yes,..it too can go any directions with any combinations (fund up, currency up) (fund up currency flat)(fund up currency down)(fund down currency up)(fund down currency down)(etc,.etc...
thus that is why I think FSM advises...
as per above article...

50% locked in Pre IPO for 5 yrs. till 2020. thus I would not count it.
for me, what I will consider is 20% in GTF and 80% in CMF
wanna try dilute the CMF to?
30% in Asia X Jpn
15% in Global
15% in M'sia
20% in Bond
(these would be supplemented (or bit balanced) by your existing PRE IPO which is a Global fund with current unknown country/region of allocations with FSM highest risk rating of 10)

or try read this?
Star Ratings For The Various Markets
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo

Where to Invest Your Money for the Remaining of 2015?
http://www.fundsupermart.com.my/main/resea...g-of-2015--6346

1st posting, invested RM 200K in UTs,,,,,,

according to this..there are much better regions to start with.
Star Ratings For The Various Markets
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo

btw,..i am no sifu.....Many real SIFUS are still sleeping and will only clock in here after 7am
me?...just a kay poh chi that happens to switch on the PC after discharging some fluids from the body
so "Caveat emptor" lor.

This post has been edited by T231H: Nov 17 2015, 05:15 AM

"I read somewhere that if we want to enjoy the new member benefits of 1% SC"
here is the link....
http://www.fundsupermart.com.my/main/faq/0...t-Benefits-5904

"put our money into money market first then slowly transfer to equity fund later on"
just a note...there is an expiry time frame...

on that link...there are FAQs about a/c benefits...
ex...
Q: HOW DO I CHECK THE EXPIRY DATE OF MY ENTITLEMENTS?

and others.

then your thought about that is wrong....
btw,...yes,...why do you need to transfer into CMF in the first place? unless you want to consider the RSP which with CMF is easier?

This post has been edited by T231H: Nov 18 2015, 02:04 PM

I think they are the historical NAV prices

an almost similar question was posted and answer before....what you think abt the reply?
post# 133
https://forum.lowyat.net/topic/3730638/+120

or try the portfolio combination as in post# 1806, page 91?

as usual....caveat emptor!


This post has been edited by T231H: Nov 19 2015, 08:47 PM

European Mkts are doing GREAT too.....now.

if you want to use EPF to invest...make SURE the returns can be at least 30% more than the ave returns of the past 3~5 yrs EPF pa returns ...else better consider EPF as FI funds.

yes,...if average is about 3% pa.....need to be frank and analyse WHY?
traded too often?
buy based on past performance?
FI too heavy?
too focused on a single country?
etc, etc....

better talk to the CIS if after 3yrs still at 3% pa...

This post has been edited by T231H: Nov 19 2015, 09:03 PM

put in EPF is easy...
if/when want to take out...unless one is at certain age.....I think not that easy leh.
(suddenly your viet moi want to get married, your family want you to global travel with them,...etc, etc ...when one want extra money,..but locked in EPF...how?)

it will still need some time to get it out....ex letter of probate, letter of administrator etc, etc...king of stuff
just don't put too heavy in it...diversity....else if needed like....

while waiting for value added responses....
I found this while googling.....
Money Books for Teens
A list of books for teens on the subject of money management and investing: How teens can get rich
http://www.goodreads.com/list/show/20140.M...Books_for_Teens

Stock Market Game Resources for Students
http://valuestockguide.com/tools-for-teach...ck-market-game/

This post has been edited by T231H: Nov 22 2015, 10:29 AM

if you dumped that...what is the replacement fund?
I think you needed an asia x jpn fund in yr portfolio....

looking at the agenda of the workshop...it is more of financial planning guide/talk...
http://www.fundsupermart.com.my/main/resea...adies!-6510

not so much of where to invest....those that wanted that, can try this....(just that it may not be suitable to all)
http://www.fundsupermart.com.my/main/resea...tarRatings.svdo

or this...just saw in the net....
Saturday, 28 November 2015

Where is the market heading?
Indications are that the emerging-market selldown is coming to an end. But will it mean a revival for Bursa and other Asian exchanges?

WHEN asked about the future direction of the FTSE Bursa Malaysia KL Composite Index (FBM KLCI), most investors and fund managers don’t really have an answer.
read more at...
http://www.thestar.com.my/business/busines...ding/?style=biz


This post has been edited by T231H: Nov 29 2015, 11:21 AM

Receive a pair of Free GSC Movie e-Vouchers when you invest a minimum amount of RM3,000 in PRS at 0% sales charge
Terms and conditions:
1.Promotion period: 1 October until 30 November 2015.
http://www.fundsupermart.com.my/main/resea...-Promotion-6359

This post has been edited by T231H: Nov 29 2015, 11:42 PM

Nope.....topped up in early 2015

3.All cash payments and completed forms must reach us by 11am, 30 November 2015.
still have till that time...

should i switch/redeem?
just focusing on intra switching may not be a good idea...sometimes redeem and buy into another fund(s) that compliment your portfolio is better. Some people may even want to "cabut" now and wait for the FED rate decision before coming back in.

or wait until it goes positive?
you only have 2 months to recover to positive from the current negative.
only you know about value of that negative numbers.........do you believes it will in 2 months?
you have until 1st Feb...try to analyse to determine what funds are needed in your portfolio and start to prep your mind into it.

not sure if there's any possibilities to go up ..
yes that is correct,...especially when you only have 2 months time frame.

"IF" I worked for the bank....
would I do that for the VIPs?
(what is in it for me?)
(I think that FP fund has NO SC...am I right?)
If that product is really that good.....I had family members that had that kind of monies and too....(That exclude the other staffs of the bank and their family members).
why not I go in my self or they go in them selves?
What if, after I place order for that VIP and by accidents he did not turn up in time.....how?
even in FSM they needed to see the money in their a/c 1st before buying in for platinum status holder.
just thinking....

NO diversification.....Returns 3 months, 1, 3, 5, 10 years
Disclaimer:..Past performance may not indicate possible future returns....


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