Entering the last quarter of the year, many investors have started to plan their next year’s investment allocation and target. This article combines the market views and outlook of different fund house experts, providing investors with important insights of the 2016’s market.
Fund Houses’ 2016 Investment Outlook..... October 9, 2015
http://www.fundsupermart.com.hk/hk/main/re...articleNo=10532

I checked at FSM website, in 1 week historical data:

I) Titanic dropped 3.21%
II) Ponzi dropped 2.88%

but

III) Small-Cap up 1.45%
IV) Lee Sook Yee      fund up 2.21%

Diversification in action.

News will always be there, background noises will forever be present. What we as rational investors can do is to shut out the noises, place our bets at the most optimal risk-adjusted return position and wait for the profit to roll in.

Xuzen

cost of buying/selling mutual funds

loading 2%
expense ratio  2%(not inclusive of trading cost and capital gain tax incurred in some mature market eg usa-these are hidden cost)
buying and selling (daily fluctuation of stock prices approximately 1%)2%
total cost =6%
the fund must deliver a return of 6% annualised to get even before any profit can be realised

moral of the story-dont drift like those fund managers who chases current winners churning the portfolio away from their stated objectives

Deducted on daily basis from posting NAV.

Yet dunno about UTs...

Here is a little truth...

Insurance company do not emphasize training on UT. If they do, it is extremely rudimentary. Their training are geared towards sales, sales & more sales.

The very important  thing why insurance raison d'etre.. e.g., for income replacement and protection are all not emphasized in lieu of how much the sum assured is, how much commission to get, how to get client to buy big premium are all but drilled into new recruits mind. They are brain-washed into sales sales and sales... this is the sad affair of the insurance industry.

On a side note: Download a fund fact sheet from a pure UT company and you have better the info required to make an informed choice (very importantly the Volatility Factor is on the FFS). Contrast this with a Insurance Investment Linked fund's fact sheet... nuff' said.

Xuzen

finally swicth half EISC, KGF , HASOpp to CMF. thansk anyway

Ok. Thanks. Cause some stuff I came across they attempted to trick the customer by saying can get xx% but that haven't factor in the need to divide by the number of year.

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

Spent almost a week to finish v1 leh. Learn a lot from there, especially from you and wongseafood. You call Mr Wong sifu I call you sifu can ah?

BTW, v2 - v9 worth the time to read ah?

Jadi agent of fsm la.