Hi all seniors, I have some dumb question here....
How long shall an UT be kept ?
Is it like shares or forex that you buy low and sell high, then wait for it drop and buy again ?

i may be over sensitive,...but if i can recall..somewhere last month there seems to be some "bad" blood postings by you..
sorry if i am wrong..

How? share please....

Hi all seniors, I have some dumb question here....
How long shall an UT be kept ?
Is it like shares or forex that you buy low and sell high, then wait for it drop and buy again ?

Would like to ask opinion on % of allocation in core and supplementary portfolio , did you all practice the recommendation by FSM which supplementary portfolio (small cap, sector, single country) not more than 20% of total portfolio?

Personally my portfolio around 40% in supplementary portfolio( due to heavy in eastspring small cap) in which FSM advisor recommend to change to core one. What u all think ?

Is it like shares or forex that you buy low and sell high, then wait for it drop and buy again ?
This is done by the FM of the UT...they will most probably sell off those higher valuation stocks and buy those seems to be lower valued stocks.

UTs investors would normally allocate into sectors/country/regions or mkts ratios according to their risk appetite to form a portfolio ....
When that segment is deemed to be of higher valued,...they would reduce the allocation to it or bring it back to their targeted % of allocation....

usually that is what they call rebalancing....

What To Do If Certain Markets Are Getting Expensive?
https://secure.fundsupermart.com/main/resea...SJBlog_20150402

Rebalanced my portfolio for 2014
https://secure.fundsupermart.com/main/resea...SJBlog_20131227

The Importance of Rebalancing A Portfolio
https://www.fundsupermart.com.my/main/resea...-Portfolio-5374

the above was some of my good sunday read stuffs.....

Hi all seniors, I have some dumb question here....
How long shall an UT be kept ?
Is it like shares or forex that you buy low and sell high, then wait for it drop and buy again ?

You're not asking the right questions.

My question to you : What is the purpose that you're investing?

Earn money of course. Just not familiar with how to maximize return in UT 

For me purpose is jumping into UT is because it's not as high risk as shares since we have FM to do the hardwork for us. And I want my money to work harder to stay on top of inflation and of course beat the FD rates. Haha. Sighhh but right now my portfolio return isn't that great. But I have heard it's normal for portfolio that is only about 1 year to not have much visible gain. Needs time and opportunity to build the momentum. Is that correct?

Anyways, I firmly believe 3 year is the minimum how long you should preserve a fund. For me I am trying my best to go beyond that to 7 years since I am heavy on Equity with high risk.

try page# 11, post# 210

there are forummers that posted their portfolio's IRR at < 4% ..... after investing > 3yrs.
guess, they among other things went in at the wrong time.
just like those that went in heavy in M'sia thru previous local champions funds for the past 1 yr....
their returns is not as expected of their reputations......but what can they do...Bolehland mkt is just in need of Viagra.

Hahaha...
I have a special relationship with Lenglui 
IJK... I know 1 of the "H" n "C" personally

Hi I am just a humble investor. Very new to UT and especially new to DIY UT. I have been following this awesome thread and trying hard to learn from best of the crop here. This thread is truly precious. 

Below is my current portfolio. Have been keeping it since last year Oct. I have tweaked the initial recommended portfolio by FSM Client Investment Specialists about 4 to 5 months ago and dropped AmSchroder EEA to take up TA European EF. And also picked up EI Bond Fund. Nearly dropped Manulife India EF but luckily I preserved. Phew!    I think I best hang on to Manulife India EF and VA whenever I have extra cash. The volatility was a little nerve wrecking for a newbie like me.

