consistent beat BM also no invest,
not beat BM also no invest.....
apa /bila you want to invest? 

if based only on this question....
some sifus (ada Cert punya) would do this....
refer to the methodology as in here....
https://www.fundsupermart.com.my/main/resea...tormaincode=All

for a layman like me,..i would
1) decide on the allocation of FI:EQ to have in my portfolio
2) split up the allocations into different regions/sector
3) find the funds that suit those regions/sectors...most of the time thru the use of recommended funds lists  and
4) doing them with an eye of the 3 yrs volatility ratio score.

if the fund that is worth to buy, but are found to be way above my risk appetite.....I just forget about it......I got no balls.
(but some would suggest to allocate some % for this type of opportunity and trills.)

btw, how do you decide?

consistent beat BM also no invest,
not beat BM also no invest.....
apa /bila you want to invest? 

he meant  the fund beat BY the benchmark 

Sorry guy.......due to my lousy language ......make u guy confused......

i mean Benchmark beat the annual performance .......very very sorry....

if based only on this question....
some sifus (ada Cert punya) would do this....
refer to the methodology as in here....
https://www.fundsupermart.com.my/main/resea...tormaincode=All

for a layman like me,..i would
1) decide on the allocation of FI:EQ to have in my portfolio
2) split up the allocations into different regions/sector
3) find the funds that suit those regions/sectors...most of the time thru the use of recommended funds lists  and
4) doing them with an eye of the 3 yrs volatility ratio score.

if the fund that is worth to buy, but are found to be way above my risk appetite.....I just forget about it......I got no balls.
(but some would suggest to allocate some % for this type of opportunity and trills.)

btw, how do you decide?

Sorry guy.......due to my lousy language ......make u guy confused......

i mean Benchmark beat the annual performance .......very very sorry....

From 2003 onwards, I also started using my EPF Account 1 to invest in unit trust but locked in profit by selling 80% of my unit trusts in May 2007 when I felt that I had made enough i.e. profit close to 100% of my capital, the market went up further before sliding down in 2008. I am now (refer to early 2012 when this article was first published) considering selling off the balance 20% not sold in 2007 as the market is at an all time high where I am still making close to 100% profit but if I had sold the 20% in 2007, I would actually be making more after considering the annual dividend from EPF.  In 2008 when the market was in bear mode, the value of my unit trust if I had not sold would be about half of what it was in 2007. Investing in unit trust especially relating to equities is no different than investing in stocks. There is a yearly annual management fee on your unit trust besides the initial fee when you purchase the units. Anyway, it will be more than 10 years before I can actually withdraw from my EPF Account 1. So I am waiting patiently for the next round of bear market and then jump into buying unit trust again with my EPF Account 1, but no one really knows what will happen in the future and a bear market can last for 10 years too.
https://genxgenygenz.com/2016/10/08/investm...lth-retirement/

Just on the risk part.

You seem to know your own risk appetite very well. Question for me is that, how does one find out his own risk appetite ? When market is good, one's risk appetite is high but when market is bad, one's risk appetite is low. But by then it is too late. How does one access his risk appetite ?

p/s: Not a challenging question. A humble question to find out the way to do it.

Food for thought.  

Food for thought.  

Are you able to accept that your fund will go crash to 50% or below? (like RHB Gold  )

Are you able to stomach a fund that drops more than 10%? (like most US market fund where if another 2008 happen again) and believe it will rise up again to cover your losses?

I will wait n see.....

Just on the risk part.

You seem to know your own risk appetite very well. Question for me is that, how does one find out his own risk appetite ? When market is good, one's risk appetite is high but when market is bad, one's risk appetite is low. But by then it is too late. How does one access his risk appetite ?

p/s: Not a challenging question. A humble question to find out the way to do it.

Obvious there will be various shades or categories of this for each person.
......
So how does one find out which category he belongs to ?

Obvious there will be various shades or categories of this for each person.

Example, the first question is not acceptable to me.

The second question I am ok with it.

So how does one find out which category he belongs to ?

Asian share market is in bad shape this morning, so can still wait....

I believe that if you can't accept the first scenario, is best not to invest in funds that are sector focus (like minerals, property, technology etc...) as if anything happen to the sector as a whole your investment will go down to the drain 

If still can accept 10-20% loss then diversified EQ funds will be ok

if can accept 5-10% loss then balanced fund will be good.

Less than that, just stick to fixed income 

Above is how I evaluate, others will have different opinion 

Let take TA-Global-Technology-Fund as example;

Seen like the annual performance always beat by the Benchmark, then i won't invest it BUT it seen that so many ppl interest in this UT...