Ramjade,

This is how I determine my ingress & egress position:

Lets take RM 10,000.00. You initially put  5k into KGF and RM 5k into Asnita Bond. This means it is a 50:50 position.

One year later KGF go up to 5,500 and Asnita is RM 5,050.00, total = 10,550.00

You sell KGF and buy Asnita to make it 50:50 again, meaning make it to KGF = RM 5,275 and Asnita = RM 5,275.00

No matter what, you will sell and buy to make the ratio same.

This is how I determine my egress & ingress position.

Xuzen

Answer to:

Q1: F3CK dividend. I don't give a F3ck abt it!

Q2: Who cares? As long as increase who give a f3ck?

Q3: Hold. You sell when you need to use the money to purchase something.

Q4: Red or green, you rebalance to make it the same percentage holding.

Xuzen

Yes. This is one of the ways I earned money in FSM. Minimize costs when we rebalance our portfolio. Later we can switch back for free into equity funds using the credit points.

Please read Post #1 THOROUGHLY to understand dividends/distributions and units in the context of unit trusts.

After dividend distribution, NAV price will go down, the fund will become cheaper

Ok so after dividend distribution, you get some additional units and NAV drops. Then after few weeks if fund perform well then NAV increases to the point where it is back to the NAV before distribution. Doesnt it mean you gain some income from distribution?

What is UT? It is basically a collective investment scheme. The Fund Manager pool all the unit holder's money and buy into assets. Let's take CIMB Global Titan Fund for example, the fund manager use the money to buy Apple stock in NYSE. Apple stock declare dividend and pay to the fund's bank account. The fund appreciate in value because its bank account increase in money, hence you see the rise in NAV  ( for lay person just call it fund price).

Let's say the price of Apple stock also increase due to stock rally in NYSE, the fund price also rise because the underlying asset ( i.e., Apple stock) has appreciated in value.

This is how the fund gain profit. Hence whether it is dividend or gain in underlying asset price, it does not matter, the price of the fund also increase. We let the fund manager worry about the dividend and what's not. The unit holders just see whether the price goes up or down.

Xuzen

rebalance will depends on the percentages u set for certain region/sectors and it does not mean selling off the entire holdings but to partially switch the gains into the area of loss .

Let me show u my rebalancing.

My unit trust investments are meant to be my "supplement" to my EPF, i.e. meant for retirement, not savings for marriage or for home downpayment. Hence, I don't "cash out".

Every month I got some savings (salary less expenses)
I park all my savings in CMF

Let's say I have funds A, B, C, X, Y and Z
I designed my portfolio in such way that each fund makes up 1/6 of the portfolio
When my UT portfolio is doing well as a whole (i.e. all funds go up almost in tandem), I do nothing
When funds A, B and C do well but funds X, Y and Z underperformed, I top up funds X, Y and Z to "rebalance" my portfolio
When all the funds screwed up due to market weakness, I top up all the funds
^
This

No.

Apa bahasa lu cakap???

RM10K > RM12K > RM90

???

Read the news.
Know what is happening to the world.
Compare the fund(s) that u invest in to its benchmark and its peers.

Do a Dollar Cost Averaging , instead of 12K , u put 1 k each month to minimize exposure to volatility

Then top up 3K at month 13 lor

I repeat - TAKE A LONG TERM VIEW

And adopt a portfolio approach

Chances are that when that happens, apalanjiau fund also made a loss, it could be a market crash.

If u cannot take a loss at all, UT or any investments are not for u.

Rewind back to 2008...is there any funds that are spared?
And have they recovered since then?

stick to the recommended list ? at least u wont stray too far off the coastline

Ponzi 2.0
Titans
Smallcap
KGF

Err...I agree with all but this

U will bait people into going 100% into funds like Eastspring Small Cap and Kenanga Growth Fund

But to go 100% into 1 or 2 funds...is suicidal.

KGF and Small Cap is 100% concentrated in Malaysia.

1. U will miss out on global stocks rally that evades Malaysian stocks
2. When Ringgit kaboom...u will miss out on forex gains u would have had had u invested offshore (this is what is happening now)
3. U will hurt most when Malaysian market collapse due to country-specific factors

Among a few reasons for diversification that I can think of.

I've said it again and again (u weren't listening!!! ), u just CAN'T win all the times. Even Warren Buffett screws up from time to time. What u wanna do is, position your investment in such way that u will win in the long run with the least effort.

U wanna rebalance every month and/or chase after returns? By all means go for it...but don't come crying if sales charges eat into your profit and u time your moves wrong (i.e. u quit at bottoms, buy at peaks)

Ponzi 2.0
Titans
Smallcap
KGF

Long sold. Its my most profitable holding ever

I hope someone can caution you of this 15% ROI......
this % is BEST be included with a time frame.....
just an example...
15% in 5 yrs is not same as 15% in 2 years...when talking abt taking profits
also this asset class / fund may have just + 10% but the others of opposite asset classes/ funds may have -10%.....thus the variance is 20%.

why sell when it is profitable?
maybe b'cos...
Markets Are Getting Expensive?
https://secure.fundsupermart.com/main/resea...SJBlog_20150402

No, no and no.

Regarding the ponzi 2.0 that you guys mentioned, why i cant seem to find it on FSM?

besides the few famous equity funds like Titan, Ponzi2, SmallCap, KGF, KAPTRF, I only have one bond fund ATR (10%). enough by having one bond fund in my portfolio?