investors must also determine their geographical exposure to various regions, such as the US, Europe, Japan, Asia ex Japan, as well as global emerging markets

Checked. Then again, any particular region to be heavy on?

1) My caveat is that don't dump everything in.

2) It is still risky. You can put in a little, something you can expect to lose as a trial to test your own psychology / risk appetite.

3) The above is but a small part of the whole Modern portfolio theory thingy. There are many parameters to consider behind the calculation of  Algozen™: Xuzen's asset allocation algorithm.

Xuzen

Haiyo... thought end year portfolio can be up a little, mana tahu everyday see market down and down saja!

:
every time about to curse myself..i recalled watching tis video..that say...just one more time...this time will be different....
https://www.youtube.com/watch?v=chbjc-XDKLw
it just energised me...  

yeah.. i read that too..

the line that says

"You may buy a unit trust via the Cash Management Fund with ease, as long as there is sufficient holdings in your Cash Management Fund. You may simply specify the ‘Cash Management Fund’ as the payment method during the buy process. The invested amount will be deducted from your Cash Management Fund holdings, and it will be used to buy a unit trust immediately as long as the buy order is placed before 3pm on a business day."
and
"You may place an inter-switch order to switch your Cash Management Fund to another unit trust without any lag time. The sales proceeds of your Cash Management Fund sell order, after deducting the prevailing FSM sales charge, will be used to buy into the fund which you have chosen to switch-buy, without any lag time. This transaction is equivalent to placing a buy order using the Cash Management Fund."
  just so that i got it correct... term 1, used when i click on Buy, then i'm presented with an option to use CMF  and term 2, it's basically like switching from UT A to UT B.  correct me if i'm wrong..  kinda new to investing

hmmm.. okay.. that part i got it right..
just thinking about the charges if both would be the same...

anyway, can't wait till next week.. hopefully some good funds have 0% sales charges 

itu i tau ler..
just confuse niaa.. why have 2 options if both are actually the same... buy UT with CMF = switch to UT with CMF

For serious investors here, I strongly encourage you to sign up for a free account at Morningstar Asia - Malaysia. You can create different portfolios and x-ray it. This will hopefully help you to become a better investor in your asset allocation.

I attach here a sample portfolio. You will see now what you have been missing.