Eh, I can't remember what I said. 😃 All I know is when there is a storm and there is nowhere to run, sometimes the best solution is to do nothing and to ride it out. 😅

Affin Hwang Select SGD Income Fund? FSM recommended fund of the month?

Pftt. I have this fund in my portfolio. Utter rubbish fund. I can't wait to get rid of it. Benchmark is 12 months FD? I should have put in the Maybank E-deposit now currently offering about 4.31% for 12 months.

P/S: It doesn't matter whether you are a gold account or platinum account holder. The usual sales fee of 2% will apply even for RSP.

Less than one year. But it is a balanced fund. More than 68% in bond. Supposed to be steadier, no?

So if it is making losses consistently for more than 6 months, I consider it as a FAILED Singapore investment in my portfolio.

Yes, I think you could be right. Sorry I am just ranting here. Male menopause.

Hahaha. 22% return from global funds (???). I think Warren Buffett also has to close shop like this.

There is just so much BS out there. This reminds me of the passage from a finance book which goes something like this.

"Everyone has an opinion about how the share market will perform in the future. These are all speculations. If the speculation/prediction is correct, then the person is hailed as a genius. If the prediction is incorrect, then the person doesn't lose anything. The correct way is for all the fund managers, financial "genius" etc. to put their money where their mouth is. EACH PERSON WILL CONTRIBUTE USD100 into a cookie jar for each and every prediction that they make. At the end of the financial year, the person making the correct prediction will take all the money from the cookie jar".

This post has been edited by Vanguard 2015: Apr 20 2016, 05:36 PM

My 2 cents worth...please do not rely on unit trusts alone as your retirement fund. This is especially so if we are investing in actively managed funds and not low cost index funds. The performance of the unit trusts will depend on the fund managers, who will come and go.

Treat unit trusts as one of your baskets of investment. Some investors like Mark Mobius invest 1/3 in property, 1/3 in cash and 1/3 in unit trusts.

I had this fund but sold it off already after making some profit. I think it has a positive correlation of more 0.90 with CIMB Global Titans, Eastspring Global Leaders Fund and the RHB-OSK US Equity fund.

If you don't mind having overlapping funds and need an aggressive subsidiary fund, then you can consider buying it.

I have sold off my remaining TA European Equity Fund. Going to cut down gradually on my equity funds and buy more bond funds.

Sorry, apa itu GEYF?

I am now currently only at 10.63% in bond funds. If follow my heart, I want to have 100% bond funds. If follow my brain, then it should be 60% bond funds and 40% equity funds.

This post has been edited by Vanguard 2015: Apr 25 2016, 05:57 PM

Ah, I see. You can try the method below. But I cannot guarantee whether it will work or not ah. Please don't click if there is still a switching fee of RM25.


Option 1

RHB GEYF = RHB Money Market Fund = RHB Islamic Bond Fund

If Option 1 cannot work after the RHB Money Market Fund stage, then move to Option 2.

Option 2

RHB GEYF = RHB Money Money Market Fund = Cash Management Fund = RHB Islamic Bond Fund.

Note : 1. No matter whether you use Option 1 or Option 2, you will surely get the credit points.

2. Cash is also an investment class by itself. There is nothing wrong with holding cash in the short run while waiting for better opportunities to invest.

This post has been edited by Vanguard 2015: Apr 25 2016, 06:37 PM

Tell me about it bro. No where to run, no where to hide.

Macam mana ni? Buy equity fund. Die. Buy bond fund. Die. I know, I know. We all buy ASM ok?


I got Libra Asnita Bond Fund and Eaststpring Bond Fund in my portfolio already. Looking for other exotic bond funds.

I don't discriminate. I buy everything.


Somehow I have accumulated more than 225,000 credit points in FSM. But I got no cash to top up anymore for my main account. I am concentrating RSP for my 2 beneficiary accounts.

I am looking at EASTSPRING INVESTMENTS ASIAN HIGH YIELD BOND MY FUND - MYR HEDGED. But it is a new fund with no track record. It did well for the 1st Q with a return of 3.90%. But how it will perform for the remaining year? Nobody knows. So main tikam-tikam? Would you like to tikam with me and try out this fund?

P/S: It is for qualified investors only but who is checking?

See above. I buy everything. PRS, ASM, Wawasan 2020, EPF, endowment policy, FSM, Public Mutual. 1Malaysia!!!

I have a dormant Kentrade account. I was supposed to go into stocks this year. But too lazy. If go in also, main tikam-tikam by relying on the research by Kenanga and others.

Property investment? I missed the boat. Now property glut. So I am holding on first.

Thank kiu. Thank kiu. But did you notice one problem with my "investments"? All of it is based in Malaysia. If Malaysia = Greece, then everything will be burned.

It was on the Maybank onsite. The terms are:-

(1) Minimum deposit of RM10K. Lock in 12 months.
(2) E-deposit only. Meaning for Maybank 2U customers only.
(3) Promotion ends 30th April 2016 or when the fund is full, whichever comes first.

So, if you are a Maybank2U customer, just try e-deposit online and see if the promotion is still on?

Off topic a bit.

When I analyse some rich clients and friends to see how they became rich, it was either by:-

(1) Property investment. I am referring to long term investment with more than 5 rental properties. Not property flipping;

(2) Running their own business, being housing developer, rubber factory, electronic factory, construction line, etc.; or

(3) Inheritance because their family is rich.

Sad to say but I have not seen one person who has become rich from unit trusts investment alone. I have also not come across a person who became a millionaire from trading in shares (excluding those who became rich through insider trading or maybe playing contra?).

But having said that, speaking from experience, a white collar worker with a university degree will earn at least RM1 million in his working lifetime. Whether he will become a millionaire in his retirement age will depend on his savings and spending method, not on his investment. Without savings, there is no money to invest in the first place.

This post has been edited by Vanguard 2015: Apr 27 2016, 05:08 PM

Many moons ago I bought some REIT funds in FSM. Then I sold it off. I can't remember the reason. Was it because the risk rating is 10 for most REIT funds?

Wah, suddenly this thread become so HOT when the market is HOT.

Is it a good time to buy or to sell now? There is no difference for the true unit trust investor.

As William Bernstein said, "The most dangerous time to buy is in a rising market and the safest time to buy is in a falling market".

I am restructuring the portfolio for my main account again.

1. Ponzi 2 - trimming down
2. Affin Hwang Select SGD Income Fund - switching out completely
3. Eastspring Global Leaders - switching out completely

Profit thus far about equal to FD rate. Hope it will be better in the future. To diversify more.

This post has been edited by Vanguard 2015: Jun 7 2016, 10:57 AM

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.

This post has been edited by Vanguard 2015: Jun 7 2016, 05:22 PM