What did you substitute with?

any guide i can read thru on how to choose a fund? Having a medium to high risk tolerance. Now most of my cash just sitting in fd (also a lurker in fd thread). so i thought of trying FSM for a change and put some thing here to try out.

also what is DCA?

I will try to go thru all the FSM thread and read thru them but at v14 i think it will take some time. hopefully i might picked up something useful in the discussion.

hey, u r here also. haha. i cant jst do that. i still need to learn about things myself. i wont do things blindly...

Malaysian Property Developers- Turnaround Not In Sight, But Too Cheap To Ignore
http://www.fundsupermart.com.my/main/resea...-To-Ignore-7086

Time for shopping in Bursa

my portfolio is in a green after so long. the only one bringing down my roi is my cimb dynamic fund.

donno if I should switch it to titans or ride it out.

Why is sales charge promo more important than where the market is?

Take Malaysia market for example
In the past 1 month it fell from 1,720 to 1,635 today. That's 4.9%. isn't that a much bigger discount than sales charge discount from 2% to 0.5% (lowest in FSM MY history)?

Why not buy now? If FSM offers 0.5% sales charge when the KLCI is back to 1,720. Worth it or not compared to now?

My 2 cents la 

Maybe I should ask the question differently.... if
(i) klci 1,720 and have sales charge promo - would you buy?
(ii) klci 5% down within a month but no sales charge promo - would you buy?

Assume you only get (i) and (ii), don't have option (iii) which is best case scenario; gun point to head, which option would you go for? -4.9% or -1.5%? Both options also no guarantee if it will be +5% or -5% next month

I always wait for income distribution to buy more because it allows me to pull down my average buying cost.

Is my strategy correct? I do pump in a monthly amount but I will wait until after ex-distribution to pump in even more.

Thanks for any input.

U guys got any remarkable gains?

I have around 6k and my wife almost 15k in kenanga growth fund almost a year already...

Woh return so far cant even beat epf 😔

The above is not from Algozen™, it is what I heard from that particular UTMC's CIO.

Algozen™ asset allocation as of Apr 2016 is 25% US (Manulife US), 25% Asia Pac ex-Jp (RHB Asian Income), 30% Malaysia (ESISC) and 20% Develop Mkt (GTF).

BTW you'd notice I have fired the Ponzi 2.0 UTF-FM. That fund now suxs!

Xuzen

p/s But I think the both of them differ not much because we probably use similar type of data and valuate it in a similar fashion (probably from the same academic training).

Just out of curiosity...

Why in geographical sector, there is Asia inc Japan, and ex Japan...

My Q is, what is so special about Japan so tht it has inc and ex??

xuxen apologies for intersecting but from your post you more or less given up hope for ponzi 2.0. it is a nature of things and people are starting to switch to other funds, maybe I'll give it another few months and see its performance.

from the chart today it jumped

[attachmentid=6788229]

the main point I'm trying to make with my post to investors is that take every advise with a pinch of salt and don't blame people you mimic when your portfolio doesn't shine like you do.

You need to first understand that losing 5.8% over 24 months is not a big deal for most ppl. That's just about 2.9% per year. Even inflation eats up more than that. Of course if you add on the opportunity cost, the % goes up.

The other thing you need to understand is risk diversification. I have investments in ASB as well which give me a steady return of about 7.5% p.a but investing in FSM is not about sitting back and just earning a meagre return. Investing in the right funds at the right time can give you a 15-20% ROI and that beats many investments out there. But of course it comes with a potential (and very real) downside risk which is what i've experienced over the past 2 years.

Besides my day job, I co-own a company which is targeting a listing on the Hong Kong GEM Board sometime next year. So need to be very careful how I utilise my funds and move them around especially in the current economic climate.

I can help build you a "capital guaranteed" structure, but not 100% pure UT. 😉😉

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

Coming to you soon....

In very near future, CDM will install mykad reader with thumb-print reader plus camera to take the pics of and capture thumb-prints of all depositors of cash. You cannot hide anymore. Big brother will monitor your every movement.

This was told to me by a friend who works for a local bank.

Xuzen

When la FSM will do the raya promo...

You asked in the morning...
now FSM gives you......for just a few days till 30 June ...some funds at 0.5% SC....
i guess many are still too spooked to take advantage of this.....

Brexit Promotion: 0.5% Sales Charge For A Limited Time Only!
https://www.fundsupermart.com.my/main/resea...-Only!-7222

Sorry, no sure is correct forum to ask or not.
May I know what different between "https://www.eunittrust.com.my/" and "https://www.fundsupermart.com.my"?