Somewhere out there; there will be some opportunistic person will buy because NAV dropped = discount price!   

I'm new to this, and just signed up for a FSM account. I have been looking at the CIMB Principal Asia Pacific Dyanmic Income Fund for the past few months, the returns over the past 3 years have been pretty superlative, but how do you guys know when is the best time to start investing in it? Past performance is no guarantee of future performance of course, and given the returns for this fund over the years who's to say the fund is past its best now? I'm looking at the country allocation, 4% is in China now when a few months ago it was around 15-20% I think, so I guess they pulled out of china when the markets there tanked.

I'm tempted to buy into the funds now especially with the 1% sales charge, my investment horizon is medium-to-long (4-5 years), any advice you guys can give?

buy every month, observe the price of each month, try to get at a lower price each month.

i am sure we can win in long term 

Welcome to FSM.

Diversify. Divide your funds. Use DCA for 12 months if you are investing RM10K or more. Perhaps you can consider:-

1.  1 Global Equity Fund
2.  1 Asia Pacific Equity Fund (ex Japan)
3.  1 Malaysian Equity Fund
4.  1 Malaysian Bond Fund
5.  1 Asian Bond Fund

Forget about supplementary portfolio, i.e. investing in a single sector or single country fund for the time being.

Put RM1K each in every of the above fund. But if you are printing money and are investing RM100K, then can put a bit more into each fund and DCA the rest for the next 12 months. You can also try Value Averaging if you have the time.

Note : Some sifus here would include an Emerging Markets Fund or BRIC but I find the FSM funds for these markets so, so only.

Decision...decision....where to start? Perhaps look at FSM's Recommended List of Funds as a starting guide?

Also read, read and read more on the topic of unit trusts. Good luck.

Care to explain how to use dca from fsm? Is the dca = dual currency account?

Ponzi 2.0 std-dev is 8.24% meaning it will swing +/- 8.24%  two-third of the time.

As of YTD it has increased only 11.53%; its three year average is 19.52%.

You say will go up or down some more leh?

Xuzen

TITANS!

Wah lau eh... cepatnya you belajar!

Actually, at 11.53% it is very near to negative One Standard deviation which means that it has about 67% chance to move towards the convergence point i.e., the 19.52% mark, and only 33% chance of it going away from the convergence point.

The convergence point or mean is the inertial point, meaning by natural tendency the outcome wants to move towards there most of the time.

Bang Xuzen kasi lu A minus!

isn't it all this can be influenced by a lot of unknown factors too, in which the maths cannot comprehend
like sudden devalue of yuan for an example that can happens unexpected?

mana ada blocked      I can access normally 

+100

He's like...a 14 year old kid asking what is the best car to buy...

By the time he got driving licence...already got new models coming out

Home cannot. Office can. Mobile also can.

LOL arguing about which NAV for reinvestment....

Let's be objective, this CIMB Titan is at best a moderate risk fund i.e., the volatility is like 8.XX% p.a. Divide that by 365 days = WTF! 0.023% movement a day sahaje....

Ini pun you orang nak split hair pasal hal ini...

here have some eye candy (specially for Pinky: Viet Mois)

Xuzen

p/s The one of the left sezs Hi Pinky!

Today is fun.

FSM tered and another finance tered got war going on.

Kinda enjoicing this

Ahh... portfolio slowly inching up..

LOL, first it was Sifu... now Dato?

Bila want to promote me to Tan Sri? 

Sometimes need to rebalance our portfolio so no choice have to switch out the profit ma or when algozen predicted a downward trend soon 
Sorry Tan Sri and Tun have quotas one    You need to wait somebody to die first

Your APDIF is still in red?