Currently I am at 100% equity funds. I intra switched 3 of the equity funds into bond funds as per my earlier post. I will buy more bond funds.

What other funds to buy? It will be the usual suspects from the FSM Recommended List of Funds. Thus far, I still have KGF, EISC, CIMB Global Titans and Ponzi 2 in my portfolio. I also have an alternative investment fund which is not performing. I have 2 remaining China funds to switch out later.

If you have any good funds to recommend, please let me know. Otherwise I tikam-tikam sajalah. 

Paiseh, paiseh. Actually I sold off some bond funds earlier. Before this, I think I had maybe about 15% in bond funds.

Actually it is easy to remain steady for the past few months. Just don't log into FSM online or do it once every 2 weeks. Drown yourself in office work.  

Thank you for your recommended funds. I also have the Libra Consumer and Leisure Asia Fund in one of my supplementary portfolios. I think is on Viagra and steroid. Over the last 1-2 months, suddenly the ROI spiked to 8.37%. Unfortunately I only invested a small amount in this fund. 

for your sake (and mine because i also have a substantial % in ponzi 2.0), you need to understand why there are ups and downs in a certain fund.
1) the myr has been strengthening since march, hence negative effect on ponzi 2.0. at the same time, the market wasn't going up by much. hence the drop
2) these 1 month the myr has been very volatile, weakening again, and market seems to be on the positive side. hence the rise.

don't start to celebrate cause it has been green for the past 1 month. we are supposed to be in it for the long term.
excluding my cash holdings in CMF2, my EQ:FI ratio has always been around 95%:5%... was abit down the last few months, but looking all green again... now why didn't i top up 2-3 months ago?

Agreed, but should you actually put real properties into the mix? Reits and developer stocks I would definitely say yes, but to put an illiquid asset into the same category as assets with MTM value?

election cannot tahan lama...
ada obat tak? 

beginning of Jan Global EQ corrected....
from end Jan till now...his ROI is +4.37%....
I think it is better than FD.

Roller coaster ride is here again. I am comparing the performance of the 4 FSM accounts that I have.

For now, the account that is giving me the less heart attack is the one with the highest exposure to bond funds. The equity exposure is only 25.22%.

This account has among others, Eastspring Bond, Libra Asnita Bond and RHB Islamic Bond Fund. Smooth sailing. No stress. ROI from 3.32%, 5% and 4.48% respectively.

It also has RHB Asian Income Fund which just turned green with ROI at 2.22%. I just sold off RHB Asian Total Return Fund (too volatile for this particular FSM account). But in the long run, I suspect this account will lose to my other FSM accounts with more equity exposure.

Note : In the current market, for middle aged investors like us, maybe it is time to have a balance of 50/50 in equity funds/bond funds or 60/40?

beginning of Jan Global EQ corrected....
from end Jan till now...his ROI is +4.37%....
I think it is better than FD.

No special strategy. I am just a layman.

Account 1 - My own account. Major in equity and alternative investment funds. Recently I diversified some into bond funds.
Account 2 - My son's education fund. Combination of equity and bond funds. Doing monthly DCA.
Account 3 - PRS and combination of equity and bond funds. Doing monthly DCA.
Account 4 - My wife's money. So majority in bond funds. This account is capital guaranteed by Vanguard. Any profit she take. Any losses, I will absorb.

Technically I am not pumping fresh money into Account 1 and Account 4.

I agree with you. It may not be a bad idea to switch some money into F1. This is what I did for my Account 1. For the equity funds which overlap with each other or which I don't like anymore, I switched out to bond funds. But I don't think we should switch out completely from Equity Funds. Maybe at the worst case, still maintain at least 20% in Equity Funds then do quarterly VA or monthly DCA to buy more at low prices?

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

Expected returns?  Can beat amanah saham or not?

It's around that region...

How much you need to pay for this switch (in percentage wise)?

Xuzen

My sis "makes" more % with her flexi-mortgage than cash mgt account, thus tough

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 

Who cares for the theme as long as the fund interested is under the discounted SC rate.

I also topped up GFT

Confirm monitoring only this thread and participate in Chinese version. From mouth of FSM GM himself.

Cari forum. It's in Chinese.

According to Mr. Wong, it is because LYN FSM don't need any promotion (maybe got a lot of sifu here already hehe) whereas they need to promote FSM and online UT purchase in the Chinese forum.

We continue to favour the US High Yield segment despite risk assets having been hit by the result of the UK's referendum.

A reduction in exposure to the Asian bond and Asian High Yield segments in ones fixed income allocation could be appropriate at this juncture, with our preference for the exposure to be allocated to the short duration segment.

The closest u can have:
https://www.fundsupermart.com.my/main/fundi...nd-Fund-MYMBGBF

notice that RHB Islamic Bond's fund size double up in 6 months time to > RM100million. That causes the cash holding of the fund increased to 52%, performance also dropping. Perhaps the fund manager should temporary freeze  the new subscription until the 52% cash holding converted to bond investment  ?

Can we find the credit ratings from rating agencies like RAM?

CIMB Group Holdings Bhd...
http://www.ram.com.my/4_1_1.aspx?catID=21f...=&g4id=&filter=

Special Power Vehicle...
http://www.ram.com.my/4_1_1.aspx?catID=21f...=&g4id=&filter=

KT Kira...
http://www.ram.com.my/4_1_1.aspx?catID=21f...=&g4id=&filter=

No rating for MEX, yet.