Looks like no one is going for US Europe market. Or emerging even.

That's the thing isn't it? Capital protected would also mean limited upside, and if it's coupled with long lock in like those with savings plan, might as well take the chances of non-capital protected and enjoy higher returns... in the long run a well diversified portfolio would most likely outrun a capital protected scheme

Capital guaranteed is overrated IMHO, and yet people behave irrationally when they hear the term... that's where behavioral finance or marketing comes in

This YTD so far, the safer UTF > risky pure equities UTF. REITs exposed UTF are providing beta (jargon for stability) to portfolio as a whole.

Xuzen

So you recommend amreits? I have looked at it and it looks interesting to be added to my future portfolio.

Just a PoV-sharing - hope U guys/gals don't face this:

hm.. FSM now does not allow third-party bank-in for investments
ie i invest for myself, my sister & wife
when i buy for my sister or wife, THEY have to transfer $ online from their account
unlike now where i do everything.

jialat lor - my sis is like "anti" banking-online one. Back to Public Mutual.. sigh..
for my wife - i'll have to transfer $ to her a/c, then she to FSM.. urgh

added something more to your experience...

...2 years ago...I wanted to invest PRS thru Hwang....
I don't have cheque...my friend issue a cheque payable to Hwang...
after driving 30 min to hwang office,...after filled up the PRS purchase form and passed to them the cheque.....was told that I need an authorization form to be filled up and signed by my friend --- the cheque issuer.
Hwang said my friend cheque cannot be used to pay for my purchase unless he signed that form.....

after driving back and forth for another 1 hour to have the that form signed.....
was told by hwang that actually I can bank thru HSBC bank which is located next door.....

then early this year, I acted smarter this time....I went there with cash, filled up the PRS form then when asked what was the Hwang bank number so that I can go next door to bank in.... was told that now they don't accept deposit thru HSBC anymore ....I can only deposit thru a bank which was again 30 minutes drive from there......banked in the money drove to my friend office to scan and email to hwang the copy....called up hwang saying that I had already deposited the money and emailed to them the scanned copy of transaction slip....

this is what they said......they can only proceed the transaction when they received the original transaction slip.....they cannot check their a/c transaction history to see whether I had deposited the money...they insisted of holding the original transaction slip.

what should I do next year?..guess? will I go back to hwang for PRS purchase?

eh... how about beneficiary account?

Short term, all regions, stocks or bonds, all bearish.
Gold is the save (safer) haven now. But gold is for short term trading only.

If your sis purchase cash management fund in one go, say an amount which is targeted to be invested in a year, would that help to eliminate the need of her to transfer money to you whenever a purchase is desired to be made by you on behalf of her?

Beneficiary account can use the principal holder bank account to make purchases

yes that is possible...but need to have 2 conditions...cash up front and to know how much is need to invest for that year.

perhaps, this is better? 2 choices which I did
if the amount is little....bank in to FSM a/c the money thru atm m/c
if the amount is large...bank in to FSM a/c thru the front counter with cash freshly drawn from the same bank
if the amount is larger?,,,have no experience with that.....

If husband and wife joint account and this is the only account, how?

I chosed RHB Asian Income as it has REITs exposure. For AMReits, it has been on my radar for a long time but I have never put my money in it. It was because previously the pure equities UTF were performing much better than these REITs UTF.

You may consider it now, for future .... depending on how future is your future, you need to review it.

Xuzen

You have that criminal look... they scare you money-laudering mah!

Joke aside, this is in line with BNM directive to help combat the menace of money-laundering.

Xuzen

---- deleted, double posting ---

This post has been edited by xuzen: Jun 16 2016, 07:44 PM

M waiting too
Btw, any special theme for d promo?

Who cares for the theme as long as the fund interested is under the discounted SC rate.

Noob question here about Gold. It seems like Gold and US dollars have negative correlation.
So for a Malaysian investor, how do we benefit from increase in Gold price? If the price goes up, we lost on the exchange. So it almost cancels out right? Do we earn only if the increase in gold price is greater than the decrease of currency drop?
Sorry for the stupid question. Hope someone can explain me

"Gold is generally quoted in US dollars per ounce of gold; so any fluctuations in the strength of the dollar are likely to be reflected in the dollar price of gold: when the dollar falls the gold price rises........ and when the dollar rises gold falls. The relationship is not exactly inverse, however, and there are times when both gold and the dollar rise or fall simultaneously."
http://www.incrediblecharts.com/economy/gold_dollar.php

"However, it’s important to understand that it’s possible for the U.S. dollar and gold price to increase at the same time. This can occur because of a crisis in some other country or region. This would cause investors to flock to safer assets—the U.S. dollar and gold. The U.S. dollar is also driven by many factors—like monetary policy and inflation in the U.S. vs. other countries. It’s also driven by economic prospects in the U.S. vs. other countries. Investors need to consider all of these factors."
http://finance.yahoo.com/news/why-gold-us-...-170016117.html

"One can blow up their entire account being wrongly positioned on a move like that while hoping for the old correlations to apply, even if it is only within a three-month period of time.
The point I am trying to make is that correlations come and go without any warnings. Unless you have the tools to be able to predict when those seeming correlations will cease, you had better know how to use stops on all your trading and investment instruments. Otherwise, you will be left holding a bag full of losses, while scratching your head and wondering what happened. It is for this reason that I always suggest one analyze each market on their own for their own merit, and to avoid using any seeming correlations or inter-market analysis as a heavily weighted tool in your investment analysis arsenal".
http://www.marketwatch.com/story/what-happ...tion-2015-04-10

This post has been edited by T231H: Jun 17 2016, 03:50 AM


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Thanks for the input bro. I did come across some of these articles. Even though they are not exactly inverse, it's not unusual for them to move in opposite direction.
So for a Malaysian investor, this is not good right? We only benefit if they move in the same direction (appreciate) right?

some people want "counter balance" in their asset...just in case 1 asset drops the other will try to pull it up.
thus this reduces the portfolio volatility...just like some people have bond & Equities UTs in their portfolio
the growth rate on returns is not what they seek..they wanted to have less volatility in the returns