Ponzi tu nickname saja lar

Ok thanks for explanation. Is a bit clearer now. You said don't sell. Just hold. If one does not sell, how to rebalance? (refering to my previous rm10k example or we pumped in more?)

Also any increase in fund price can be wiped out by a decreased in the fund price right? So like that, isn't it better to cash out the profit before it is being wiped out?

Let me show u my rebalancing.

My unit trust investments are meant to be my "supplement" to my EPF, i.e. meant for retirement, not savings for marriage or for home downpayment. Hence, I don't "cash out".

Every month I got some savings (salary less expenses)
I park all my savings in CMF

Let's say I have funds A, B, C, X, Y and Z
I designed my portfolio in such way that each fund makes up 1/6 of the portfolio
When my UT portfolio is doing well as a whole (i.e. all funds go up almost in tandem), I do nothing
When funds A, B and C do well but funds X, Y and Z underperformed, I top up funds X, Y and Z to "rebalance" my portfolio
When all the funds screwed up due to market weakness, I top up all the funds
^
This

Eg, original fund rm10k. After 6 months become rm12k. After another 6 months become Rm90.

Is the above possible? Any way you take to minimise that from happening?

Sorry. Typo. Rm9k

But if say you deposit rm1k/month and it didn't make loss, then at the end of 12 months, you will have >rm12k. Like that, it could fall to Rm9k right?

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..

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

Fancy a go?

Put in parents EPF la, bro!

is it wise to top up ponzi 2.0 now?