Buying bond and bond fund different ok. I don't know anything about picking bond but picking bond fund is just like picking unit trust.

1) It must beat a target. In this case the target/benchmark should be FD as what for you out in bond fund when FD can also give you 3-4% right?
2) It must be able to beat it's second benchmark (usually an index on bonds)
3) Volatility must be low (remember bond is so that portfolio is stable and won't swing? unless you are going Hansel way) so even if Feds increase rate or there's another Trump tantrum incident (where reits and bonds get sold off) your bond won't become negative or  worst case scenario is just lose 1% (don't wipe out your entire year gain just for one event)

Use this to screen for normal UT/bond funds.
https://secure.fundsupermart.com/fsm/funds/fund-selector
- Bond funds come under Fixed income while normal UT is equities.
- Input in your criteria
- Click green button "Generate Funds Table"
- Select the fund you want, click "Performance table"
The other way is you must know your fund name.
https://secure.fundsupermart.com/fsm/chart-centre-fund/

Congratulations. You did your homework. How did you know it was Pimco?

I am going to add
Schroder asian growth
United japan small
First state india

Cannot seat on the sideline. Will try to keep invested for 6 months to a year then decide next cause of action.

Don't want la, last time I tried explaining then he say I'm rude to him

Asian HY is not the way to go anymore la.... kan FSM already said that like last year. Sometimes we have to follow trend also la

You can DIY yourself here too
https://secure.fundsupermart.com/fsm/chart-centre-fund/

You do realise that majority of them are tech stocks right? Btw how did you screen that? I am looking at climate change and returns are so-so (acceptable).

As what dasecret said below. This is because FSM have it's own cash account for holding your money. If you don't want to spend money on TT, use moneymatch. It's our own Malaysian Transferwise. Exchange rate is on par with money changers minus the fees.

To withdraw ask FSM to do a TT. No choice unless you have SG bank account where you can use one of their fintech (singx, transferwise) to transfer money back at cheaper rates and not so expensive fees.

If you have maybank malaysia, one can even open account with maybank SG via post.
Regarding your question, of course I have. Last time was ar 3.085. That's why I know what was the lowest rate.

Now with moneymatch, I don't even need to travel down to SG as the rates are same/better with moneychanger. Will be doing one-two more times travelling then I am done.

Where did you get 3.10?  Today good day to buy as everything red.

Semua market red. Asia, india china, us

What have you targetted for your HY Bond Fund ??

Allianz GIF Income and Growth AM H2-SGD seems to me like a all in one/balance fund. IMO it looks ok but is heavy in the US.

IMO, I will give Emerging market a miss. If you look at their fund factsheets, the main countries are mainly
- China
- India
- Taiwan

None of them manage to beat Schroder Asian Grwoth (in 6 months, 1 year, 2 years, 3 years). So if I really want, I will just take Schroder Asian Growth + First State India to make my own EM fund.

Sifu wongmunkeong pernah tell me EM = Asia. So pick either one. If you ask me which EM fund I will pick, It will either be JPM/Fidelity. I will pick Fidelity. Fidelity for lower volatility which means less swing downwards vs JPM. At the same time lesser of upside. Fidelity is also more diversified vs JPM which concentrates 30% in china. So your choice.

But I am not putting any in my portfolio. Follow xuzen. Don't play pokemon. Keep it to 4-5 funds cukup.

Actually not exactly. Eg. If china tank, all asia/emerging market will tank as shown in 2015. US not sure will tank (depending on situation.) Also, Greece being a country which we don't much connections was going about Grexit, all emerging market affected (malaysia being one of them).

Of course. They may buy/sell 2 same stocks but buy/sell at different timing and different price. Not to mentioned not every FM will sell. So how long they hold also plays a part. Plus type of stocks they buy.

Actually there are 3 type of stategies
1) buy limited (like what xuzen is doing, I am also using this way) - I think this strategy originated from boglehead forum etf investing (they always talk about boglehead 3-4 funds method). One of the reason I am doing this is
- I used to buy 2 of each fund and realise that I could have get more returns if I plong into 1 fund vs split into 2 funds.
- Then decided to follow xuzen's advise. Pick the winning fund. Kind of happy with how it turn out.

2) buy everything
3) buy selected sectors where you see higher potential to generate money, then move on to next sector (like what people doing with our GE, buy Malaysia focus fund to ride on GE "feel good feeling"

Nothing wrong in all these.

Ramjade elea88

Hey, update here la, what funds you all buy. I'm still with the same old MAPS, so much easier

My First state dividend advantage back to live from previously half dead status, but schroder asian growth is better (and I didn't buy  ), only has some through MAPS

Nope