while I agree with you that its more on minimising risk... its really something you should at least check once. read the market wizards book.. many legendary traders have expressed that they wish they had learnt how to manage risk.. while its true that trading and investing in UTs dont overlap much, its really to protect you from the downside you could have otherwise avoided. dont dismiss it altogether. i dont really bother myself too much with it though, just run a simple correlation then get done with it.

thanks, i know many looking at my portfolio will think i am crazy taking risk like that.
but rest assured, that is my 3rd pocket if u remember vanguard.

Hi, newbie here...been 'studying' UT for quite some time and just got my FSM account activated today!

Plan to invest RM15k as initial amount and do dca with small regular amounts. Understand the importance of diversity portfolio to minimize risk, I will opt for RHB Smart Balanced, allocate 30%. For remaining 70%, I'm currently looking at these 3 FSM recommended funds, appreciate if Sifu Sifu here could suggest which 1 (or 2?) to invest in :

CIMB-Principal Asia Pacific Dynamic Income
Eastspring Investments Small-Cap
Kenanga Growth

I consider myself as a moderate risk taker, invest on long term basis (min 2 yrs).

Please advise if my portfolio tak cantik / any adjustment needed . Thanks all in advance for helping me

This post has been edited by Yipiyaya: Sep 29 2016, 11:27 PM

i'm not sure about your financial portfolio and you don't need to disclose but to me lump sum 15k in one go is quite a big sum of money. say if in the next 2 months the market drop and maybe you lose 20% of it, are you ok with it? of course the opposite can happen, maybe market goes well and go up 20%, but just as a reminder.

my question is, why not just DCA in the first place? anyway, maybe 15k is peanut to you, so just points for you to ponder.

Also, personally, i don't quite like balanced fund. reason being as explained by pinky before. you can create your own balanced fund by buying a percentage of equity fund and a percentage of bond fund.

as for the 3 funds you mention, i like them, just remember that 2 of them are wholly malaysia funds, so... depends on how bullish you are on malaysian funds.

PS: i do have KGF but not EI small cap, but i do like it.

I'm in the midst of choosing in between two new funds into my portfolio one is RHB Asian Income Fund and the other is AmAsia Pacific REITS Class B.

- RHB Asian Income Fund is at all time high now 0.6529, is it worth to invest now?
- From a history data, AmAsia Pacific REITS returns are damn good > 20% average.

Any opinions?

That is also another indicator that I use

On the EQ portion

Don't Let The High Fund Price Deter You
It is a common misconception for investors to believe that a lower fund price makes a fund more "attractive" while a higher fund price means the fund is “expensive”. In fact, whether a fund is expensive depends strictly on the valuation of its underlying assets. The fund price bears little significance.

https://www.fundsupermart.com.my/main/resea...-Apr-2012--2288


In view of that, investors could be better off by investing into more attractive markets with appealing valuations

Does Valuation Matters?
Should investors care that the market is expensive? In this article, we take a closer look into the history and find out how valuations affect returns.
https://www.fundsupermart.com.my/main/resea...22-Aug-16--7410

on the FI portion....
Asian Bonds: Gone are the glory days? [23 Sep 2016]
https://www.fundsupermart.com.my/main/resea...-Sep-2016--7515


This post has been edited by T231H: Sep 30 2016, 07:03 AM

but it's never the case in real life when we have seen NAV drops when a certain region or industry undergoes a catastrophic event and due to your previous diligence in diversifying your portfolio the ones in green will negate the negative returns?

having funds that correlate would undoubtedly not maximize the potential of returns in a brink of a such even wouldn't it?


BTW thanks for being so civil in this discussion. we need more of this and less drama. plus I learn more each day and forgive me for my lack of eloquent language in investment if you find it so.

cc guy3288

you are asking us if you should buy an orange or an apple. those two funds are totally different from each other, one deals with real estate including Japan and one is a balanced fund excluding Japan.

so naturally I would suggest you buy both and I would suggest you change your mindset on avoiding buying high fund prices and looking into the historical data of a fund.

you should be focusing on diversifying your portfolio based on their country they are investing and the industries/investments they are in.

http://www.bloomberg.com/news/articles/201...mps-in-pakistan

India fund , expect ~ 3% drop yest NAV..
Perhaps chance to top up abit...

This post has been edited by kl_123: Sep 30 2016, 09:57 AM

Ooi ooi Monsieur Howszat,

Pardon moi sil vouz plait. How shoold I sez yit, perhaps, in lieu of smart or dumb, the moore diplome wurd four yit shoold be rationale, informed, calculated, no? I shall amend my earlier post accordingly. Adieu mon amie.

Thanks for the comments, I got your point . These are my hard earned money leh, must be used carefully. I've taken 1 bond fund to replace balance fund & re-allocated the % :

AmDynamic Bond - 25%
CIMB-Principal Asia Pacific Dynamic Income-MYR - 35%
Eastspring Investments Small-Cap - 20%
Kenanga Growth - 20%

Is this ok?
And as a beginner, is it wise to hold 4 funds, or should I just focus on 3 funds?

Get a global fund too. Consider CIMB Global Titans or Eastspring Investments Global Leaders MY Fund. They will cushion your portfolio when Asian markets fall. Don't forget, the biggest names are all in the Developed Markets, and these MNCs sell to all over the world including Asia.

My money is coming in late, at most of 1 week difference. Should I use my overdraft for maximum of 1 week ? Is 1 week interest on overdraft comparable with (2-0.57)% saving ?

This post has been edited by puchongite: Sep 30 2016, 10:54 AM

maximizing return? Minimizing risk? oft said buzz word amongst all investors; be they naïve (noobie) or seasoned (veteran).

However, this is a situation not tenable as they are polar opposite of each other. That is why smart rationale / logical / calculative investors need to take the middle path.

Consider this: To maximize your return, try e.g. RHB Gold & General Fund perhaps? One year return is 71.16% ROI. If one is a rationale / logical thinker, would one wants to expose to this kind of risk? Its volatility swing is + / - 40%.

I recalled reading somewhere, sorry, I have forgotten the source, an investment guru once said this, "Take care of the downside risk well, the upside potential will take care of itself". This person is trying to say it is more important to mitigate the risk rather than the return.

Xuzen

This question, only God can give u a definite answer. Seriously, I'm not trolling u.

I don't know. Personally, I don't think using something which incur interest is a good thing. Perhaps borrow from friend/family first then pay them back later with makan + full cash? Don't tell them for what but said is an emergency? That could work if you borrow like say RM1k like that.

This is not getting from Along leh ! This is getting from the bank overdraft.

And absolutely risk free. The money is coming in for sure, it's just late ( could be just a couple of days, max of 1 week. )

Surely it can be calculated, right ?

err why u removed RHB balanced fund? its a good fund leh

i suggest allocated 10% in global fund, reduce bond allocation. go for aggressive portfolio when you're young

my point of view is, if your portfolio has substantial allocation focused in Asia then can go for REITs.