I was about to say how come mr steady suddenly macam not so steady.
Anyway, the difference between monthly recommended funds and recommended fund list updated annually is - they look at the timing. Usually when FSM thinks there's upside in the near future they would put it in monthly recommended fund. That's my limited observation la

from your "limited" observation......
how many % of those monthly recommendations are right in lets say....3 months later? and how many min % will the ROI by made in this 3 months.....?
need to see if the 2%SC is worth the hit and run...

I think FSM came out with an article on how did their monthly recommended funds do after their recommendations.
But really, is UT an appropriate vehicle to do speculations like this? Since chief vanguard say the fund no good, I won't consider buying lor

Edit: Found the link
http://www.fundsupermart.com.my/main/resea...-the-road--6260

So I can officially declare... not I say one, FSM claims one

This post has been edited by dasecret: Apr 6 2016, 11:25 AM

My portfolio (if you can even call it a portfolio) is ~98% KGF, if minus KGF PRS then its ~99%. Have a few more here and there for fun and instead of tracking air I have something more solid to track. So far my IRR = 7%. It is a very long term investment for me. Barring any super emergency is will be for 20 years.

The others that I have:
EastSpring = 8%
GTF = -31%
Ponzi 2 = -91%
RHB Big Cap China = -10%
RHB Smart Treasure = -29%

No matter how it is viewed, any recommendation, portfolio model and/or recommended fund is for sake of marketing. Nothing more, nothing less. So take the recommendation with a pinch of salt. If it suits you, buy. If not, just ignore.

Never take for granted it, the recommended fund, is the best or better fund with the best or better returns in the projected short/long term. Do remember it is all marketing stuff.

Another thing I'm septic is forecasts on a specific country or region and how well they will be doing in future - hence the portfolio need to diversify 'geographically'.

But had you ever wonder how will it relate to the UT fund while the gloss is solely on the country?

Or is it simply that the fund's name has "India", "China", "Asia Pacific" or whatever, and that means the "Timbuktu" fund will grow in pace with the "Timbuktu" country while the local fund guy know nuts about "Timbuktu"?

Okay, you may say the fund is well diversify among the targeted category of companies in "Timbuktu" stock exchange. So if Timbuktu's index do well, the fund will also do well.

But it may still be missing the extra oomph that a local fund guy can produce in a local fund in the local homeground stock exchange.

(My 2 cents 'proven' by above dexk's post.... )

i seriously lazy to reply, but i saw a troll replying, who probably hasn't been investing much himself answering your question, making me want to type some words.

actually the recommended funds that goes around this thread are very few. CIMB AP, CIMB global titans, KGF, EI small cap, to name a few. but i do like to point out that i do believe newcomers were hurt when they started chasing CIMB AP, Global titans... when china market was downed a lot, and now with the rising ringgit, probably loss has increased.

Personally if you starting small, try not to overspread your investment. In hindsight, i wish i sticked to my investment from day 1... 75% KGF... but that's hindsight. hindsight is always vision 20/20.

also... given the MYR volatility recently and it did climb up quite a bit... compared to say few months ago, then yes, it seems better now to invest in overseas fund. of course, nobody can predict the future, and if myr goes up even more later, you'll be like why didn't i wait... or if myr drop again, you'll be like, oh no, should have bought earlier... etc...

read some of the articles by FSM. concentrate on which geographical region you want to invest. then work around that. starting with malaysians fund would be easier in the sense that you do not have to worry about the exchange rate.

Btw, Eastspring Small Cap is just small cap fund. KGF invests in large cap and small cap funds. they are not the same category. but EI SC volatility will definitely be higher than KGF. For better comparison, may be better to compare EI my focus with KGF. Not sure about EI My focus, you can read it up on your own. should that it is not restricted to invest in small cap/blue chip...

I LOL-ed reading this line. Exactly my sentiments

I LOL-ed at your LOL. But its true.

That person who shall not be named who does not invest in UTF, is actually is an awesome investor in ASX FP. He will queue up to five days in a row to mop up float units from bank to bank. He will park his little Axia near the bank entrance at 8:00am and wait for the bank to open their door. Thereafter will rush to the ASNB counter and beli whatever units that are available.

