QUOTE(xuzen @ Dec 6 2016, 10:58 AM)
I) On a separate note, perhaps some of the older or more veteran UTF participant may or may not have noticed; that is, in the earlier 2016, we were all talking about equities UTF such as CIMB APDIF (Ponzi 2.0) and also CIMB Titan Fund (Titanic).
II) Then in 2H-2016, we went down to lower volatility UTF such as RHB AIF
III) Now, towards the end of 2016, most of us are chattering about fixed income UTF.
This shows that perhaps, our risk tolerance are dropping. Our perception is that market is more risky at the end of 2016 compared to beginning of 2016?
Good observation. I think 2016 been a challenging year and those who gone thru it realise their risk appetite and is reflecting that in their asset allocation. We still have some who are on 100% EQ and believe they can stomach the risk. If that decision is made conciously I guess it's fine
QUOTE(David3700 @ Dec 6 2016, 11:13 AM)
Nobody want to consider AHSIF ?
Heard from agent that it is very popular by corporates.
It's equity exposed, and this year's performance is dragged down by the lacklustre MY stock market. Personally I prefer to combo ponzi 1.0 and select bond
QUOTE(xuzen @ Dec 6 2016, 11:20 AM)
Friend,
consider this thus: AHAM SBF versus AHAM SIF, in terms of risk to reward ratio, AHAM SBF wins by a massive margin.
Consider this again: AHAM SBF = bond = lower sales charge = lower commission.
Consider this perhaps: AHAM SIF = balanced fund = higher sales charge = better commission.
Perhaps you may come to some illuminating deduction?
Xuzen
Interesting Select Income is classified as fixed income and therefore 0% sales charge and 0.2% platform fee per annum. But personally I still prefer select bond for its superior risk reward ratio