i can see you use the word "if" in all you sentences (except the first) Yes, the outlook is so uncertain in this volatile market. Anything could happen.

Your strategy is safe. Good for risk averse investor. The returns will be correspondingly low though. For stock market YTD, it would likely be negative even if you invest in the whole world

In this volatile market I see opportunities. I prefer to identify them and take higher risk. And the rewards is high too.

We are now living and experiencing history in the making. When we look back in 5 years time, what we see today are significant events which happen only once in 20 years. I would rather seize the opportunities during these few months than play it safe.

Showtime747,

<< Your strategy is safe. Good for risk averse investor. The returns will be correspondingly low though. For stock market YTD, it would likely be negative even if you invest in the whole world>>

I am in a 64/36 allocation. So, my YTD return is around -2.3% to -3%. See below..

http://finance.yahoo.com/q?s=VWENX

<<In this volatile market I see opportunities. I prefer to identify them and take higher risk. And the rewards is high too. >>

I would assume that you do not allocate a large percentage of your asset to this effort?? Perhaps 5%??

Dreamer

http://finance.yahoo.com/q/pr?s=VWELX+Profile

P.S.: Wellington fund is the OLDEST mutual fund in the world. It was founded in 1929: 86 years ago. Right before the great depression.

This post has been edited by dreamer101: Oct 3 2015, 01:22 AM

negative returns? LOL!

my EXPENSIVE local mutual funds (but investing offshore) plus my KLSE stocks have been giving me 14% returns over past 12 months

now I know dreamer is truly dreaming!!

This post has been edited by Pink Spider: Oct 3 2015, 05:52 AM

Everyday is history in the making. Similar event occur regularly but in different form.

In total (liquid+non-liquid asset), my estimate is just around 15-20%.

In liquid asset terms, around 80%. I have used whatever I have to take up the risks and opportunities.

The difference between a successful investor and a fail one is the ability to identify opportunities and be ready to seize them. Of course some elements of risk is involved. No free lunch.

I experienced the AFC "the 1st RM depreciation disaster" in 97/98. I did not take up the opportunities then, solely because of my business which was unprepared and affected badly. I was caught by surprise. This round, I was much better prepared.

Whatever is happening to our RM and other currencies as we speak now is something huge and a phenomenon. If you think this 20 years once event is just a regular event, you are destined to be ordinary.

I expect the whole episode of this significant historical event to continue. The apex is yet to unfold. More to come.

In year 2035, When your children grow up and ask you what happened to the "2nd RM depreciation disaster" 20 years ago ? You can merely tell them to google and read in Wikipedia. For those who seized the opportunities, they can tell their real life experience and how they make (or lose) money. Much more interesting stories and real life experience which you could pass on to your children for learning

If you have not done something, or still cannot see the opportunities, you should start looking

Ringgit tipping point
http://www.thestar.com.my/Business/Busines...oint/?style=biz

Will N shape happen by end of tis mth?

I think his investm is 100% in USD , so in MYR terms maybe +30%.

This post has been edited by MGM: Oct 3 2015, 08:41 AM

That one cannot believe. THey said RM won't go past 3.8 last time. Sadly my parents still believe in them.

Maybe they believe Newton's Law.

I believed in that but not at this time. RM cannot come down within 1 year. RM will only go up once US is in trouble with its debts again .

Hey. I try full force asx now.

I sense this damn thing shall end in couple of months. Around 4 5 6 i guess.

syurkurlah RM1 still can buy few batang banana

RM1 still can 3 biji pisang goreng

still stronk

At my Kampung 1 can get 5 batang hahahaah.

City sucks.

Somebody would be so sad.

I have to admit now the country really in a sorry state. But too young to collapse. Because still have many big forces are eyeing on MY.

Let him answer lar, why u answer for him

Cannot compare, his mutual fund is investing in global, established, large cap stocks...whereas my portfolio is more diversified.
In those years when Asian stocks rallied, my portfolio would have beaten his...

If wanna compare apple-to-apple...
The closest I can get here is CIMB-Principal Global Titans Fund...

Y-T-D returns in Ringgit terms is +20.8% in spite of the weakness in US and Europe, all thanks to the weak Ringgit
http://www.fundsupermart.com.my/main/fundi...-Fund-MYCIMB010

Not too bad? Considering that I can conveniently invest in it at minimum of RM200.00 per buy transaction.

But to invest in that Vanguard fund...the transaction fees with foreign broker, it just won't make sense if u invest in small sums.

That's why I've always said, invest in offshore-managed mutual funds/ETF is not for ikan bilis investors, because of the transaction costs. Yeah, u saved on the commission, but the other transaction costs will eat into your gains.

When u give advice, u gotta take into account your audience.

It's like a Mr Millionaire saying that Mercedes-Benz C class is the best value car u can buy to an audience of youths who can only afford RM80K+/- cars.

They'd go, "Screw u...who doesn't know your mum is a woman..."

Correct me if I'm wrong.

This post has been edited by Pink Spider: Oct 3 2015, 09:32 AM

Yea. That's the main thing. Most of us are ikan bilis investor.... That's why I don't understand how those aunty uncle go globally..... The closest for them is only banks investment advisor. However we always know that banks will not let us win... HOWEVER the hidden charge will not more than the broker fees or forex whatever fee la.. I don't know but that's the only way for them....

And.. FSM is a good platform but do they know internet computer etc etc. And nowadays those who not computer literate will fall into phishing or key logger... One of my friend kena before... The money in banks all kena sapu and have to do police report and wait the money to come back up to half year....

Hidden fees?

If u read your fund prospectus, there is NO hidden fees.

The put-off of investing direct in offshore stocks/ETF/mutual funds is the fees and foreign remittance charges. Unless your transaction value is large enough (the last time I calculated, it'd be 4-figures sum), it's not worth it. U can actually open account with local brokerage that offers access to foreign markets, many have this service nowadays, or open direct with a foreign broker.

This post has been edited by Pink Spider: Oct 3 2015, 09:54 AM

Tak boleh tahan lah, why dreamer so slow reply one.