RHB Emerging Markets Bond Fund 15%
In 2016, we go Neutral on Equities vis-à-vis Bonds. By considerate risk and return in a well-diversified portfolio, we need bond to balance your portfolio risk. Therefore I recommend this higher yield bond to increase your return in fixed income part.

As current time many countries central banks are having easing monetary policy to fight the lower inflation environment and to boost equity sentiment, this cause lower interest rate become a norm in these countries. Generally Asian bond has higher spread compared to Developed country bond and Asian bond price appreciate in easing monetary environment. However we need to be cautious of the any major changes of the monetary policies globally.

CIMB-Principal Asia Pacific Dynamic Income Fund 35%
Asia / Emerging markets currently trading at cheaper valuation. If you are value investor, you should include this area in your portfolio and just neglect the noise in short term volatility to get profit in this region’s long term structural growth. We should not ignore the trend of rising importance of Asia / emerging markets in the global economy looks.

AmAsia Pacific REITs - Class B (MYR) 15%
REITs can be an alternative choice for investment as it provide more steady income stream into the fund and lower volatility as compared to equity market.

Kenanga Growth Fund 20%
Kenanga growth fund has been our best performance fund return for 10 years annualised return, and being the best fund that consistently beat EPF returns over the five years, this shown the consistency and resiliency of the fund over the few market cycles.

Manulife Investment - India Equity Fund 5%
The BJP party under the leadership of Narendra Modi has strengthened its mandate and enhanced its ability to execute on key policies by secured a majority central government for first time in 30 years. The government has already accelerated the pace of reformation and we expect more to come which will boost the India economy as a whole. India could be a good market to go in for its restructured story for long term investment (3 - 5 years). The upgrading rating of S&P to India market outlook from negative to stable is an affirmation of the economy's growth prospects, macro stability and lower vulnerability of external balances.

*Single country fund exposed to higher risk


TA Global Technology Fund 10%
This fund will benefit from IT sector as technology growth is dominating for new era. However, please aware that this is a single sector fund, which is exposed to very high risk due the fund to can investing in technology related stocks only around the world. The fund performance might be very volatile across the period of investing. It is advisable to have lower allocation (not more than 10%) of total portfolio and advocate for longer term invest period.

*Single sector fund exposed to higher risk