even if i had silver or gold it won't matter when I'm in this piss far away town called kuching.

investing in unit trust is like making a cake. you need all the combination of ingredients to make the perfect delicious cake. so in investing you need diversification, proper research on the funds you are buying, being patient and not be too greedy to add only one ingredient expecting the cake to expand.

you are right you have been diversifying but you forgot to properly choose which funds. there are dozens of funds out there for the picking and categorize them into their geographical regions, choose the best funds based on your region and invest then wait by application of DCA.

i got a feeling you rushed into it and saw your ROI being pulled hence in desperation you invested heavily into two funds.

Just for your info some of us have dumped GTA. it isn't the Golden egg laying chicken anymore.

regards.

true the crystal ball did say so but I am very unhappy that it plummeted so much over the months and that the economy in the western regions are unstable with brexit and everything so I'm laying away from it. so I did a whole portfolio change. traded gtf, ponzi 2.0 and a few funds to Asia region.
immediately my portfolio increased by 5% which is better than I ever had. to yeah sometimes the crystal ball does help with a pinch of salt

hey man don't forget there's a 2% platform charge which is 6k in one single transaction. i hope someone informed you of this. if so better go get a very good fund manager for yourself and let him do all the work

no. that's for promo. off promo and the equities will be charged 2%

also I would suggest that xpmm take the total amount of money and divide that to the expected years he is going to live. sorry but you have to start planning for your eventual death.

example you are 48 years old now? let's say you will live to the age of 80 years old. that's 32 years for that 300k to be used (theoretically speaking) so

300,000/384 months that means you gave 780rm to spend per month till you die. that doesn't include medical bills if you arent covered.

my point is this, dont retire and not do anything. continue working to supplement your life. the money you have go diversify it.

go place in a fix deposit for emergency. incase you need money Fds can be taken out immediately 100kx4% is 4000 per annum. this is for those who have zero knowledge in UT

from there place another 100k to be spreaded over the course of 12 months to invest in funds. look at funds from their geographical expect. so in one month you gave 8k to buy funds. that 8k you divide to percentages to buy each geographical fund like xuxens DCA which is

15% to India
25% to Asia ex japan
25% to small cap
25% to us.

you cannot go wrong from there.

also if you have children I would suggest you to save money to buy yourself a nice plot of land for your casket and settle the funeral arrangements with your money. these things don't come cheap and in case of your eventual sickness it will be even more of a burden to them.

da heck. you calling me an old timer when I'm barely 30 lol. it's not about the age it's about the sense to worry about the future and plan ahead. one that most people do not have

xuxen doesn't sell but it has shown that the fsm people take his crystal ball predictions very seriously. if not how come he doesn't get charge for switching fees.

well crystal ball man has helped me more than any other research papers or sites. if I could I'll buy that beast a meal.

sad you didn't highlight the free meal part for you. =(

Xuzen would it be okay to start selling a few units now?

perfect. tbh I came into ut reading and researching how to invest the best funds that I totally forgotten about how to reap the rewards I made.

Came in this thread expecting to read the usual on the latest happenings on UTs but realize I was reading about FDs interest rates. Come on lah, stick to the topic can or not.

Hoping the down trend Continues till my monthly DCA.

Read back his posts I think 20 pages down if not memory serves me right his recommended funds are

Manulife india
Rhb Asia income fund.
East spring small cap.
TA US

This post has been edited by Avangelice: Aug 19 2016, 05:52 PM

If you have props you can use your EPF to pay for the installment.

Better than leaving the money for epf to bail our 1MshitB

Yeah you did. Whats your portfolio like? I had to reshuffle everything during Brexit and my red sea turned into a calming turquoise coloured Bahamas

I really would suggest leaving epf funds to themselves and force yourself to start saving by using your own montly wage to buy into UTs. No idea why people use epf and think they can build a portfolio better than epf roi