Looks like I need to improve on my story telling skills. 

The moral of the story is if we are investing for the mid to long term, the daily fluctuation in the unit fund prices does not matter. We should not get unduly worried. We can either sell our unit trusts to the sleeping point or consider other less "stressful" investment.

really super fed up with FSM

fill up the stupid form and their courier pickup

then call me again said i use blue pen. should use black

WTH ??? 

why didn't mention this in the email ? 

normally when fill up form, where got pay attention to details 

you mentioned "Forward Pricing" on 18 jan....
FSM came out an article about it on 21 Jan.....

Understanding Forward Pricing ..... January 21, 2016
In this Idea of the Week, we seek to explain to investors what is forward pricing and why such a pricing system is adopted.

http://www.fundsupermart.com.my/main/resea...-Jan-2016--6735

Coincident or what? 

maybe b'cos of this.....?

Someone already selling this rm5 for a pair in angpow collectors FB group. BTW, is that someone in this forum as well?

well, economic weakening. desperate already how ? cari makan niah

maybe should be glad not in the oil and gas line. Petronas already gave alert, and banks acted accordingly... BSN internal memo for confidential viewing at the top level leaked to public... upfront, reject loans by staff and rank in the O&G. 

PS. I guess you're not in O&G... else pardon please if inevitably adding salt to wound.

You don't say in what proportion each fund is, so I equal weighted everything, and did a quick breakdown.

Based on data ye 2015.
[attachmentid=5896517]
Looks like what you'd expect if
1. equal weighted.
2. lump sum investment from day 1.
3. no rebalancing.

To me, it looks like
1. overweighted foreign holdings - heavy on APxJ.
2. overdiversifed to too many funds.
3. portfolio unbalanced.
4. FX exposure is a bit too high.
5. selected funds based solely on return/FSM recommendations.
If you're underperforming FD, you're doing something wrong.

y ah bro, too Malaysian centric ah. I did that because long long time ago, a great some1 in this forum said Malaysian funds are better with Malaysian equities? They are not so good at picking overseas funds

sorry I really dun remember..haha...was long long time ago

Wah gov contribution to epf slashed 3% ... darn ... nvr expected such move

Amdyanamic bond

I think
those had bought recently are waiting for the storm to be over
those that have not bought recently are still waiting for the storm to be more severe
those that are thinking to start are saying ...."THKS goodness...I luckily did not start"
those that just started are saying...."OMGss what just happened."
those that are solely into FD maybe are saying..."i told you so"

I think it will be active once the China retail investors are back from their CNY holidays, and the colour of the indexes are not RED for about a week.