My initial recommended portfolio was 70% equities fund, 30% fixed income fund. But I had to tweak it during the downturn and I am now roughly around 60% plus equities funds and 40% fixed income fund. I have been doing DCA diligently since the start of my portfolio but last month I have stopped the DCA since my investment amount has reached the desired percentage. So I am going to just VA from here onwards.
12.4%  Eastspring Investments Small-Cap Fund
13.9%  Kenanga Growth Fund

8.4%    RHB Global Fortune Fund
10.5%  CIMB-Principal Global Titans Fund

13.1%  CIMB-Principal Asia Pacific Dynamic Income Fund

3.6%    TA European Equity Fund

6.6%    Manulife India Equity Fund

11.5%  AMB Dana Arif Class A-MYR
11.3%  Eastspring Investment Bond Fund
8.7%    RHB Asian Total Return Fund

6%      RHB Cash Management Fund 2
I am currently thinking of dropping a bond fund. Perhaps AMB Dana Arif and go for Libra ASnita Bond Fund. Going to leave Eastspring IBF there just in case I need to shift allocation from my EISCF should things goes too crazy. I am still unsure if keeping RHB ATR on my portfolio is a good move since it does tends to drag profit abit. It really does not act much like how a bond fund should. Maybe I should just dump that sum into my RHB GFF?

I am also wondering if I have been overzealous and had over-diversified here. Although I have already checked with the friendly FSM Client Investment Specialist and assured my portfolio is still okay. By the way, I am looking at around 7 years horizon for my portfolio.

Gosh, I am still trying to figure out how to keep tabs of how much each investment profited or lost. The IRR and ROI thingy is 

Thank you for reading this and hope if anyone could give this lost lamb a little pointer?     

Thanks. I did note that during the time I started my portfolio in Oct 2015 most funds already high priced. At their peak I think. Then after creating the portfolio, money pumped in and all that, the market started to go down hill from there on till now only I get to see it picks up again. If not for the DCA maybe I wouldn't even see much positive to my portfolio right this moment. Also thank god I went along with diversification. So not too bad. It somewhat cushion the fall.

Are you luckier than me when you first started your portfolio at FSM? Did you manage to hit >6% back then?

Didn't quite understand the "H" and "C"... but anyway sounds like I just gotta kwai kwai pay SC to buy select bond lor.... even with SC the IRR is a respectable 8+%, still worth it la
Hello fellow female forumer, glad to see more of the 'fairer' sex around 

I was more itchy finger when I first started off, so it's not that bad, but if you want to trim, you can

Bond fund
I agree with your plan, drop AMB Dana Arif to pick up Asnita bond, why? See diagram

AMB Dana Arif is consistently below both EI bond and Asnita bond

In the same chart, I've another suggestion for you
Since buying AH select bond is not an option on FSM, you can consider switching the RHB ATR to RHB Asian Income fund. Why? ATR has higher volatility despite being a pure bond fund while Asian Income fund is a balanced fund with more consistent performance. But, will attract sales charge, this switch

Now, developed markets, do you really need 3 funds?


All 3 move in very similar directions lor. Personally I used to have RHB GEYF and didn't like it, alway lagged the other players. So if I'm you I would switch out of the Global Fortune Fund. But into what... I'm not sure if I want such a high developed markets exposure, GTF have not done well since beginning of the year

Lastly, I too started a portfolio in Oct 2015. It's doing ok, ROI 5.x% and I'm very glad that I took the RSP route instead of lumpsum. Otherwise it may still be in the red

You ROI is good. May I know what funds you have in your portfolio? Just curious since we both started in Oct last year.

Didn't quite understand the "H" and "C"... but anyway sounds like I just gotta kwai kwai pay SC to buy select bond lor.... even with SC the IRR is a respectable 8+%, still worth it la

Lastly, I too started a portfolio in Oct 2015. It's doing ok, ROI 5.x% and I'm very glad that I took the RSP route instead of lumpsum. Otherwise it may still be in the red

This is applying what I learned after 2 years of DIY investing on a portfolio I manage on behalf, but eventually also itchy finger and added smart balanced fund when it fell quite a bit last month 

60EQ:40FI .... ish
Actually my RHB ATR IRR is 6.94%, not that bad really. Main laggard is GTF, just broke even

i started 29/10/13 lump sum 100k. then i sell when i see profit up, and buy when i see it down. Guess what so far i have sold off RM166k. My IRR bolehtahan jugak at 7.68%, would have been higher if not  for that mistake commode from Am, losing money from D1, today still -RM6160!

no  so called RSP etc. would u say this is lucky?