I will not tell you academic stuff... you can read it from the net, I want to tell you my story.

I) KGF is the perennial favourite for investors looking for exposure to M'sia stock. This cannot be denied. However, I did not choose Kenanga but went for Eastspring instead because Kenanga only have one star fund i.e. KGF. Their other EPF approved fund suxs! Remember that EPF-MIS UT can only invest in M'sia.

II) Please note that unlike normal cash injection, with EPF-MIS, you cannot switch inter-fund house, you can only do intra-fund house. That is why you not only need to choose the best fund, you need to choose the best fund house. There is sort of compromise you need to do.

III) I did my homework and I came to a conclusion that Eastspring Inv is the best fund house for ME! Eastspring may not have the best star-fund, it has a few good funds.

IV) As for asset allocation, use the most simple method; 100 - your current age = the % you should put your money in equity fund. Always do RSP, don't do lump sum.

That is all for now.

Xuzen

keeds these daze have not seen -80% "returns" of 1997/1998 (1998 was the lowest KLCI @ 200+),
thus worry this/that lor

well, to execute when fear / lelong is in the air, i've just lumped sum in for Manulife Global Resources Fund for myself & my sis.
(1 out of 2 bullets for energy/commodity equities) 
Was a toss-up between AmCommodities or Manulife Global Resources Fund, but what the heck - lazy to track another

CIMB-Principal Asia Pacific Dynamic Income Fund +10%

Worse return : Affin Hwang Japan Growth Fund -13.6%

big improvement from previous update. just leave it there and let it roll baby

I gung-ho on Xuzen. Topup KGF, ESI Myfocus and ESI SC.

To reduce on Ponzi2