celaka....just top up a bit on 30th Dec and yesterday stock market drop

Hehe.. lock profit first for my old Smart Treasure fund! Almost 80++% profit after less than 5 years holding..

Just lock 38% profit only (as this is the gain for this fund in 2015), rest just keep it inside...

I have

KGF 25%
CIMB Asia Pacific Dynamic Income 20%
Global Titans 10%
Affin Hwang Japan Growth 15%
Affin Hwang ASEAN flexi 10%
Aberdeen World 20%

Anything to add?

actually how do u guys lock your profit? once achieve target % then sell / switch to money market and wait for market bottom again?

or ride it all the way until new theme come?

bcoz if u dump and come back 10 yrs later there's possibility the amt same as that time u dump 10 yrs back right? like what happened in 2008. years of profit just burned.

hope all taikors kindly share for bilis like me.

The 3% Signal is an investing plan that beats the general stock market by moving money into or out of a stock fund once per quarter based on the price of the fund only. When the fund grows 3% in a quarter, the investor does nothing. When it grows more than 3%, the investor sells the surplus profit and moves it into a safe bond fund. When it grows less than 3% or falls in value, the investor uses money from the safe bond fund to buy the stock fund up to the 3% growth line.

This simple action, using the clarity of prices alone, guides the investor to buy more of the stock fund when its price is cheap, and sell some of it when its price is expensive. The bigger the shortfall, the more the investor buys. The bigger the surplus, the more the investor sells.

This unemotional method — powered by prices, not opinion — beats the market. In so doing, it beats most professional advisors because the majority of them loses to the market.

The plan reduces investing stress by eliminating the need to monitor financial news and opinion, which issue conflicting advice based on “gut instinct” and other unreliable intuition. A key form of investing stress, the type caused by indecision, is eliminated by following the quarterly signal, which specifies how many shares to buy or sell.

38% bullet for weekend topup?

How regularly do u mean?  By a period of time?  Or by a percentage of profit?

The question is if we take profit, where to invest next?

Let's say we sell equity fund A and buy equity fund B. When bear market comes, both may down equally.

Of course if we anticipate bear market we can switch to money market fund. But did you, or your UTC, anticipate financial storm in 2008?

Hehe.. lock profit first for my old Smart Treasure fund! Almost 80++% profit after less than 5 years holding..

Just lock 38% profit only (as this is the gain for this fund in 2015), rest just keep it inside...

I am no sifu or taikor. Just an average investor. Maybe you want to try Value Averaging? A method of VA found in the book entitled "The 3% Signal" written by Jason Kelly. See http://jasonkelly.com/books/3sig/ and the extract below.

Good luck!

That is one of the top performer for Malaysian general equity fund in 2015. Good for you.

That is one of the top performer for Malaysian general equity fund in 2015. Good for you.

celaka....just top up a bit on 30th Dec and yesterday stock market drop

Take profit when more that 6%.
Switch to bond fund or CMF. Some time is good to keep cash.

Prior to 2008, I did not monitor my investment. My UTC alerted me to this during our monthly meet-up. I made about 50% profit over the next 2 years.

Portfolio update as of December 31st, 2015:

Portfolio ROI: 8.5%, IRR: 2.8%

Hi Amatiel, long time no see.

I assume you are not a fan of bond funds? Otherwise I would add the RHB Asian Total Return Fund and the Libra Asnita Bond Fund into the portfolio to decrease the volatility. Somehow I think you are too heavy in Affin Hwang Japan Growth Fund which is high risk since it is country specific.

This is going to be another bumpy year.

But but but...

I remember some time Smart series of RHB funds totally koyak

Off topic,..but needed answer fast.
a friend of my wife receive a notice from the bank saying that the cheque that she banked in is "Post dated"
1) what will happens to the cheque?
2) will she need to get the issuer to issue another new cheque
3) how much does she has to pay for banking in a posted cheque?
4) how much does the issuer has to pay because of that?

sorry for off topic subject.