Hi All. Good to see so many active fund investors here. But I'm not sure if its a good idea to be too active switching in and out too frequently. Here's an article by BlackRock, just to share some thoughts:

BlackRock: Weathering Uncertain Markets

I'm curious to know, you guys who invested through FSM, mostly did it with your own cash or through your EPF account 1?

I'm an Adviser with Kenanga. If any of you are interested to invest through your EPF OR Sign up for a PRS Account to claim your RM3,000 tax relief. Kindly PM me.

If you're located in Klang Valley, we are able to come to you and facilitate a hassle free application process with a better offer compared to FSM.

Sorry for the ad. Hope this can provide some value. Cheers! 

I have been listening to the market noise and reading the analysis by industry experts for the past one year. I still remain convinced that there is only one single main factor that will determine the success of our long term investment plan in unit trusts. That factor is our asset allocation.

We cannot control or predict how a particular fund or how the market will behave tomorrow. The only factor that we can control is our asset allocation (to quote William Bernstein).

means xuzen and pink spider will need to answer a lot more of the same kind of questions though..tough work ppl..

Completed my quota for PRS investment this year... 

just got this....
Why Correlation Doesn't Matter Much
http://www.forbes.com/sites/rickferri/2014...nt-matter-much/

Why tarak Titanic

I pun not in the group. Big Fish got Big Fish Investment, small fish got small fish investment la bro ...

Sikit-sikit, Lama-lama jadi bukit mah.. cheer

Background info:
a. Using X-Ray of MorningStar (thanks Xuzen), i noticed Global Titan Luxemburg-based stocks/funds/ETFs.
eg [attachmentid=5523628]

b. US listed stocks & ETFs (be it S&P500, Japan, EU, etc ETFs) has a 30% tax on dividends for non-resident aliens.

Thus my Q to check whether any forumers know:
In the real-world, assuming one can afford to buy ETFs directly on US-listed boards, is (a.) more tax effective?
coz in the long run, if (a.) is more tax effective, things like Global Titan MAY be more cost effective even if i factor in the initial higher purchase cost + yearly costs of mutual funds

er.. just asking & hoping for some enlightened fellow forumers' response.
i did already post the Q to FSM just only

---
BTW, just to share a "toy" i found (unsure it was shared earlier):
https://www.portfoliovisualizer.com/backtes...analysisResults

Jan 2006-2015 Results of:
3 ETFs/Funds - Vanguard Total Stock Market ETF (VTI), iShares Barclays 20 Year Treasury Bond Fund ETF (TLT) & Vanguard REIT ETF (VNQ)
VS
some default lazy / coffehouse portfolio asset allocation
VS
S&P 500 Total Return
[attachmentid=5523568]
[attachmentid=5523573]

1. Why 2006 Jan onwards? coz some ETFs'/Funds' data doesn't exist before that that

2. Why those 3 ETFs/Funds? coz based on the correlation data (see attached PDF), "good enough returns" for negative or slight correlations with the other 2
[attachmentid=5523615]