Currently, my method is as per my earlier posting on 7.1.2016.

I am running 4 separate FSM accounts.

(a) Primary Account - already topped up to the max $. No more fresh investment. Going to use VA every quarterly and reduce the equity exposure if necessary.

(b) Secondary Account No. 1 - Same as above.

© Secondary Account No. 2 - Using RSP.

(d) Secondary Account No. 3 - Using RSP.

Hopefully it will work out.

This post has been edited by Vanguard 2015: Jan 11 2016, 06:21 PM

If your interest is solely for diversification because EIGEM has exposure to Russia, Brazil, India, etc. then you can consider this fund.

But speaking for myself, I am not a fan of EIGEM. I already have Ponzi 2 which has high exposure to China. EIGEM has an exposure of more than 39% in Greater China. So I see no reason to buy EIGEM. The Sharpe ratio of EIGEM is 0.03 and its performance for the past 5 years is not so good.

I know some forumers here have EIGEM in their portfolio. Well, different investors have different perspectives.

I think this is going to be brutal year. The priority here is capital preservation. Forget about making double digit return.

I consider it a bonus if I can get single digit return using FD as the benchmark.

I will try and trim down my equity exposure. Park more into bond funds. The rest to put as advance payment for my housing loan or OD account.

I wanted to park everything in FD but I am only doing my layman Anal-ysis about how the markets will perform this year. But what if I am wrong and the markets pick up in the 3Q or 4Q? Then I will miss out on all the potential gains.

So I think a ratio of 50/50 in equity/bond funds is still acceptable. My current bond fund exposure is very low.

Your statement brought a smile to my face.

It reminds me of aunties buying fish at the market. One aunty managed to buy a fish at a cheap price. The other aunties will crowd around her and say "Wah, your fish is so fresh and cheap. From which stall did you buy it from ah?

I am not sure what is the meaning of EQ you are referring to bro.

To me, all the forumers here have the IQ to become successful or are already successful investors. The fact that they invested in FSM, joined this forum and talk about asset allocation shows that they are on the right track.

Speaking for myself, most of the time it is an (Emotional Intelligence) EQ problem and not an IQ problem.

I am like the United Nations. I invest in everything in sight. So tak payah gaduh gaduh.

I taruh in FSM, ASM, EPF, endowment policy, SSPN, PRS.

MALAYSIA BOLEH.

This post has been edited by Vanguard 2015: Jan 12 2016, 06:14 PM

I plan to invest in the stock market this year. Die, die also must invest. Kena burn also ok. Treat it as tuition fee.

But, but I cannot discuss it here rite? I think there is a separate forum for share market discussion. But I dunno anyone there

Eh, ya ke? Thanks for the link. So I can join there later. Maybe post some of the tipsy that I get.

Wah, I just clicked on the link. Kepala pusing bro. So many different forums.

Which are the most popular forums that some of our FSM regulars are in?

Ah thanks bro. I will start lurking there from time to time.

I agree 100% with you. I intend to buy blue chips stocks only and maybe hold some minor position in growth stocks. I have a list of stocks to buy. I have no intention to buy penny stocks or engage in day trading. That would be madness with my limited time, knowledge and resources.

Buying stocks is not like buying unit trusts in FSM liao, where the risks are significantly lower.

Thank you Sifu Wong for your input.

This is what I meant in my post yesterday. Most of the time for investors like myself it is EQ problem and not IQ problem.

Tons of books have been written on the behavior and mindset of investors.

This post has been edited by Vanguard 2015: Jan 13 2016, 11:22 PM

I may attend to get all the freebies and then cabut. Maybe just listen to Kenanga talk only.

Hi Ivan, long time no see. I thought you disappeared already.

I sense some despair in your post above. Don't worry bro. We are all in the same boat. My allocation in Ponzi 2 is really heavy. Also red mah.

Just practice asset allocation and do VCA every quarterly if you have bullets. If no bullets left, then just do nothing until 1st April 2016.

This post has been edited by Vanguard 2015: Jan 13 2016, 11:10 PM

Wah everyone switching left right and center to escape the burning house.

I got better idea. We all Sai Lang or show hand. Transfer everything into Malaysian small cap, RHB Asian Total Return Fund, RHB Emerging Bond and RHB Islamic Bond Fund. Maintain some fund in Global Titans.

So we transfer everything from Ponzi 2 to CIMB Small Cap. For other investors, transfer into Eastspring Small Cap, RHB Small Cap and RHB Smart Treasure.

This year end, sure ROI = 20%. Apa macam? My idea boleh pakai?

This post has been edited by Vanguard 2015: Jan 14 2016, 09:56 AM

Nothing special. By April, it would be the 2Q of the year. We should be in a better position to evaluate the markets then. For those practising quarterly VA and saving bullets, they should have saved enough bullets by April.

No, no. I am still holding Ponzi 2 now. No plan to switch out yet.

My 2 cents view...what do we expect the fund manager of Ponzi 2 to do when there is a global rout? Sell off all the underlying stocks and buy bond funds and FD is it? It is not his fault that the fund is not doing well. Just let him do his job and wait for 2Q. Ponzi 2 is currently holding about 15.79% in cash (if I read the info correctly). Therefore there are opportunities for the fund manager to accumulate more shares at a lower price now.

This post has been edited by Vanguard 2015: Jan 14 2016, 10:11 AM