of course cannot, just like the chart that he showed me.

I'm new to this, and just signed up for a FSM account. I have been looking at the CIMB Principal Asia Pacific Dyanmic Income Fund for the past few months, the returns over the past 3 years have been pretty superlative, but how do you guys know when is the best time to start investing in it? Past performance is no guarantee of future performance of course, and given the returns for this fund over the years who's to say the fund is past its best now? I'm looking at the country allocation, 4% is in China now when a few months ago it was around 15-20% I think, so I guess they pulled out of china when the markets there tanked.

I'm tempted to buy into the funds now especially with the 1% sales charge, my investment horizon is medium-to-long (4-5 years), any advice you guys can give?

buy every month, observe the price of each month, try to get at a lower price each month.

i am sure we can win in long term 

Welcome to FSM.

Diversify. Divide your funds. Use DCA for 12 months if you are investing RM10K or more. Perhaps you can consider:-

1.  1 Global Equity Fund
2.  1 Asia Pacific Equity Fund (ex Japan)
3.  1 Malaysian Equity Fund
4.  1 Malaysian Bond Fund
5.  1 Asian Bond Fund

Forget about supplementary portfolio, i.e. investing in a single sector or single country fund for the time being.

Put RM1K each in every of the above fund. But if you are printing money and are investing RM100K, then can put a bit more into each fund and DCA the rest for the next 12 months. You can also try Value Averaging if you have the time.

Note : Some sifus here would include an Emerging Markets Fund or BRIC but I find the FSM funds for these markets so, so only.

Decision...decision....where to start? Perhaps look at FSM's Recommended List of Funds as a starting guide?

Also read, read and read more on the topic of unit trusts. Good luck.

Care to explain how to use dca from fsm? Is the dca = dual currency account?

unless u can cun-cun day trade

Eh? No. No. DCA = Dollar Cost Average. Eg. if you have RM10K, you invest RM1K to open an equity fund. Then for the remaining 9 months, you deposit RM1k every month into the fund.

Q:  What are the New Account Benefits?

A: With effect from 02/02/2012, Fundsupermart.com Malaysia will be providing exclusive benefits to new account holders.
These benefits include:

1) Sales charge capped at a maximum of 1% (normal FSM sales charge is 2%).

2) Regular Savings Plan (RSP) sales charge capped at 1% for first 6 monthly deductions.

These benefits are applicable to UNLIMITED purchases of ANY unit trust, up to a period of 30 calendar days upon account activation.

more in here
http://www.fundsupermart.com.my/main/faq/0...t-Benefits-5904

Haha.. Emerging Markets not your taste?

Like this sure incur SC of 2%. No? if yes, isn't it better to dump all rm10k inside while SC is 0% (new member feature given by fsm)

No one recommend gold/minerals UT?? Have some gains in recent time

No one recommend gold/minerals UT?? Have some gains in recent time

I consider it as part of an investor's gambling portfolio. I used to have AmPrecious Metals. Made more than RM1k within a short time. Lost a few hundred after that. Strictly for fun. Not for my long term investment.

If I wish to invest in gold, I would rather open a Maybank gold account. Why should I incur the sales fee, the annual management expenses and trustee fees with a gold equity fund when the Sharpe Ratio is NEGATIVE 0.84 and the annualised volatility is 30.83%?

Btw, you hold the funds or sell when it have made a profit (like share)?

Conventional wisdom is that it is better to make one lump sum investment. There is more money working for you at the beginning. Sales fee should not be the sole deciding factor.

But now with the volatile markets and globalisation where everything seems to have a positive correlation, it doesn't seem to work so well with most investors.

Therefore IMHO better do DCA.

Depends lor. If it is part of my gambling portfolio, then I would sell the entire fund after I make a profit. This usually applies for highly volatile funds like gold. This forms a very small part of the overall portfolio.

But for good funds meant for long term investment like Ponzi 2 and CIMB Global Titans, we buy and hold. When we made profit, we can either let it ride or switch out the excess profit quarterly as part of our portfolio re-balancing.

Unit trusts cannot be treated like shares when we buy and sell on a regular basis. The costs itself will kill us. But wait a minute. We have credit points for FSM where we can buy and sell for free. But still I think we shouldn't do it as part of our long term investment strategy.

Between (1) buying and selling the entire fund method on a regular basis and (2) buy and hold method with periodic rebalancing, No. 2 wins hand down.

       
Time for Manulife India Equity Fund?

Lump sum into money market fund first.... then slow slow disburse to equity fund for risk reduction.

Xuzen

Ok. Thanks for answering. Say one got fund A, B, C, D, if one does not rebalance but instead dump in RM500 every month into each fund A, B, C, D, is that OK?

Ok. Thanks for answering. Say one got fund A, B, C, D, if one does not rebalance but instead dump in RM500 every month into each fund A, B, C, D, is that OK?

Masuk perlahan-lahan, don't ram it in all at one go OK!

Xuzen