Fyi, I did not report anyrhing and most of what I post here get reported anyway. Being kedekut is the way to go sifus.

Let you have lots of extra cash when your peers habis duit at the end of the month.

Especially when you cannot print money or have unlimited amount of money.

I'm one of the minority of malaysians who dislikes as rate cuts bring me no benefit, YET.

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Hello...Take a look at my current allocations (ignore the cash management fund I suppose)

Am I already too diversified? I'm 34, have about RM800 / month to invest and have a goal of 8% average by the time I retire.

Should I look at China / India / Emerging markets as another avenue?

I worried spread too thin based on my monthly capabilities.

Below is my portfolio, composition, return and duration :

1. Kenanga Asia Pacific Total Return Fund : 5% : 2.6% : 6 mths
2. CIMB Principal Asia Pacific Dynamic Income Fund : 5% : 2.6% : 12 mths
3. Affin Hwang Select Income Fund : 10% : 2.2% : 6 mths
4. Affin Hwang Select Asia (Ex Japan) Quantum Fund : 5% : 12.0% : 12 mths
5. Kenanga Growth Fund : 25% : (1.4%) : 12 mths
6. East Spring Investment MY Focus Fund : 5% : (3.9%) : 12 mths
7. CIMB Principal Global Titan Fund : 5% : (3.0%) : 12 mths
8. TA European Equity Fund : 30% : (0.7%) : 6 mths
9. East Spring Growth Fund : 10% : (5.7%) : 8 mths

My expected return is must be better than term deposit of 4%.
But most seems below expectation.
Sifu, any advise ?

() denotes negative

I also prefer RHB Asian Income.... Not to say Hwang no good, but my darling for Hwang is ponzi 1.0 and select bond
Select bond is much better than RHB ATR
How? share please....
That explains why I like select bond better 

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..

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 ?

.... your IRR and ROI also don't correspond.

Wat I meant was:
H = Head of xxxxx
C = Chief xxxxx Officer

dasecret Traitor, this is a FSM, a UTF DIY site, how could you let a UTC to hand hold and mollycoddle you? This is treason! 

Your punishment is buy PM funds for the next six months paying full Sales Charge!

Xuzen

No big shot la...
Just a small fly cari makan here n there

Hi Sifus,

What do you think of my new reshuffled portfolio? I have am going to restructure my current one with this new portfolio after receiving many good advise here:-

EQ 75% / FI 25%

Bond = 25%:-
17% Libra ASnita Bond
8% Eastspring Investment Bond Fund

EQ (Malaysia) = 30%:-
15% Eastspring Investments Small-Cap Fund
15% Kenanga Growth Fund

EQ (Asia ex-Japan) = 20%:-
8% CIMB-Principal Asia Pacific Dynamic Income Fund
12% RHB Asian Income Fund

EQ (Global) = 17%:-
17% CIMB-Principal Global Titans Fund

EQ (Single Country: India) = 8%:-
8% Manulife India Equity Fund
According to FSM Portfolio Simulator tool for a 3 years view, there's a possibility of 14.28 Annualised Return with 5.68 Annualised Volatility.   I have pushed higher weightage on my India and also Global fund from my initial lower weightage approach.

I am aiming for a 7 years horizon for this portfolio. My risk profile is moderately aggressive.

You cannot choose your fund manager

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?

Also be careful of the annual expense ratio as when the market goes sideways or downwards that will start to eat into your return over time.

Be la value adding a bit la... tipu post count ni

I really don't see how ATR can be called a Bond Fund at all. Its volitlity is worst than many other EQ with higher risk rating.

also sharing an article

Try to Turn Down the Noise

https://www.fundsupermart.com.my/main/resea...-the-Noise-5234

Timely reminder there. So assuming I didn't quite missed the boat and currently has 16% IRR for this fund. What's your recommendation, hold or sell? USD n SGD inching higher 
Selling a reasonably healthy fund seems to be counter intuitive to me

This kind of wishy washy answer.... 

mind to share why?

Go and consult a UTC..... oh wait....

or

wait for the crystal balls to reveal its hidden treasure.

Xuzen