i mentioned about it last week.
Nobody interested for further discussion.

I am a bit late, one lump sum in March, then another lump sum in June.
Now stop buying because the fund size increased exponentially from RM40mil in March 2016 to around RM130mil++ in Jul 2016, a dramatic increment.

As a result, the cash holding enlarged to > 30%, when the cash holding is large, it will affect the fund performance.
The fund managers do not invest fast enough to keep the cash holding low,

if I would like to go into bond....I will use the recommended fund and also the Risk volatility index given.
at least FSM did some filtering for me and also for bond I aimed for lower portfolio volatility not so much as for FI performance.

are refering this ?

FSM Fund Choice: 3 Years Of Fund Recommendations And Still Counting!