On a separate note; ESISC is an awesome fund! However due to its high stan-dev, I cap my exposure to 1/3 of portfolio. It is still a considered a high exposure, but it is a calculated risk. KGF is a more selamba fund..... it will chug along just fine. Just don't rush her. She will come.... just don't rush her.

Xuzen

p/s
I have repeated this a few times. Malaysia market likes to play contrarian to global market. When global market is down like now, take a look at our local stock market! Going up, up and up! And the reverse shall happen. This is so predictable. Because of this, as an investors you are wise to keep locally exposed UTF and Global exposed UTF.

My GTF & Ponzi 2.0 drop is countered by the rise in ESISC and cushioned by the boring FI portion, namely Libra Asnita Bond. And, friends, this is how you should "play" UTF.

This post has been edited by xuzen: Apr 6 2016, 12:25 PM

Well glad you guys talking about me.

Anyway forget about asx FP, xuzen, I need your insight regarding Titans. Can it be done as I said. When USD drop, Titan will drop. Hence Topup more for Titans. When USD goes up, topup more for stuff like ESISC?

This post has been edited by Ramjade: Apr 6 2016, 12:43 PM

GTF is made up of three main market: US, Eurozone & Japan.

What happened in 2HYr2015 is due to the oversold scenario of MYR. This means that MYR weaken against all or most currencies and that is why during that period, any foreign exposed UTF also gained. If only USD weakness alone, we would not see a repeat of this scenario.

Your proposed strategy is not going to work.

Xuzen

Thank you for your reply.

Thank you for your reply.

Wow.... Thanks for the input! As you all know I am new to this, really new. I still learning to view and analyse the fund. Benchmarking, peer benchmark, YTD, performance, sure to take a long time for me as I can squeeze little time daily basis. But since they offer me 1% sc..... And with very very small investment amount, I think I will go ESISC, KGF and the east spring bond fund atm... To me I should start in local UT instead of go wild in overseas. Perhaps the MYR now is swinging lfet and right. Then perhaps slowly learn through lol. That's is the most I can do now. If do it hurry I afraid lose more. Well that's base on my shallow knowledge of investment... Hoping to see more sifu shed more lights here.

This post has been edited by [Ancient]-XinG-: Apr 6 2016, 08:29 PM

It really falls greatly, now hesitating should I top up.
I don do DCA, just top up occasionally ...

Take your time to learn, and do not be afraid to make mistake.

I started investing directly in stock market since 2007 right after the Asian Financial crisis.... Had good year in 2008 and 2009. But I found out that stock market is too tedious for me, too much monitoring needed. If that is your passion and hobby, well good for you!

Then I took the UTC license with Public Mutual and started investing in UTF by becoming my own agent which saved me the agent commission because the agent commission goes back to my own pocket. That was in 2009 and during those times where got DIY FSM platform? When talk about UTF, it is always Public Mutual only.

In 2013, I stopped investing with Public Mutual and switch to DIY Platform such as FSM because FSM sales charge is soooooo darn low, it is not worth even to maintain my UTC license with Public Mutual.

So in all, I have been investing since 2007 (9 years) and for UTF = 7 years experience until today.

Xuzen

P/s So the question million dollar question is over time, did I make money from UTF? the answer is YES! Did I also lose money while investing in UTF? The answer is also YES! The trick is make more than lose!



This post has been edited by xuzen: Apr 6 2016, 08:54 PM

Big words there, master. Thanks! Will keep my head down and maintain a diversified portfolio and looking ahead

TQ bro Xuzen. Will take note on this insights.

Why my fsm load so slow and often dc since yesterday night? Connection is ok. All other websites ok.

Guys, I have some issue here. I cant logged in to FSM and the page will not load completely for the past 24 hours.

And even I able to logged in the page wont load completely. And I refresh massive time to get into holdings.

I wish to know, lets say I buy on yesterday 5PM, the transection should be done today? Or I have to wait?