Dis your Head Tri Bution

Read Post #1 and get it into your head.

There is no one right answer. It depends on the age of the investor, his income level, whether he is self employed or an employer, whether he is servicing a lot of loans, is he married or single, with children, etc?

As a very general principle, IMHO, it should be:-

1st Pocket - 3 to 6 months of living expenses. If you are working in an unstable working environment (e.g. oil & gas) or self employed, it could go up to 12 months of living expenses. So a person who needs RM5K a month for food, traveling and servicing loan would need to have at least RM15K to RM30K in savings before even THINKING of other pockets.

2nd Pocket - This could be 80% to 90%.

3rd Pocket - This would be 10% to 20%.

I always believe in the same way we preach DIVERSIFICATION for unit trust investment, unit trust by itself should be an asset class in a basket of investment. The basket of investment could contain EPF, endowment policy, property investment, stocks, PNB funds, etc.

Of course when we are young, it is impossible to do everything. So we start with the basic principle, to save at least 10% of our gross monthly salary and increase the saving every year.

This post has been edited by Vanguard 2015: Sep 26 2016, 05:13 PM

OkOk don't talk about this fund. Now we know why no one talking about this one since it is so underperformed. I'll just let this portion of investment sits on a broke-down ship (still repairable?). Hope it can weather 7 years of storm and give some surprises when it anchors at the shore later on. Don't think it will sink

Learn.

Distribution in the context of UTs is meaningless.

Go read Post #1. I sumbat $$$ in your poket now.

Thanks! Yes, I know distribution is meaningless.. I shouldn't mention distribution in the first place but just now I glance through latest fund factsheet and see they put a nice distribution history... When I asked I already say this fund is 'not so performing'

"Anyone still holding the not so performing RHB Equity Trust?"

... only later from 'not so performing' become 'lousiest performing' by xuzen

thanks anyway at least I know what other think about this 'RHB Equity Trust'.

This post has been edited by vseries: Sep 26 2016, 05:50 PM

From what I see inside the fact sheet, RHB Equity Trust only have less than 1% in cash liquidity. 96% in Malaysia equity.

Whereas Kenanga Growth Fund has 1/4 in cash and 3/4 in Malaysia Equity.

Their performance difference is HUGE in 3 years at least.





BTW, how do we measure the risk adjusted return from the info given in FSM?

I only rely information like Sharpe Ratio to differentiate between funds.


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I baca ni je dah rasa something wrong...this fund used to have quite high Asia ex Japan allocation. Why now so bullish on Bolehland when there are better opportunities elsewhere?

Stil considering to top up GTF or not.. been overweighting KGF and Ponzi 2 ..all Asia & emerging market fund as per advise by fsm for the 5 star rating. GTF needed to balance the portfolio needed if Fed start to increase interest ?

this is what FSM said last year.....

Rate Hike To Doom Equities? Not Necessarily!
The three words "Fed rate hikes" strike fear into even the most seasoned of equity investors, as a hawkish Fed may pave the way for the bear to crash the party. However, if history is of any guidance, there is no need for investors to bail out of the equity market. In the last rate hike cycle dating back to June 2004, when the Fed added 425 basis points to the Fed funds rate, the S&P 500 Index delivered an annualised return of about 4.5% over a period of two years (see Chart 1). While equity markets could see some near-term volatility (code word for wild market swings) in the lead up to the first rate hike, it could open up attractive entry points for investors who have been on the side-lines.

Don't Put All Your Eggs In One Basket - Diversify!
To prepare for the rate hike, investors should also continue to maintain a diversified portfolio of investments across a wide array of asset classes and geographies, because it is extremely difficult to predict how various market segments will move in response to a Fed rate hike. Historically, various market segments move differently in various Fed rate hike cycles! As asset classes move in different directions and magnitude in a rising interest rate environment, the profits earned on the investments that perform well could help to cushion potential losses incurred on those that underperform.

https://www.fundsupermart.com.my/main/resea...27-Nov-15--6556

Affin hwang did said....invest with the EXPECTAION of rate hike this year and next.....amid slowly....

My indicators told me to top up KGF in early July'16, Ponzi 1.0 at early Feb'16 and Titan in late Feb'16

Any indicators for coming near future?

I would like to recommend that one should never, ever rely on a single criteria.

What else one should look at, it depends. But definitely never "only rely" on one criteria.

That's why I like to hear from sifus' experience to improve judgement on evaluating funds

KimYee™ indicators

Hmmm... better topping up GTF, TA Europe and Libra anista then. Diversify, diversify

Give lar some canggih name: KimYee High Frequency Trading Algorithm (KimyEE High Frequency Trading Algorithm: KEHFTA™ system)

Unfortunately I tracks only about 40 funds and the signal only come after falling fund/market. Right now market is going up, so no new signals for quite some time except for those small cap funds. Signal only appears 1-2 times a year, sometime none. And it is not crystal ball. In fact I usually add funds suggested by Xuzen into my list

Wei.. it is ultra low freq la

Boss

I also add funda according to Sifu Xuzen. Thank god we have him ard. Without him, I m still dilemma what to buy. TQ to him and his crystal ball.

Now I can wait for his indicators again.

This post has been edited by prince_mk: Sep 26 2016, 09:57 PM

Mine like this la
1st pocket - Flexi home loan, EPF
2nd pocket - UT
3rd pocket - US stocks and options