My port, lost some money in the US side, but the Asia-Pac and India side cover the loses and it is on the positive territory. I sold all my GTF on Monday just before Brexit Thursday. I do not want any exposure to Eurozone for the time being.

Xuzen

These data are usually not openly available to retail customers. They are usually proprietary.... meaning kena beli punya.

Xuzen

Cash portfolio. Since Qtr-3;Yr-2013.

Xuzen

If you have already a plan i.e., already determined the right asset allocation mix based on your risk tolerance and the type of return you want, naturally the type of question as above will not occur in your mind.

If you have an asset allocation plan (AAP) in place, all you need to do is just to regularly top up DCA until you reach your desired amount or percentage.

Back to your question; what to do now?

If you have a proper AAP, and the percentage sudah lari, then top up to rebalance it to the original intended percentage. This way you need not scratch your head wondering what to do next.

If you do not have a AAP set up, you may take a look at mine:

I) RHB Asian Income x 30%
II) Manulife India x 15%
III) Manulife US x 35%
IV) ESISC x 20%
(The above geographical mix is determined by Algozen™ based on optimal level of risk (standard-deviation) , return and correlation coefficient. (3 parameters that are intertwined algebraically)

The above is strictly equity; I also keep FI in Asnita Bond. The percentage in bond I use a very simple formula: 100 - current age = % to be kept in Asnita.

So, let's take a working example: You have RM 100K liquid money and your age is 50 y/o; hence keep RM 50K in Asnita Bond. The rest are split this way:

I) RHB Asian Income x 30% x RM 50 = RM 15K
II) Manulife India x 15% x RM 50 = RM7.5K
III) Manulife US x 35% x RM 17.5K
IV) ESISC x 20% x RM 10K

Now you know your AAP, do not put in lump sum but rather perform DCA mthly or in period you determine. E.g., every month you put in RM 5K to be split into:

I) RHB Asian Income x 30% x RM 5K = RM 1,500.00
II) Manulife India x 15% x RM 5K = RM 750.00
III) Manulife US x 35% x RM 5K = RM 1,750.00
IV) ESISC x 20% x RM 5K = RM 1,000.00
Total = RM 5,000.00 for the next ten months.

In this way you need not have to ask what to do, what to do. The AAP will smoothen out the volatility itself.

Xuzen

This post has been edited by xuzen: Jul 2 2016, 10:18 AM

To clear away the doubt; as one gets older, one should hold more Fixed Income asset.

Xuzen

As for me I got out of GTF just one week of Brexit to avoid exposure to Eurozone at all. It is like going to visit a brothel without bringing along lube and rubber. You just never know what you gonna catch from it.

Xuzen

Eh Pink,

You come back here to play liao ar? The local stock-market susah cari makan liao izzit?

BTW, India is rocking!

Xuzen

No comment.

Xuzen

Duit Raya from Unker Sam!

Bad replacement because CMF if you sell is usually T+1; whereas for Asnita it may take up to T+10 to get the money into your account.

CMF is more like your cash account. Asnita is not.

Xuzen

Topping up this week:

I) TA Global Tech for USD play

II) India for diversification

III) RHB Asian Income for core stability.

all RM 1,500.00 each.

next mth first. No money liao.

Xuzen

If got Moolah I buy this...

This post has been edited by xuzen: Jul 13 2016, 03:22 PM


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Those unker / aunties who hold large Bond UTF sure happy liao... esok NAV semua naik! Money Mkt fund = T1U!

Xuzen

p/s Esok FSM will sure do promo on their Fixed Income fund.

This post has been edited by xuzen: Jul 13 2016, 03:43 PM

mana ada? My India fund NAV naik wor!

Xuzen

algozen™ boleh pakai hor?.... Brexit vote on 23/6/2016; Algozen™ sell all Euro related asset on 20/6/2016.

Xuzen

This post has been edited by xuzen: Jul 14 2016, 09:17 PM

Libra Asnita Bond

Xuzen

Such wrong view.... at best EPF + UT maintain your current lifestyle nia.

Want to live like king, then start a company, IPO'ed it like Jack Ma.

Sorry to burst your bubble.

Xuzen

I heard Taiping can still get wan tan mee at RM 2.80/plate.

Xuzen

Sorry buddy, I totally missed the " " thingy! My bad