I have exposure in 4 funds. I ask myself these questions, maybe you could provide your view?

EI Small Cap - you still see value in small cap? Historically blue chip always move first, follow up small cap stocks, final leg is penny stocks. That's what I heard (don't bomb me on this). So with penny stocks hoo-haa over last year. Is it too early to look at small cap? Yes, aware that a lot of small cap perform very well.

Ponzi 1.0 - high exposure in Malaysia. Ok. Fair since you want top Up EI small cap.

Ponzi 2.0 - high China/HK exposure. Do you think it's too early to top up on China?

Titan - so your 2016 strategy you focus on all region. Top up everything la right? Lol. From Malaysia to US. Sapu!

I thk put all money in cmf sin ... n wait for the drama queens stop wailing ... almost 4%

This post has been edited by adamdacutie: Jan 7 2016, 08:58 PM

FSM suggest otherwise.... (think they want to make some money...)
btw the CMF sin = CMF in Singapore?? got almost 4%?



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I see no reason to sell Ponzi 2 for now. Xuzen has done a comprehensive review before about the risk reward ratio of Ponzi 2. I will not repeat it again.

Haha... rear view mirror showing EI Small Cap has good record. As you said can see most small caps moving faster than big caps and I want to catch the wave, then after 12 months re-balance..

Ponzi 2 top up is not all because of its exposure in China. I have specific China fund already which I will still keep holding.

Titan is just less than 6% of my portfolio, so plan to increase till almost 10 if possible. I see big famous multinational companies will do good this year.

Topping (means new $$) up will be very small amount in my case, it is more of re balancing here. I will still keeping all my funds that I am holding now, just shifting the weightage. Then monitor and check back again after 12 months.

I think it is the other way around. Small caps precede Big caps. In the bull market, small caps provide the growth. when market not so stable, sell small cap and hide behind big caps. when downturn, move to boring big caps.

Drop lagi US..

tomorrow top up more

MYR fall to 4.41 against USD.

How will Malaysia market fair ar...

i think he meant put in cmf first / meanwhile
"sin" is like before sth in cantonese
3.989% kan.. almost 4% lo hehe

I supposed each of your account would be designated for a different purpose right? I did thought of transferring my current individual account to 2 beneficiary accounts for my 2 kids; but what if 1 perform and 1 doesnt?

Then it will be ur kids mia li (luck) already

<fingers crossed>
Go down U b*st*ards!
Gimme another 3 to 4 circuit breakers! (China)
.. so i can buy with peace of mind during FSM's 0.5%

(no need to hm.. will Equities go down 5x more than the dang discount)

I just topped up my PRS today! LOL

This is going to be another one of my long winded post....

In a way you are right. Each account is designated for a different purpose.

(1) Primary account - This is a Beneficiary Account for my wife. If I die tomorrow, she can transfer out the money instantly without waiting for the grant of probate.

(2) Secondary account no. 1 - This is actually my wife's Personal Account. But I control it. This will be a conservative account. At the most only 50% in equity. Most of the money are currently parked under bond funds and CMF.

(3) Secondary account no. 2 - This is a Beneficiary Account meant for my son's education fund. I am using an aggressive approach for this fund in view of the long term horizon.

(4) Secondary account no. 3 - This is my Personal Account (newly minted). It is a PRS account with 2 separate PRS funds now. I am adding a global fund to complement it. So only 3 funds in total.

So, the million dollar question now. What if all 4 Accounts tank within 10 years time and suffer heavy losses??? Another Global Financial Crisis or Asian Financial Crisis is highly possible within the next 10 years or even this year. I think we cannot worry too much about things which are beyond our control. Otherwise we will end up putting all our money in FD or under the mattress. Inflation will kill us slowly in the long run.

That's why I have diversified into other "investments". I don't consider myself a savvy investor, so I tend to buy a bit of everything. I am also doing monthly self contribution for EPF, SSPN (for tax purpose) and periodic top up for ASM and AS I Malaysia. I have also bought an endowment policy.

Anything else that I missed out apart from investing directly in the stock market or property investment?

This post has been edited by Vanguard 2015: Jan 8 2016, 11:17 AM

Beijing has turned off the circuit breakers already.

See http://www.thestar.com.my/business/busines...rcuit-breakers/

Next ball reading at the end of Jan16 based on data dated 31st-Dec-15.

Xuzen

thus, next fall can be ball breaking?
woohoo!

Awaiting the next ball gazing exercise with bated breath. I am heavily invested in Ponzi 2.