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.

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.

very encouraging....to those that are holding funds like these and "may" had lost abt 75% of the value 
"People that dare to act in difficulties situation/market will benefit in future"...don't wait...top up or buy in....

Oh yes. I think it is not unusual in the US for funds to go kaput and refund the balance invested money to the investors.

In FSM as well, we can see that a number of funds have stopped accepting new investors. See for e.g. a number of funds under RHB and recently one under Eastspring.

Why do you ask this question?  Worried ah?