I am talking about bond fund in general...

Let's say a company issued bond at par value of US$1000, with coupon rate of 5%. That means every year, it pays interest of $50/unit.

With Fed rate hike, the market value of the bond may drop. Let's say before that it was traded at $1000. Now the market price has dropped to $980. The issuer will still pay interest at $50, not $49.

And, as maturity date draws close, the market price will move towards its par value, which is $1000.

All these, provided that there is no DEFAULT.

Rate hike does increase the possibility of default. However, from what I know, bond default rate is low, even among junk bonds.

OK, will all those said, you make your own judgment 

softcopy will do

reinvested distribution no SC lar

980 x RM0.10 / RM1.0000

i do BUT.. for my own reasons:
1. I've waaaaay too much "Fixed Income" in terms of EPF (humongous compared to cash) + cash/FD/Bonds (little) VS Equities

2. I don't want to have too much % in 1 entity, especially one that can be "robbed" publicly if U get my drift.

3. 6%+/- pa returns from EPF is abnormally high, when compared to the recent 10 years average.

Thus, technically, if one is not heavily lopsided in terms of TOTAL ASSETS in Fixed Income and/or EPF, i'd personally "let it ride" in EPF.

Just a thought 

EPF is bounded by law to pay at least 2.5% pa. You will never see negative returns, even if this means the amount has to magically come from somewhere else.

There is no other scheme like it in the world. Do a quick read of CPF in singapore and compare mandates and rates.
98.

hope you have a BETTER luck than me....
i got mine wrong again (as usual)...switched in 23 July....few days later it crashed and it is still in RED since

DCA cannot lose money?

you mean top up when it is in RED?
if "YES",...is there "Better" funds out there to top up instead of DCA this Bond fund?

there is only 1 bond fund in TA to temporarily switch to, to get credit and stay low for a while....

High correlation coefficient with Ponzi 2.0 ma...

Anyway, all these correlation stuffs sounded familiar to me but not exactly sure what it really includes... Now I know why, I studied them in ACCA last time  Was clearing some old boxes from store room and found my notes... sei mou.. completely forgotten what I studied 

As to EI bond fund, is it such a great fund? If I judge from 6 months returns of 1.9%*2, the annualised return is 3.8% which is the same as CMF. I disregarded the one off recovery of previously impaired bond that caused 1 year return of 11.7%

I hold RHB Islamic bond... but it's riskier la, 20% on a single A rated bond 

i loves angels........don't you loves angels?   

btw,...found this...
LOWEST PROMOTION AT THE EVENT!

Good news for investors who will attend our event on 9 January 2016 and 16 January 2016! Fundsupermart.com is offering 0.5% sales charge for all unit trusts from 10 participating fund houses at the event, on both dates only. This means, 160 unit trusts are at 0.5% sales charge on 9 and 16 January 2016 from 10 participating fund houses which include Aberdeen, Affin Hwang Capital, AmInvest, Amanah Mutual, CIMB-Principal, Eastspring, Kenanga, Manulife, Pheim and RHB Asset Management. Investors can place a purchase order on these event dates and ensure that payments reach us latest by 15 January 2016, 3pm (for Penang) and 22 January 2016, 3pm (for KL).


get your BULLETS ready...
http://www.fundsupermart.com.my/main/resea...-1-Jan-16--6668

Almost similar question posted last year..
if this time the 0.5%Sc T&C is as per last year..then.....
make sure your internet connection and PC/smartphone is working....

which just means...in the FSM website...the SC for the relevant fund houses are amended to 0.5% just for that day till 12 midnight......