Depends on your strategy ma. If conservative investor, then 30% equity and 70% bond lo. If aggressive can be 70% equity and 30% bond, even 80/20 will do too. I think you are confused ady.

Btw, you should follow Pinky's advice to build a portfolio. Ask yourself what's ur risk appetite. From there, do allocation for equity and bond. Then you split your equity into a few region and do allocation accordingly. Same goes to bond. Hope it helps.

Quote from Pinky, do not pick funds. Build a portfolio.

Wow u remember my words. Ayam so flattered

Yeah, it's a futile effort trying to pick the best of funds.

Those who've been with FSM long enough should remember...

Some time ago, Pacific Global Stars is the star performer among global equity funds, CIMB Global Titans and RHB Global Equity Yield were shitty performers. At that point of time, global markets were weak, Pacific outperformed because it kept having high cash holdings, and it kept changing positions i.e. it trades quite often. It's also quite heavy in Asia ex Japan compared to the latter two.

Then this situation reversed now when Developed Markets performed strongly.

Still wanna (try to) pick the best of funds?
I meant at least 4 funds, not at least 4 bond funds

As year end coming will do spring cleaning. Switch those have similar mandate first and highly corelate funds . Then review back on the portfolio most probably Equity 90% Bond 10%. At also try to be discipline with monthly DCA rm500 monthly. Slowly will increase to rm1000 monthly.

I was advised we should allocate savings from salary then only minus expenses. Try to implement this month see workable or not. invest while still young

in my case i sell 50,000 units, put in CMF waiting to buy back or other UT later on

maybe a bit off topic,...but I just want to say is think it over about how you place the "emergency fund"...and the back up plan on its withdrawal....

I used to place 1 FD cert in bank under my wife and my name, that we remembered specifically instructing that it had to be either one to sign....that was 5 years ago and with out the physical cert type......
last month I went to the bank to withdrawal upon maturity......the counter staff told me I have to bring my wife there to withdraw as "their system" showed "both to sign".

just last week, I made ATM withdrawal.....5k max for 2 consecutive days, then on the 3 day upon reaching the 4k withdrawal...the ATM machine asked me to key in my personal details (not password).....then it let me withdraw.....then the next day,....the bank called me to ask if I did made some large withdrawal after confirming some personal detail....

maybe that was their ideal of safeguarding depositors interest from fraudulent withdrawals.....but it made me think,...if I had been lying in the hospital bed waiting and asking my wife to withdraw the "emergency" money ....then.....just think it over and maybe replan the exit plan for your "emergency fund plan".

don't talk about use credit card to pay first....that is not the point here and also if used credit card to pay...still have to get the "emergency fund to pay the card".  hospital is just an example or some other things that don't accept the card too.

FD cert Either one to sign is not good enough?
ATM machine...my wife has the password...not good enough?
the a/c that you mentioned...same thing that happened to me can not happens?.....

good suggestion that can be considered.....effective or not ...not sure ....I would just say "just go replan the emergency fund withdrawal protocol if you want".

btw,..i used my wife s/a ATM to transfer 5k to my s/a , after that her a/c cannot do any withdrawal for that day...max amount reached for that day.

Great to hear that, I also received PM as well from forummer asking about FSM SG.
My favorite Asia ex japan fund goes to First State Dividen Advantage which give me quite decent of return IRR @ 13.08% for more than 2 and half years. But still lose abit to my Ponzi 2.0 performance la.. 
https://secure.fundsupermart.com/main/fundi...olnumber=FSDVAD

Or you might start a thread focus about FSM SG and do not mix with long go version here, later make ppl lagi pening kepala. 

If Labah-Labah merah jambu is from Tiny Little Red Dot across the causeway? WTF is he doing in Bolehland FSM?

I consider myself an 'expert' (cough, cough) in analysing the credit points system for FSM.

For those who wish to save the RM25 transfer fees for the RHB fund houses when you transfer from one RHB equity fund to another RHB equity fund, you may do the following "magic". Eg:-

RHB China India Fund = RHB Money Market Fund = RHB Asian Income Fund.

thanks for the latest input.
btw, any ebanking will do?
any special preference one....
can go from S/a to FD and back to S/a just in case need to withdraw money?
@Ramjade...you are the expert...any advise / tips here....

Yes, you are right. This is not meant as a wrap account thingy. If you are intra switching a large amount of money (from one equity fund to another equity fund), then there is no point in saving RM25.00. This applies if you are taking advantage of a  sudden huge drop of the NAV in the equity fund that you are switching into. The projected profit that you expect from the rebound will be much more than RM25.00.

Yes, this RHB Money Market is different from the RHB CMF. I found out through the hard way....after burning more than RM100.00 performing intra switch from one RHB Equity Fund to another RHB Equity Fund.

So please learn from my mistake and save yourself a few hundred bucks. With the extra money, you can buy a good book on investing in unit trusts or on asset allocation. The book will pay back itself a hundred times more in the future.

No point saving RM80.00 to buy a book when you can make RM800.00 or RM8000 from the tips in the book.  Sorry I am blabbering....

Intra switch more than 4 RHB Equity Funds over different period of time? RM25 x 4 = RM100?

So the recommended funds are ponzi 2.0 and titan?

may i know where can we find the price of fund per day?

on board of what? 

Haha...ram also interested?

Before distribution. 
1.0 per unit
Buy  rm1000.  Get 1000 units.

After distribution. 
0.5 per unit.
Buy rm1000. Get 2000 units.
I anyhow gonna dca in. Lol. Plus minus one two days only. Haha

Not like that a?

After distribution. 
0.5 per unit.
Buy rm1000. Get 2000 units.

After 6 months
1.0 per unit
Unit in hand = 2k units
Value = rm2k

Niama!!!

Make things simple, let's use a unit split situation

Scenario A
Dulu NAV RM1.0000
U hold 100,000 units
Your value of holding is RM100,000
After split u hold 200,000 units
NAV becomes RM0.5000
Value of holding still RM100,000
KLSE bullish, all stocks went up 10%
NAV becomes RM0.5500
Your value now RM110,000

Now, IF no split/distribution and IF market conditions are 100% identical as Scenario A above
Scenario B
Dulu NAV RM1.0000
U hold 100,000 units
Your value of holding is RM100,000
KLSE bullish, all stocks went up 10%
NAV becomes RM1.1000
Your value ALSO RM110,000

Read over and over and over again til u get it

And don't come saying, "we cannot assume market conditions remain the same for both scenario..."
Aku belasah kau hang