I bought it April 2015. I don't really do DCA very frequent.
Since initial purchase, I only top up once or twice.
I just recently top up since the fund ROI is still negative; hoping that it'll be bring down the average unit price lower.

Hmm... where i seen this similiar statement before..

Your overall IRR @ > 10% is very gud

hey guys funds like my manulife India and RTF that I purchased last year have netted me a good roi.

I was thinking to I start selling off the profits to be used to buy into another fund and leave the "capital" untouched. would that be a wise move or do I just leave it?

help.

I am doing the first u mention, profit taking while leaving portion of capital for growing

good to hear that you made good ROI on those funds
btw, why do you want to "sell" off the gains?
if it is b'cos you think that the NAV of those funds would come down,...in the coming future?
if yes,..i may suggest that you switch out more of your current holdings in those funds instead of just the current gains....

but, if you just want to rebalance your portfolio......then that is another story...

to be honest ever since I step into UT I find it that it is easier to buy and switch but never once have I enjoyed the cream from my hardwork so to speak.

anyways to answer your question I was thinking like along the lines of fix deposit? leave the capital. use the interest gained to invest somewhere else. how it impacts my capital I am not sure. so advise on how most of you do this?

as of now I'm treating UT like a forced saving. putting money in funds that I trust via DCA

apparently most Google research for UTs teaches more on how to invest rather than how to sell.

ps I already did a total over haul on my portfolio back four months ago

if you want can try this....
When to sell?
This is often a difficult decision to make. What if you sold and the price went up further? What if you don't sell and the price falls? So we created 3 simple rules of thumb for you to follow:
https://www.fundsupermart.com.my/main/schoo...g.svdo?PageID=9

thank you stranger. blessings of Talos be upon you .

I have been skimming the profit from India and TAGTF into RHB Asian Income. This means I leave the capital there to generate the ROI. The profit move to a less volatile UTF to preserve the profit.

With regards to the point when to buy and when to sell; the most logical answer would be Buy when you have the extra money, don't time the market. Sell when you need to use the cash, again don't let the market dictate your action.

Xuzen

This post has been edited by xuzen: Sep 3 2016, 09:51 AM

How much total u DCA per month?

depending on how much I am able to save as long as I have enough for the month to survive so sometimes it's 1k or if possible 2k.

Maybe we can do a market running by SC promo portfolio simulator! Haha

Sure, get the other female forumers to do it. TS is really not my thing lor. Did you see how dead FSM SG thread is?

Hmm? What does that means? SC promo to move market? That one u need to get public mutual to do la. FSM AUA after so many years baru rm1b. Some more scattered in so many fund house. Sure no effect

One PM agent on Cari forum indicated that PM management discussed about FSM n concluded that online platform is not a threat to them because investors still prefer door to door sales service. We will see...

If anything, the complacency will bring the company down

This post has been edited by dasecret: Sep 3 2016, 11:16 AM

How long u have practiced DCA?

Good u practice DCA spread the risk..

I have stopped topping up PM funds ever since I discovered FSM. Their expensive SC is a big turn off. Funds performance are so so unlike back in the good old days.

Same here, used to be the public mutual God member. Then iI started with FSM in hk, before they started operating in Singapore and Malaysia

Y no one discuss Rhb Bond Fund or Rhb Islamic Bond Fund as their returns is decent?

If it's decent there's nothing worth discussing.