I scold

1. Timing - UNLESS u telling me u invest in both AT THE SAME TIME(s)
2. RHB AIF has bond exposure

Gostan balik read my recent previous posts on using IRR per se to assess whether a fund is "good" or not.

then he would have BOND, Balanced, EQ funds....
unknown to his % of allocation........
guess, it will be his appetite....

But their graphs don't follow the same pattern. When the CIMB one goes green, the RHB one goes red. LOL.

This post has been edited by puchongite: Oct 10 2016, 11:28 AM

If I instead opt for APDIF + RHB EMBF, would it be a similar combo as RHB AIF standalone?

Yup. Its best return..
Highest in my portfolios

RHB AI - Asian bonds + Asian equities
CIMB APDI - Asian equities

Of course won't follow same pattern.

They invest in the same markets but won't have identical stockholdings. Decide whether u prefer stock picking skills of Schroder (manager of the Target Fund of RHB AI) or CIMB-Principal then select accordingly.

Should u decide to pick CIMB-Principal, u may gain exposure to Asian bonds thru RHB Asian Total Return.

Different because RHB AIF has bond to balance out the volatility, but their equity portion is very similar

maybe like pointed out earlier by MUM,..1 is a EQ fund and the other is Balanced fund...thus performance wise could varied...

Read my reply to puchongite.

RHB EMBF has exposure to non-Asian EM bonds.

If I also wanted to have exposure in non-Asian EM bonds, would asian bond exposure in EMBF similar to ATR?

EDIT: nvm, EMBF mostly government bonds but diversified to a lot of countries, ATR focus exclusively on asia but diversified sector, hard choice somehow

This post has been edited by AIYH: Oct 10 2016, 11:40 AM

You are eating your own words now, you were saying investing in one is redundant to have the other.

RHB EMBF is more or less 2/3 exposed to Asian bonds
BUT
RHB Asian Total Return also has exposure to Developed Asian (i.e. Japanese) bonds

They're A BIT similar but not same. Bear this in mind.

That's why I have both.

If u want to have RHB AI, don't buy CIMB APDI, don't buy another Asian bond UT. Have RHB AI dah cukup. FULL STOP.

If u want to have CIMB APDI, buy RHB Asian Total Return to gain exposure to Asian bonds. FULL STOP.

Read my last few posts AGAIN to get my thought process

I think u misunderstand

RHB Asian Total Return =/= RHB Asian Income

The former is an Asian bond fund.
The latter is an Asian balanced fund.

This post has been edited by Pink Spider: Oct 10 2016, 11:52 AM

Xuzen penakut, bolanya bukan buatan jenis keluli tungsten. Jadi, beliau hanya beli RHB AIF.

p/s For non Malaysia, Rojak is a kind of dish that is made up of all kinds of salad, potato and fried toppings such as onions, prawn fritters etc.

This post has been edited by xuzen: Oct 10 2016, 12:03 PM


Attached image(s)

Put it this way -

If u prefer to have a Fund Manager juggle the split between bonds and equities for u, go for RHB AIF.

If u prefer to juggle it on your own, take CIMB + RHB Asian Total Return.

kimyee73 ™ indicators

i have this balanced fund RHB Islamic Regional instead, to pair with my CIMB APDI
This fund has a bigger exposure towards lower region of Asia, mainly Thailand, Indonesia and Philippines.
Having it since September last year, it has been tanking till recently, around 3months ago, starts giving more profits
ROI is at 3.65% since i bought it, dca monthly for first 6 months then i leave it, no top up since the last dca
is currently at 7% of my portfolio, ya i know the return is not much, but the reason i bought it was to have a bigger exposure on the lower region of Asia, specifically on Indonesia

On the bond side, it has some exposure in Asia bonds, and i pair it with RHB EM bond which i bought just 3 months ago

Mostly on Malaysia funds, like 75%
Those Cimb funds just maintain for 25%

Perhaps now not a good time to top up Cimb since they getting the highest NAV?
But after I read bout NAV stuff from this thread, so now change my mind to do DCA rather than DVA(value cost averaging). And the disccusion about buy low sell high in this thread really inspired me lots.

Don't wait for Fed and president election, just top up every month will do.

Here's my 6month old portfolio fund allocation. I'd pefer slightly heavy bias towards foreign exposure.
Any suggestions/comment welcomed.


Now /Target /Fund Name
15% / 20% / CIMB-Principal Asia Pacific Dynamic Income Fund
21% / 20% / CIMB-Principal Global Titans Fund
20% / 20% / Kenanga Growth Fund
19% / 15% / United Income Plus Fund
07% / 15% / AmAsia Pacific REITS -Class B
18% / 10% / RHB Islamic Bond Fund

Do you have a specific monthly date to top up, or you top up as you like or follow RSP?

Any preference on focusing in Malaysia?