May I know what is the purpose of these investment to you?

http://www.fundsupermart.com.my/main/schoo...g.svdo?PageID=8
3. Don't switch unit trusts constantly

Always invest for the long term. Every time you decide to sell a unit trust and replace it with another, you incur additional costs - initial sales fee for the new fund, switching fees from the old fund and so on.

+1
Go for diversified portfolio. Earn maximum returns with minimized risk.

Depends on your risk tolerance, time horizon and investment goals.
FSM portfolio:
https://www.fundsupermart.com.my/main/inves...ntportfolio.tpl?

Diversified portfolio by Schwab:
http://www.schwab.com/public/schwab/invest...hwab_portfolios

I create a plan based on similar concept for my clients. Then I monitor, review and do portfolio balancing for my clients.

What is Asset Allocation?:
http://boostcompanies.com/asset-allocation/

Let me highlight what's in the article:

1. By dividing your assets between stocks and bonds, you can increase or decrease the risk you take.
2. In general, the more stocks you have in your portfolio the higher can be the return on investment
3. If you decide to take a lot of risk, it means that you expect high profits in return.
4. By creating a portfolio that runs on autopilot, investors can avoid spending much time on their investments.
5. Rebalance our asset allocation on a regular basis (quarter, semester, year). Indeed, our portfolio will change following the market.

Please have a look at various plan Returns(1970-2014):
http://www.schwab.com/public/schwab/invest...hwab_portfolios

Everyone want maximum returns, but investors should take into account about the risk of facing maximum losses as well and asset allocation helps in balancing the risk and reward.

You're welcome. We need to be realistic in achieving our financial goals.

This post has been edited by sam@bpp: Dec 8 2015, 01:05 PM

I'm not sure how to place it in words in order not to create a misunderstanding here.

Here's a take from Forbes article, " They(Market) ARE ALWAYS uncertain and if anyone tells you otherwise he is either lying to you, lying to himself, and in reality it is probably both. You need diversification to protect your portfolio from market shocks, recessions and depressions."
http://www.forbes.com/sites/investor/2010/...llocation-work/

If investing in unit trust can make me lose money, why invest then? Back to basics. "If you keep your money in your back pocket instead of investing it, your money doesn't work for you and you will never have more money than what you save"
http://www.investopedia.com/ask/answers/153.asp

Tycoons on My Payroll. "What do I know? So, I invest in their companies!":
https://youtu.be/1g214QziAZs

Small-cap and KGF have export oriented companies that benefit from weak ringgit and also companies benefit from Budget 2016 in their portfolio. Indeed these fund managers are doing well in stock picking.

This post has been edited by sam@bpp: Dec 8 2015, 11:38 PM