well this effort will make u time the market less and go in low or high or anywhere in between . so , instead of throwing one lump sum and face a crash down which might take u months or years to recover , splitting it into pieces will minimize ur heartbreak if at all . Having said that, if market blossoms and goes for a rally , ur gain will be lesser if you do DCA

Dun kiasu lah , if kiasu dun play , u learn as u invest , then one fine day become like Pinky, Unkle Looi, Xuzen with a ball

This post has been edited by adamdacutie: Oct 24 2015, 08:51 PM

Wah bro, I don't know wei. I only play with FD and Amanah saham fixed price only lei.

What's the max that you you lose before (how many %)

YEs,....it could.....
b'cos...the price of units and distributions payable, if any, may go down as well as up
if one were to get this fund and top up monthly for > 2 years ....wondering how much is his "paper" losses and the emotional stress he had to endure, if he is not prepared or have the wrong impression/expectation of UT investment (thinking that there are "experts" to help monitor it and it "should be" safe or "from past performance track records" all the while were good)

This post has been edited by yklooi: Oct 24 2015, 09:01 PM


Attached thumbnail(s)

What is the maximum amount you can lose?
http://www.moneysense.gov.sg/Understanding...rusts.aspx#What is the maximum amount you can lose?

At one point during 2010-2011 my portfolio made a loss of -25%, that's like, total invested RM10K, left only RM7.5K.
At that point, my balls are still made of cotton, so cashed out, only resumed UT investments in 2012.

Fast forward to now...my annualised gain since 2008 is 7.4% compounded even after taking into account losses of 2010-2011. U imagine what would be my annualised gain like had I not cashed out and rode along with the recovery?

This post has been edited by Pink Spider: Oct 24 2015, 08:58 PM

When this fund eventually recovers, u would thank god u had continued DCA/DVA into it

But sometimes u just gotta exit, like those who had invested in RHB Gold and Minerals Fund during its peak
But those who caught the bottom...u know who u are...

Btw fund apa ni Unker Looi?

This post has been edited by Pink Spider: Oct 24 2015, 09:01 PM

see revised Chart and data in post 664...this one lagi worst....
no chance for DCA/DVA to continue investing....(to get more units or buy at "cheaper" NAV)
"With effect 27th Feb 2015, we will cease accepting monies for subscription (including switching)" after downed for > 2 years....they said that

This post has been edited by yklooi: Oct 24 2015, 09:22 PM

Must be one of the natural resources fund (RHB Gold and Mineral or AmPrecious Metals)

NO, these 2 still got chance as they did not stop subscription for one to DCA/DVA....
this one is....RHB AGRICULTURE FUND
"NO change for Revenge to be done"...a Chinese saying...

A wise man will not think of revenge.

He will exit the battlefront that he cannot win, and fight elsewhere where he has a chance of success.

Bite the bullet, admit that u screwed up in your decision to invest in that fund, take whatever left of it, and shift to other fund(s).

Also, I've never been a fan of all these "sexy" single-sector/country fund.

This post has been edited by Pink Spider: Oct 24 2015, 09:14 PM

yes...that is just to show that, don't expects
1) all/any funds can make money also
2) DCA/DVA when market is down is safe....for it can continued to be down
3) DCA/DVA for long terms, buy more for "Cheaper or more units".....at times there is no change to do that.
4) etc, etc, etc.

...just be prepare, know what you are getting into and read/post this thread more often...ha-ha.....good thread promo statement..

This post has been edited by yklooi: Oct 24 2015, 09:19 PM

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

http://www.fundsupermart.com.my/main/fundi...Equity-MYAMCEQT

Fancy a go?

And what would that be? From what I have been reading,
Any others I missed out?

For a youngster just starting work, I would suggest the following:

1) Do regular investments. This is to form a savings habit, and to know that he is living within his means and there are savings set aside for various objectives, with savings for the long term in riskier investments.

2) UT has risks, while FD is guarantee. No risk, no rewards. Higher risk, higher rewards.

3) Go 100% into equity funds. Forget about bond/equity ratio or any balancing acts, till the time you are middle age with several hundred thousands of ringgits or more.

4) In those savings that are put into equity, choose those more aggressive equity funds, and yet popular and among the top funds that gives high returns.

5) Forget about asset allocation or diversifying the money into every geographical corners of the planet. Concentrate the money into funds that could give the highest possible returns. Be the biggest WINNER you can be and not set a limit because you are too scared to loose the money.

5) But how can money be lost when UT is already a fund with diversify stocks and can be regionally or globally diversify among many countries. Even when countries go broke, they don't just die but recover and grow stronger.

6) And not to forget, this is money you set aside for a long term objective like for retirement. So take the risk and only worry about the money when it had grown very very big as in (3).

7) Even if the returns are not as great as it turned out to be, the money is still a sizeable amount. Very unlikely there is negative growth in the long term.

8) If you still think there is a chance, a very very small chance that the returns can be negative and not willing to take the risk, this is what you should do: stick to FD.

already in haha, god bless me and my monay

As different investors have different styles of investing, some of the funds in the Recommended Funds List might not be suitable for them. For example, some funds are known to be more aggressively positioned than some of their peers, which won't sit well with a more conservative investor looking for a more resilient product.

Thus, investors should consider the various merits and characteristics the individual funds possess and look to find a product that would complement and sit well with their investment style and philosophy.

http://www.fundsupermart.com.my/main/resea...?articleNo=6041

ARE YOU AGGRESSIVE, BALANCED OR CONSERVATIVE?
For instance, you might have thought you are an aggressive investor who can cope with a high level of risk. However, in practice, if you find that you always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments may not so suitable for you because they are likely to cause you to lose money.

http://www.fundsupermart.com.my/main/resea...-May-2015--5825

Pinky so free on Saturday night? Not going to drink (served by Vietmoi)?

Err...I agree with all but this

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

Muslims don't open