try this...hope it helps abit...
Clearing Your Doubts On Rebalancing
http://www.fundsupermart.com.my/main/resea...ebalancing-1980

Mythbusting: Frequent Rebalancing Improves Portfolio Returns
http://www.fundsupermart.com.my/main/resea...lio-Returns-566

http://www.fundsupermart.com.my/main/resea...lance!-3024

The Nature Of The Game – Rebalancing
http://www.fundsupermart.com.my/main/resea...ebalancing-4232

The Importance Of Rebalancing A Portfolio
http://www.fundsupermart.com.my/main/resea...-Portfolio-5374

Rebalanced my portfolio for 2014
https://secure.fundsupermart.com/main/resea...SJBlog_20131227

Profit taking is also a kind of rebalancing if you switch it to fixed income fund. I don't advocate annual or regular interval rebalancing as I've experience that some of my funds that went up a lot in value already went down by the time it is up for rebalancing. Now I switch to having a trigger level such as profit of 6% (or 10% etc.) to trigger a profit switch to bond.

1 day and it shot up by 70 posts ...

Lol. haven't read all.

But yea. I'm glad I'm listening to advice to guys in here.

Labah Labah merah jambu . Algozen . Unker Looi vanguard and etc.

Lol. When it's red don't panic. Buy.

If I buy the 4 funds (ponzi 2.0, titans, kgf, eastspring cap) and keep long term, can it outrun interest earned by FD? (looking at double digit returns here)

IvanWong1989 you buy and hold or you sell when it is high?

This post has been edited by Ramjade: Oct 22 2015, 01:25 PM

That is my current portfolio . Started since May. Lol.

Red red green green .

Buy and hold or buy and sell like share?

I have my own plan. 3 to 5 years.

monthly top up of 400 to 800 bucks. Split into them evenly.

If I see red I buy more since its cheaper.

If I see green I still buy normally.

When reach my target percentage of profit let's say 6 7? Or maybe even 8?
I plan to take out the extra profit n put in red funds.

YES....if you "believes" on the past performance may repeat itself....
what is shown here are past performances.....(assuming at 25% each)

This post has been edited by yklooi: Oct 22 2015, 01:30 PM


Attached thumbnail(s)

For the average say 10 Years, do we need to divided the returns by 10? Or that is already what one will get average per year?

already annualised.....

DEFINITION of 'Annualized Rate'
http://www.investopedia.com/terms/a/annualized-rate.asp

This post has been edited by yklooi: Oct 22 2015, 01:46 PM

Ok. Thanks. Cause some stuff I came across they attempted to trick the customer by saying can get xx% but that haven't factor in the need to divide by the number of year.

Do You Use Your Rear-View Mirror To Invest?
Extrapolating historical performance can sometimes be detrimental to investing; we suggest investors avoid relying too much on their “rear-view mirrors” when they invest......Author : Fundsupermart

http://www.fundsupermart.com.my/main/resea...?articleNo=6172

You are most welcome bro. I am happy to share my limited knowledge and also to learn from the other forumers here.

Yes, next time you can intra switch from equity funds into bond funds for the same fund houses and get free credit points. I think it applies for equity purchases bought at 0% fee as well. This means that if you intra switch a profit of RM10k, you will SAVE RM150 on your next purchase of the equity fund (assuming a sales fee of 1.5%).

This credit points can be utilised for the purchase of any equity fund houses which is NOT limited to the original equity fund which you switched out from earlier.

One note of caution. Please make sure that you switch into a low risk bond fund, i.e. risk rating of 1 to 2.

P/S: I think you have earned enough profit to cover the sales fee of RM2K for the RHB IPO No. 3, i.e., you can now buy in for free.

There is no time limit to stay in the bond funds to get the credit points. Once you have switched into the bond fund and it is reflected in your account, you can sell it into CMF immediately.

My thoughts...
Let's say you plan to pump in additional 100k every year. (You are such a rich guy ) You invest in areas/segments which you think are under-represented in the portfolio. It may not be necessary to switch.

Further, let's say 5 years ago China represented 20% of your portfolio, and India 5%. Now that China has slowed, you may want to change the allocation to 15% China and 10% India. It is not necessary to have a fixed allocation ratio for 10 years or more.

This post has been edited by river.sand: Oct 22 2015, 04:10 PM

Ramjade come study fsm ady?

yes,...
there are other factors too.....
the needs of one in relation to financial needs, investment objectives, lifestyles, age, income, aspirations, emotion, geopolitical influences, (the stars rating in FSM changes), etc...

All my funds are turning super green now. I believe this is caused partially by the weakening of the ringgit?

IMHO, this may be the most dangerous time for investors in FSM to make a lump sum investment. Because we will be buying high with the expectation that the price will rise higher. If we are lucky, then things will work out as planned.

But if there is a market correction later and the price dives continuously... then we may end up panic selling. This will then be the classic case of BUYING HIGH AND SELLING LOW.

I was caught in the euphoria during the 2Q and 3Q of this year. To see your my paper gain increasing by a few thousand ringgit every few days would really boost your ego and greed. That was how I ended up over loading more than 40% of my total portfolio in the Greater China market. Alas, the China market corrected and collapsed.......For a supposedly "seasoned" investor like me, this type of novice mistake should not have happened.

So now I have to learn to temper my greed. Lady Luck has been kind to me. I got a second chance. I re-balanced my portfolio. I escaped with my ego bruised but with my principal invested sum intact with a positive ROI. So please learn from my mistake.

This post has been edited by Vanguard 2015: Oct 22 2015, 05:19 PM

why not jus set your own target, like 30% in 3 years. if it reached 30% in 1 year, sell off lu. if not, jus continue to buy/DCA on monthly basis.. but its impossible to time the market.. we dont know when china will shoot up again, or whether US will hike rates or MYR drop to 5.0 vs USD..