Btw, aside from the min investment, there are other criterias. The annual income or the total asset. Hence red light... haha.

Just wondering, anybody invested with aberdeen asia pacific fund?

Given the limited funds that aberdeen has, it would be nice to keep options opened for switching purposes if needed.

also given the timeline, performance looks ok. but i'm more of a stick to less fund person. aberdeen is slightly lesser on China & HK, compared to cimb AP.

6 years is a long time. so yes, maybe accumulated more funds than you intended.

While buying UT does not require active management, it's not about JUST DCA and not bother to look. Personally speaking, i don't believe much in the take profit and monitor because this would entail you knowing when to buy and when to sell. nobody can predict the market.

as for the volatility you have mentioned, i do notice you have RHB Gold and General Fund. This to me is not an investment, rather than a gamble. When there’s such a fund, there needs to be care.

As for the other funds, there are equity funds so fluctuations are expected, so if you do decide to streamline and cut down the number of funds, would suggest NOT to sell. Go with switching or just top on certain funds instead of portfolio wide.

actually without knowing the other details (risk appetite, investment horizon, overall portfolio), comments like these are not useful and serves no purpose. 2 funds of 50% is really not that high to some people. not everybody buys 10 funds and spread it out.

and i'm curious, how come have never seen you share your investments holdings or remotely commented on your holdings?

Yes, it's written in the T&C. I believe the only exception is CMF2.

Serious note, you seem to have strong liking for TA global tech. My point of view, not professional, is since you have already one US fund, seems like adding the global tech fund, overlaps. Though I do not know your portfolio, i'll choose something less overlapping, and less volatile. Like to understand why you like this fund.

You asked it the question I have been thinking. Wahahaha.

And to the ppl who are discussing about whether he's a nurse/doctor, please stop it as brings no meaning to this thread.

Maybe not right adjective being used. Anyway, my understanding is algozen more on by geographical region (maybe xuzen can clarify). Anyway, my pov is, it might be a diworsesification.

since i started invested 2 years ago, most of my topups (80% of the invested amount) was done at below 2%. i'm guilty of the same.

while i have not been topping up much since last year, i think we should try to be more objective about when to top up. be aware that the discount from the top up may be abit pointless when you invest at the peak. while i don't disagree with topping up now, fellow investors here should just try to remember that.

we buy when there's a sale, yes, when the market is having a sale, not when FSM is having a sale.

happy investing... friendly reminder.

it was after you posted on rushing to make the deadline that makes me provided the kind reminder. Because it seems to me you lump sum because of this discount. feels like nobody said anything about topping up when it was down and under, and everybody decided to top up due to the sales, and IMO market rallied, and should have top up earlier. though again we are not to time the market.

it is exactly because we can't time the market, we should be more objective during FSM sales. i'm not saying don't top up. don't regret if things go south.

FSM sales, yes, i'll take an extra look, but if i don't think it's time to invest/regular top up, then i don't lo.

This post has been edited by adele123: Sep 2 2016, 12:16 PM

does my opinion matter? i don't have facts to back me up. i'm abit sceptical about topping up now. but i've been sceptical for the past 1 year. i did top up last week, but very small amount.

i based it on my portfolio and that my IRR is higher than my historical average, so i step cautiously, hence, i'm not planning top up in bigger amount.

Nope, not a good idea. Anonymity is important when it comes to money matters