Sorry I forgot about the Inter-Fund Switching since didn't do it before.

Just a note that if you have funds from other non-FSM fund houses, you can also "switch" to FSM for zero costs.

Just sell your say, Public Mutual fund, email your PM redemption slip to FSM, and you can buy the equivalent amount of FSM fund for Zero sales charge.

No, I don't work for FSM, thanks.

Just rec'd EISCF 1H2016 AR today
Based on recent small/mid cap meltdown in Bursa recently, they hold United U-Li share ony

There's a difference between being cheap and being frugal.

Quite dangerous to mistake one for the other.

Likelihood of a fire sale diminishing lor. Was actually hoping for a rate hike... Short term pain for long term gain.

IMHO - not cheap nor frugal la, VALUE hunter (worth vs cost of services/items)
Hard to reprogram views to look at value instead of at price or cost

eg.
until now (since my 20s) i've been trying to de-program momma (she's a stock "investor") like PBBank, Nestle, LPI VS low priced stocks
look at Nestle, PBBank, LPI at the peak of 2007 VS end 2009 (right after worldwide credit crisis) VS now

Do not fight against inertia aka Newton's second law of motion. What is in motion will continue to be in motion unless met with an opposing force.

So if the trend is going uptrend, ride on its coattail. If going downtrend, do not catch a falling knife.

Xuzen

Law of inertia is Netwon's first law; not second law

As you already said it, law of inertia it's only for for case of without opposing force.

In reality, friction or opposing force is always present.

One friction force, for example, is the business fundamentals. As price moves further away from business fundamentals, the opposing force will push it back.

Sorry for the intrusion .... That's why people believe in the opposing forces are always in play .....

This post has been edited by puchongite: Sep 8 2016, 05:11 PM

Hello...Take a look at my current allocations (ignore the cash management fund I suppose)

Am I already too diversified? I'm 34, have about RM800 / month to invest and have a goal of 8% average by the time I retire.

Should I look at China / India / Emerging markets as another avenue?

I worried spread too thin based on my monthly capabilities.

my uneducated comment is....create & allocate > 20% in Asia Pac...

Ulicorp inching up = my UT going up weeeeee

IMO, if you have rm800 to invest per month, you should look for alternatives for Aberdeen.

minimal top up of rm500 can cause your portfolio to be unbalanced.

even if you top up Aberdeen once every 2 months, that's rm500/rm1600, 30% of your entire portfolio

deleted

This post has been edited by T231H: Sep 8 2016, 08:55 PM

Sifu, for Asia Pac, any good one to recommend ?
I am desperate to look for some good one since my current portfolio return is not up to expectation.

According to FSM...the "better" one is as per the list
https://www.fundsupermart.com.my/main/resea...tormaincode=All

click on the name of the fund,....it will link you to the reasons why they says it is the "better" one.

just NOT sure if that selections can "HELPS" you to improves your current portfolio returns....
I just know that, having a more globally diversified portfolio can helps to minimize some single country focus fund risk.

btw, what is your expected portfolio returns?
how long have you been invested?
what is your portfolio compositions and in what % currently?

Below is my portfolio, composition, return and duration :

1. Kenanga Asia Pacific Total Return Fund : 5% : 2.6% : 6 mths
2. CIMB Principal Asia Pacific Dynamic Income Fund : 5% : 2.6% : 12 mths
3. Affin Hwang Select Income Fund : 10% : 2.2% : 6 mths
4. Affin Hwang Select Asia (Ex Japan) Quantum Fund : 5% : 12.0% : 12 mths
5. Kenanga Growth Fund : 25% : (1.4%) : 12 mths
6. East Spring Investment MY Focus Fund : 5% : (3.9%) : 12 mths
7. CIMB Principal Global Titan Fund : 5% : (3.0%) : 12 mths
8. TA European Equity Fund : 30% : (0.7%) : 6 mths
9. East Spring Growth Fund : 10% : (5.7%) : 8 mths

My expected return is must be better than term deposit of 4%.
But most seems below expectation.
Sifu, any advise ?

() denotes negative

This post has been edited by David3700: Sep 8 2016, 10:15 PM

Hey, I'm just a beginner here. Not sifu.

From what I see, most profit is around 3%. If that's the case, isn't it better to put in FD ?

as pointed out earlier by some forummers....many of the champions of past few years had not been doing well this year...
ex, KGF, EIMYF = M'sia focused....are good example of that this year.....

yr Asia Pac = 10%
Euro = 30%
Developed Mkts = 5%
M'sia = 50%

at 50% and with M'sia mkts not performing well this year...thus yr portfolio affected.
looks like Asia Pac funds are running well this few months.....

if you believe FSM,...try this to see how it should be allocated?
Star Ratings For The Various Markets
https://www.fundsupermart.com.my/main/resea...tarRatings.svdo

https://www.fundsupermart.com.my/main/artic...pdf_Summary.pdf

if you had 50% in M'sia the last few years..."huat abit liao"....

U refer to EISCF?

YES, that is why UTs investment is not for everyone....

if he had that in 2015 that will be another story.....
Equities investment is volatile and returns fluatuates....who know how it will go....
but if in FD one can know is about 3.5%.....