Below is my current fund allocation and I'm planning to embark on my first rebalancing act. With the hype about the [rate] hike, suggestions please?

Kenanga Growth - 29%
Eastspring MY Focus - 25%
Ponzi 2.0 - 31%
Titanic - 15%

Thanks.

This post has been edited by wonglokat: Nov 28 2015, 06:46 PM

just a few days ago....November 27, 2015
FSM highlight 3 things investors can do to better position their portfolios in anticipation of a Fed rate hike.
Author : Fundsupermart
http://www.fundsupermart.com.my/main/resea...27-Nov-15--6556

As $8 is to be deducted for PPA annual charge, is that mean we can only claim tax relief for $2992 if we bank in only $3000?
Same for prs promotion, do we need to bank in $3008 to entitle the promotion gift?

Thanks yklooi.

Going by those recommendations, I should move some (but how much?) to bonds.

post amended....(updated) thanks to Kimyee's highlights
got this info from FSM after query...
"......an annual fee of RM8.48 will be charged to you. FSM will collect the PPA Annual Fee by deducting from the gross investment amount. Therefore, the investment amount for your PRS fund will be RM2991.52 instead of RM3000. However, you are still able to enjoy the tax relief of RM3000 for the respective year".
(best is to confirm with LHDN for it may change....anyway I think the taxable amount for the RM8.48 amount is just to minor for LHDN to bother much)


This post has been edited by yklooi: Dec 1 2015, 04:48 PM

it depends....on your preferences...
just a note...some forumers that had analysed them said,...currently some bond funds are as volatile as Eq funds...
no right or wrong...Just a reminder, I think you are now abt 55% in M'sia.....
if you want it...it is ok...too.
I think abt 20% to FSM recommended fund for the Bond - Malaysia (Short Duration) category; that is AmIncome Plus would be alright....that % is dependent on your preference too.

Keep Your Risks In Check
Different investments come with different levels of risks and investors need to understand and know the risks that they can stomach given the circumstances that they are in before making a decision on what to invest. We explain how Fundsupermart.com Risk Rating can help investors to identify which unit trusts suit their risk appetite.
http://www.fundsupermart.com.my/main/resea...-May-2015--5825
What is Risk in Investing? April 1, 2015
The attached note takes a look at what risk is when it comes to investing.
http://www.fundsupermart.com.my/main/resea...Investing--5688

This post has been edited by yklooi: Nov 28 2015, 07:42 PM

should be about right..but no announcement made so i am not too sure. Thanks for the info!

KGF & eastspring both invest in the same thing i.e., Malaysia stock market. If it is up to me, I'll choose KGF over Eastspring because KGF is less volatile. (KGF Std-Dev = 11.1 vs Eastspring Std-Dev = 14.1)

Their rate of return lebih kurang sama aje. When this is the case; a savvy investor should then choose the less volatile fund if the rate of return is around the same.

My preferred holding is Titanic x 40%: Ponzi 2.0 x 40%: KGF x 20%.

Xuzen

P/s: Volatility a common name for Standard deviation aka Riskiness to the lay-person.

I didnt scan and email. I mail hard copy to fsm together with current Statement of Unit Holdings (hit print button on UT Holdings table).

Thanks so much, fellas. I'll definitely look into what you've posted. I don't have any plans for the invested money, yet. Not for another 5 years but I do need them to grow at 8-10% each year if possible.

I have about 500 bucks put aside each month as spare and didn't pay much attention to bond funds. I think it was xuzen or pink spider who said bonds reduces volatility or something along that line but I don't really understand how; given my assumption that monthly DCA practice and lack of active "trading" should smoothen things out.

It's been a good experience giving FSM and DIY UT a go.

forgot the exact words, but one of the best EM that offer multi decade opportunity basically due to overselling. so therefore, if I believe this I also have to believe that it is a very bad time to get into any foreign currency funds and RM is due to bounce back.

Any ladies/gals attended ytday workshop n wat is the key takeaway?

Thanks!

in short, plan for our future by saving and start investing to max the monies returns....if not sure how, can contact FSM CIS and take the first plunge.

didnt talked about which regions and sectors are attractive to invest in?

RM8 deducted is claimable in income tax, so your total invested and claimable is $3000.

RM8 deducted by PPA is different from RM10 for account opening. The former is claimable in income tax but not the later.

Ha ha. I've done this like more than 10 times already. Never send them the current statement as well but you probably should continue to do it. You signed, scan and email to your favorite and friendly CIS for faster effect. But you also need to snail mail them the hard copy else your friendly CIS will chase after you.

looking at the agenda of the workshop...it is more of financial planning guide/talk...
http://www.fundsupermart.com.my/main/resea...adies!-6510

not so much of where to invest....those that wanted that, can try this....(just that it may not be suitable to all)
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo

or this...just saw in the net....
Saturday, 28 November 2015

Where is the market heading?
Indications are that the emerging-market selldown is coming to an end. But will it mean a revival for Bursa and other Asian exchanges?

WHEN asked about the future direction of the FTSE Bursa Malaysia KL Composite Index (FBM KLCI), most investors and fund managers don’t really have an answer.
read more at...
http://www.thestar.com.my/business/busines...ding/?style=biz


This post has been edited by T231H: Nov 29 2015, 11:21 AM

I suppose FSM will organize another session on where to invest in Yr 2016 soon