I thought those 2 are among the recommended by pinky and Xuzen? The other 2 being ponzi 2.0 and titans.

Nothing wrong with local equities as long as they can gives the highest returns in the long term.

But currently the best returns are from global funds. I went in big into PB Global...

But to go 100% into 1 or 2 funds...is suicidal.

KGF and Small Cap is 100% concentrated in Malaysia.

1. U will miss out on global stocks rally that evades Malaysian stocks
2. When Ringgit kaboom...u will miss out on forex gains u would have had had u invested offshore (this is what is happening now)
3. U will hurt most when Malaysian market collapse due to country-specific factors

Among a few reasons for diversification that I can think of.

I've said it again and again (u weren't listening!!! ), u just CAN'T win all the times. Even Warren Buffett screws up from time to time. What u wanna do is, position your investment in such way that u will win in the long run with the least effort.

U wanna rebalance every month and/or chase after returns? By all means go for it...but don't come crying if sales charges eat into your profit and u time your moves wrong (i.e. u quit at bottoms, buy at peaks)

This post has been edited by Pink Spider: Oct 24 2015, 10:05 PM

Why should he cash out when he already stated that the investment objective is for retirement.

Secondly, if cash out, then what to do with the money. Put into another investment when the 1st investment is doing very well?

It is certainly the wish of every investor that he/she can foresee which is the best next investment vehicle or fund to invest into... wishful thinking and pipe dream.

So when waiting for the next best fund, the money is parked in MM, waiting and waiting... eventually spending so much time in MM that it defeats the original purpose of having money in UT.

(Then switch back, not because of any timing strategy... but because finger is itchy. )

Exactly.

Example...
Year 1 +20%
Year 2 -10%
Year 3 -5%
Year 4 +6%
Year 5 etc etc etc

If u are the type that will curse and scream and flip tables and break windows at the 10% loss at Year 2, UT or any form of investment is not for u.

<<< FD thread there

This post has been edited by Pink Spider: Oct 24 2015, 10:09 PM

if heart not steady / strong enuf to stand the movement of UT price over the years, better to stick FD or Fixed Price Amanah Saham

One small cap, and one foreign can do the trick. Pick the best among the best. If feels too risky, pick another 2 funds. Max 4 funds, more will be too diversify and average down the returns.

Can start with one fund, and go into another fund, and then maybe a 3rd fund. Then rotate the scheduled investment into either of them depending on market situation at that point in time.

I got it. Do not put 100% into them. Was just confuse because you said will chase people into it. So wondering what's wrong with those 2.

So if I even out between these 4 funds, are they ok or should I remove one of them? Or should I adds some more funds?

Tadi cakap lain ("sailang on the winner!!!"), sekarang cakap lain. Why u so Najib wan?

Adopting what j.passing.by said above, yeah I think u won't go too far wrong with these 4.

Ponzi 2.0 - Asia ex Japan
Titans - Global big corporations listed in Developed Markets (US+Europe+Japan)
Smallcap - Malaysia small caps
KGF - Malaysia

Though I prefer Ponzi 1.0 to Small Cap cos it can diversify into Asia ex Japan small caps too, whereas Small Cap is 100% Bolehland

And u might not wanna just even out 1/4 on each, play around to set a proportion that suits u, learn from FSM Recommended Portfolio, learn from the geographical allocations of some good funds etc. I structure mine roughly based on that of Fullerton Global Equities Fund (2/3 Asia ex Japan, 1/3 US+Europe+Japan).

Ok, enough about investments, time for Saturday chill!

This post has been edited by Pink Spider: Oct 24 2015, 10:21 PM

Ramjade is a FD/ASX kaki.... patutler so kiasi wan.

Luckily here got milk nannies to hold your hand softly and slowly sayang-sayang you all the way until you graduate!

Xuzen

p/s ASX / FD

This post has been edited by xuzen: Oct 24 2015, 10:26 PM

I am risk-aversive. But I have been investing in stocks and equity funds.

Why? Because I know what I am doing.

Forget what people say about risk appetite. If you have the necessary knowledge and your conditions are right (e.g. you don't need the invested money in 5 years), you can take risk... calculated risk.

yeah. if u know what u doing. then no worries.

can "stand" the risk. why not

Where got said one fund only... I said go 100% into equity funds la.

Not 1st time, but many times ledy said this - go 100% into equities. Bond/equity ratio, rebalancing etc. are for senior folks...

Can share which counters?

Topping Ponzi 2.0 & Titanic on Monday.

BTW, My China fiasco (loss) has been reversed by TA Global Tech Fund. She gained 12.XX% in one quarter!

Xuzen

This post has been edited by xuzen: Oct 24 2015, 10:42 PM

But but but...

My bond funds are outperforming half of my equity funds

Tata

This post has been edited by Pink Spider: Oct 24 2015, 10:41 PM

Need to pin this at the first post to keep track

Yours are Asian High Yield (read: Junk bond funds)....sure lar!

Xuzen

How to pin post ar?

Xuzen

But over the years, how many junk high yield Asian bonds defaulted?