park my UTs in bond fund, I would maximize my profit.

Since I am young, no harm taking more risk and learn.

It is still depends on the portfolio, past performance just as track record, it does not reflect the future value.

So far, just have the taste Public Mutual only. Of course, there are some good fund beside PM's.

When the NAV offered is low, it is actually cheap 'psycologically', people tend to buy cheap things.

I would say new fund would have a different dimension and can tackle the market follwoing the latest trend. Some old fund is holding on stocks for years.

All UTs will hit badly by the European subprime issue now. Need to borrow 160b some more. Headache. Go top up if dare to.

---

Added on August 10, 2007, 10:30 amReally need to switch to preserve my profit? If another 50-100pts, all will be gone.

This post has been edited by shih: Aug 10 2007, 10:30 AM

What playing in my mind is PFEPRF. If the manager have not make a move, properties stocks already suffered a lot and have a bullish prospect. Headache.

How much you top up in one time? You have been topping up alot since the subprime woe.
You earn a lot kah?

I dont care how much bullet you have. I just curious about how much you top up each time only.

OMG, I dont know when will I have 5k to top up my UT in the future. For me, top up is like RM100, 200, 500, 600. Never more than 1k.
Hope one day I can afford like you.

I bank in in Public Bank last time. Now have PBebank, so top up using online banking too.
3k also very much for me. I think my initial starting pay for 2 years also not that much.

---

Added on August 10, 2007, 2:52 pmBtw, what is your investment objective for your UTs? Just want to let your money work for you? or retirement plan or children education plan?

This post has been edited by shih: Aug 10 2007, 02:52 PM

I see. How old are you? Did you agent help you to plan? or you do it manually.

Ok, I wish when I am 28, I will be able to have a good 'working' financial plan for myself.
Now need to work hard to earn money.

I start investng since 19 but not a regular one. Now the UTs already making some return. So I was thinking if the recession is coming, it is better for me to swtich into bond or cash out for other purpose.
I do not know when to sell yet, I need to learn more about this. I only know when to buy only. Ironically, I dont have much money to do so, you know lar.... fresh grad.

I think the computer system have the initial investment form agent as the default one. So, whenever you miss it, they will put in the same name.
You can invest without the agent name but someone else will fill in that blank for you. End up earning the commission without doing job too.

I sold most of my funds, just have a few dividend and bond fund left. Market is not good now. After locking my profit, I am going after PCSF for long term investment and other funds as well. Eyeing on PRSF.

Actually, I am going to start working, so no more stock market monitoring or forum anymore soon. I leave a few funds which is still in negative inside for medium to long term investment, will start to top up after some time to drag the cost per unit.

dzi921, you need to stand firm on your principle. Set a cut loss point for your UTs. Because markets wont crash in one day, but a more than 10 pts for a few weeks time is not good for everyone. You wont notice the little difference every time.

My profit for my fund actually shrinked ~15%. So, I just need to go when I still have some profit with me, around 20-50%. For those funds which cannot escape, I need to have a PLAN B for them. Besides, I kept 2 funds will profit inside so that I can switch to the long term investment whenever timing is good.

So far, kept my PBOND, PSBF, PDSF. And those not doing well one includes, PIADF, PGBF, PEF and so on.

I cannot say your move is correct or not, as long as you are happy with it. Of course everyone have the time to escape, i am one of many now. The thing I am worry is, when people start losing money, they want to win it back even the timing or luck is not on their side.

How serious is the market? If I rate it from 0-10 for the seriousness, I would say 7-8 now.

Thank you, athlon11. Actually everyone has their own investment startegy, mine might not work for other people and vice versa. However, it is good to share things and do some comparisons. I would like to come here to see how things going on here. Hope you all have some good time also. Good luck!


This post has been edited by shih: Aug 17 2007, 11:18 PM

The reduction of interest rate is not the best solution for this issue. There might be looking good now, but for coming weeks, I am not sure. When bad news come, they tend to come one by one but separately. I am not so positive even the interest rate being reduced 1%, it is just pushing up the inflation. If you are patient enough, wait until all the subprime being cooled down.

Look into the picture, dont just look at the picture.

A good day to sell some of your units, if you are escaping. Lock some profit up and continue to play for long term.

Switching is not a bad idea. Lock your profit.

Dont worry about market crashing, preserve your capital if you dont feel comfortable.

When market crash, you play in another way. Pick the correct timing, you could easily double up your return in 5-10 years time after market grow after recessing.