1 1/2 years ago, FSM came out with this article....

How Can Malaysian Investors Cope With The Ringgit Depreciation? [22 May 2015]
https://www.fundsupermart.com.my/main/resea...n--22-May--5873

then weeks later RHB ATF "chionged" upwards

this week FSM again came out with this article....
How You Can Benefit From A Weakening Ringgit? [7 Oct 2016]
https://www.fundsupermart.com.my/main/resea...-Oct-2016--7560

well history repeat it self?

Will i be lucky again this time, ....will i --uh??

now NAV seems high,...should i wait for lower NAVs to have more UNTUNG?..

With the upcoming US presidential election, is just the matter of magnitude 

Although very small amount, hope the amount I invested in RHB EMBF later will chiong  

EDIT: since the presidential outcome effect is still unknown, is hard to judge the timing 

IMHO currency play is more like a "swing" play, just a matter of time MYR will "normalise" toward 3.80-3.90.

If u wanna ride on this, make sure to have an exit plan.

Just my 2 sen.

how to have exit plan,...for people that aimed to get a few % lower Nav to buy and aim to get a few % higher NAV to sell, so as to make a wider margin of profits...

i think the main one is the FED rate hike....

SAMA SAMA huat lah.......in our foreign UTs
  sama sama see our buying power in KWSP a/c getting lower liao....
is this what they call depreciating saving?

Kenanga Growth Fund (6.18%)
Eastspring Investments Small Cap Fund (6.07%)



Affin Hwang Select Asia (Ex Japan) Quantum Fund (6.31%)
AmAsia Pacific Reits (12.29%)
CIMB-Principal Asia Pacific Dynamic Income Fund (28.79%)
RHB Asian Income Fund (6.18%)
CIMB-Principal China-India-Indonesia Equity Fund (15.59%)


Aberdeen Islamic World Equity Fund (3.12%)
CIMB-Principal Global Titan Fund (15.47%)


Planning to replace RHB AIF to RHB Emerging Markets Bond Fund for more non-asian emerging market exposure
Considering TA Europe Equity Fund and TA Global Technology Fund to increase exposure in US and Europe market

EDIT: Just started less than a quarter, monthly RSP, allocation might skew due to initial investment required for CIMB funds to start RSP, going for RSP minimum contribution, when extra money comes, will rebalance weightage based on their minimum RSP amount

You sure you did it correctly? I don't think it is mathematically possible.

We can't control the external factor that we can't influence 

What we can do is to learn and understand more about our finance/investment and execute accordingly to minimize the impact by external factors. 

p/s: Of course words are easier said than what practical life challenges we faced    but thats what me as a youngster believe in at the very least  that's why we learn continuously and progressively in hope to overcome these harsh situation 

I used  Pinky's Portfolio Worksheet with IRR Calculation at the front page to count
Double check, All units and price and sales charge are exactly same with my FSM info.

Perhaps i overly topped up for this few months? so the IRR looks terrible?
ROI for Kenanga Growth about 2.5% IRR -2.4
ROI for ESISC about 1.69% IRR -4

weird hoh? quite confuse with all this mathematics prob...  

To learn,.....all those....
i though UTs is a simple investment vehicle....
if i choose to believe them this time, i will go with what that had been learnt by FSM (they took my money, they learnt and tell me) and follow what they said in that same article under
"HERE’S WHAT YOU CAN DO"

simple and spoonfeeded....
just hope they are right else have to ask "pak cik bomoh pakai kelapa tu" 

If u have positive ROI there's no way u could get negative IRR. Something is wrong.

When you are profiting, u could have low IRR, but never negative IRR.

Scolding time     

Playing Pokémon Go at? "Gotta buy em all izzit?"

Bold are preferred UTF 

Thanks boss for the reply. Will recheck it by tonight.
btw my current funds are like below:

1) Kenanga Growth Fund
2) Eastspring Small Cap
3) Eastspring Bond
4) Cimb Asia Pacific Dynamic Income
5) Cimb Global Titans
6) RHB Bond

Still suit the asset allocation strategy right?
And feel like wana add RHB Asian Income since Xuzen quite recommend it coz of Low-volatility.
anybody thought about Am Tactical Bond before? 

Quite properly diversified, I give u a

But if u add RHB Asian Income, Cimb Asia Pacific Dynamic Income is redundant. RHB AI invests in the same stuff that CIMB APDI invests in.

Thanks boss for the reply. Will recheck it by tonight.
btw my current funds are like below:

1) Kenanga Growth Fund
2) Eastspring Small Cap
3) Eastspring Bond
4) Cimb Asia Pacific Dynamic Income
5) Cimb Global Titans
6) RHB Bond

Still suit the asset allocation strategy right?
And feel like wana add RHB Asian Income since Xuzen quite recommend it coz of Low-volatility.
anybody thought about Am Tactical Bond before? 

isn't one is a EQ fund and the other is  Balanced fund?

Quite properly diversified, I give u a

But if u add RHB Asian Income, Cimb Asia Pacific Dynamic Income is redundant. RHB AI invests in the same stuff that CIMB APDI invests in.