Damn, no wonder all this while I was like "oh, people do actually take profit quite often? so nice they are already financially free and rely only on FSM to cover expenses every month"

ayy, my thoughts on FI:

-Local (and regional) bond could see some selloff due to Fed rate hike possibility end of this year. However the outflow due to rate hike could increase attractiveness of local bond since outflow is short term (our yield still attractive hence we might see inflow again after that).
-Could be OPR cut too next year. But they might cut SRR instead of OPR if needed, so I'm cautious on this
-RHB IBF's 1% redemption rate is a massive turnoff, unless you hold long term. I hold substantial amount in that fund and feel handcuffed. If I want to park money somewhere, I use Anita Mui
-If you can tolerate higher risk, maybe opt for High Yield (junk) bond funds.. though Im not sure if FSM got one

I'm expecting lower returns for local bonds next year.. this year bonds did quite well due to
1) inclusion into JP Morgan index
2) OPR cut
3) General global hunt for yield

One could also argue that
1) Sukuk in high demand
2) EPF Simpanan Syariah effect (might invest more in Sukuk)

So do what you want Feel free to disagree

This post has been edited by _azam13: Oct 15 2016, 01:04 AM

Sure, why not. Compare the Sharpe ratio though

sorry double post

This post has been edited by _azam13: Oct 15 2016, 01:04 AM

Basic question here:

Token can only be used when buying using cash, not switching?

I swear I didnt see it when I went through the FAQ this afternoon.. my bad. Must be sleepy. Thanks a bunch!

Unless we know which stocks the fund manager gonna choose...

nothing has changed, just select UT funds like we usually do

I don't have malaysia-specific funds anyway.. my exposure is through my Asia Pac funds.. if my Asia Pac UT fund managers now think some Malaysian stocks are good to buy then they will..