see the example as posted by kimyee73 above?
when you sell some units...you take out some money out of that fund like the RM 19800 you mentioned.

some don't advise that....like post# 576.
I too says...let it RUN until the valuation is "seems" to be a lot higher than others..

So it's ok to buy and hold? No need to buy-sell?

i would lock profit when sudden increase in NAV price (eg. 15% overnight).

otherwise, keep it in the respective funds - until i need to use the moneyh lar.

maybe kimyee invested lots of money.

which means his 10% my 10% is different.

so it is different way of thinking (read RM100 paper loss vs RM1000 profit/loss).

all my 5 funds are green today

So if one were to sell the units and say get 15% profit, then where do you dump the money into?

As I understand, I need to have RM1k to start buy/sell unit with FSM.
Since I have extra cash to spare, and being relatively new to UT and FSM, is it advisable if beginner like me to experiment with this just so I can understand the flow?

In fact u can start with RM500 ony

understand your self well, know your risks profile, plan and allocate what to buy, buy and hold....then need to monitor.....
cannot just buy and forget.....
see this post by j.passing.by at post# 187 about DIY investor.
https://forum.lowyat.net/topic/3580942/+180

Wah! So green so green... ong mali liao hoh sei !

Ramjade, wrt how to lock in money... I will post something for your benefit... after I am done counting money. Too busy counting money now Mua ha ha ha...

Xuzen

This post has been edited by xuzen: Oct 23 2015, 02:58 PM

FaQ from FMS said something else.

How much money do I need to start?

A: Most funds have a required initial investment amount of RM1,000. However, some funds may have higher minimum initial investment amount. Investors may obtain this information from the respective fund factsheet.

.................................................................................................

If my RM1k 'kaput', are they going to auto deduct my money from M2U account?

Sorry for the noob question tho.

Nope

WE ARE RICH. WE ARE RICH. MUAHAHAHAHA.

Note : This is what happens when Vanguard loses his marbles from reading too many books and login into the FSM platform too often.

er.. bro, 15% increase in NAV overNIGHT...
that's a statistically VERY IMPROBABLY HIGH movement, thus, yes please sell & lock in profits.
However, realistically have U ever seen such in a UT or Mutual Fund's NAV, overnight or even 2 nights?
Maybe during the ASEAN currency crisis after 2008's lowest plunge, then next day bleep up i believe.

Just curious whether U've noticed it happening in reality or just a % to discuss when to divest.

This post has been edited by wongmunkeong: Oct 23 2015, 03:38 PM

ya, i oso cannot believe when it happened to me

EASTSPRING INVESTMENTS ASIA PACIFIC SHARIAH EQUITY FUND

0.3277 in 16/4 - buy date

0.3708 in 18/6 - sell date

but if held it until now, it is more untung-lah. haha


but the fund it self mentioned in the factsheet:
The Fund seeks medium to long-term capital appreciation by investing primarily in Shariah-compliant undervalued companies with potential for re-rating in the Asia Pacific ex-Japan region.

I'm waiting for China to de-value before buying back this fund.

This post has been edited by dirtinacan: Oct 23 2015, 04:01 PM

> 15% overnight.....i remembered this one...i wrote to query and they replied "funds' NAV increase substantially due to recovery from previous defaulted bond paper".

This post has been edited by yklooi: Oct 23 2015, 04:14 PM


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nice...
i checked the fund's chart (NAV data only goes back to July on FSM), looks like there was a huge spike in May & Jun 2015.

Aberdeen Islamic World Equity Fund - Class A - 4.49%
Affin Hwang PRS Moderate Fund - 100%
CIMB-Principal Asia Pacific Dynamic Income Fund - 23.16%
CIMB-Principal Global Titans Fund 2 - 13.03%
Kenanga Growth Fund - 24.84%
RHB Asian Total Return Fund - 16.05%
RHB Big Cap China Enterprise Fund - 18.43

BRIC is? thanks.

guess, we just don't know how it will goes....
just imagine this guy who took profit at 15% and the fund continue to.....for the whole year...
it can be the other way too....
just do what pleased us most at that moment in time will do...


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total % of allocation added up is 200%?

BRIC is
Brazil
Russia
India
China

go to seek each individual fund factsheet...compile the % invested in each country and add them up......are you comfortable with the total allocation in that country...example...i think your China is very heavy.....if you are happy...then be it..it is just chicken me.

This post has been edited by yklooi: Oct 23 2015, 04:42 PM

If I go through agent to do UT or banks, dump my money, and expecting profit in few years, and Fund Manager screw up, what would happen to me? Can I held them responsible for the loss?

How would I know if i can trust them and if they're capable to generate profit?