Really 2% SC? But dasecret told me it's 1% SC if do RSP.

For bond investment, investors can consider to trim down bond funds with foreign currency exposures and park it under local bond funds.

While the Malaysian equity market is only expected to provide a modest rate of return, investors should not shy away completely from the Malaysian equity market given its important role in portfolio diversification (from the perspective of a Malaysian investor). As such, we advise investors to consider an allocation of 15% to 20% in Malaysian equities within one’s equity portfolio.

since small cap segment is more volatile in nature, investors who favour this segment should only include it into their supplementary portfolios, confining their allocation in these segments to no more than 10% weightage of their entire portfolios.

Didn't you see my other post which says the mobile app is nothing but buggy ? 
Another way of recovering from it if you rooted your phone :-

1. 'Force closed' FSM mobile app.

2. Delete these two files :-
      /data/data/com.ifast.fsm/app_webview/Cookies
      /data/data/com.ifast.fsm/app_webview/Cookies-journal

Doing this is able to keep the data you entered previously intact.

Hm, how do I delete apps data?
How do I force close?
Really paiseh

No one seem to have talked about this yet

https://www.fundsupermart.com.my/main/resea...Optimistic-7818
I think what is said is quite different from the trends in this thread, so something for you guys to consider

No one seem to have talked about this yet

https://www.fundsupermart.com.my/main/resea...Optimistic-7818
I think what is said is quite different from the trends in this thread, so something for you guys to consider

yes right. so why not just shift foreign bond funds back into Malaysian bond funds until Malaysian bond recovers. it is a waste to park your investment in a bond fund that isn't giving any returns now when foreign Bond funds are doing better at the same time

Quite the opposite of most people's thinking, ie quite counter intuitive.

Most people would have thought it is better to park fund under non-Ringgit bonds.

Quite unfortunately the article did not explain why such a counter intuitive method works in minimizing the risk. Maybe the assumption is ringgit is already at its worst.

Foreign investors are fleeing the country’s stock and bond markets 


Malaysia has been one of Asia’s worst-hit economies amid the continued climb of US interest rates and the dollar.
Foreign investors sold $5.3 billion of Malaysian stocks and bonds in November, the largest monthly outflow since September 2011, according to ANZ Bank. That is almost a quarter of the $22.1 billion pulled from emerging markets in the region, excluding China.

The bulk of the selling was in Malaysia’s bond market. The $4.5 billion of bonds sold by foreigners in November, in ringgit terms, marks the biggest monthly debt outflow on record, according to ANZ.
The ringgit was one of Asia’s worst-performing currencies in the aftermath of the US election, and Malaysia’s central bank has been tapping the country’s already low level of reserves to support it. Last month, Bank Negara clamped down on offshore currency speculators, a worrying echo of its maneuvers to stem capital outflows during the Asian financial crisis of the late 1990s.

Despite the government’s various attempts to support the currency, the ringgit has lost 6.5 percent of its value against the greenback since the US election, hitting a nearly 19-year low on November 30. On Thursday, the currency weakened 0.9 percent, following the Federal Reserve’s announcement of its first rate increase in 2016.
Malaysia’s Achilles’ heel is the high level of foreign ownership of its government bonds. Foreign money is flighty, a factor that can accelerate a liquidity crunch during times of stress. While the latest rash of selling cut the proportion of foreign ownership to 48 percent in November from 52 percent a month earlier, the percentage is still very high for an emerging market.

No one seem to have talked about this yet

https://www.fundsupermart.com.my/main/resea...Optimistic-7818
I think what is said is quite different from the trends in this thread, so something for you guys to consider

And yet FSM still maintain a three stars on Malaysia... 

Xuzen

I personally know a few platinum status people in FSM/UT through agents, not in this forum, because they believe that UT is too slow for small amount of money, therefore need to play by volume. Every small % movement is a huge amount which you can skim it off when you feel right. Could go both ways of course.

No one seem to have talked about this yet

https://www.fundsupermart.com.my/main/resea...Optimistic-7818
I think what is said is quite different from the trends in this thread, so something for you guys to consider

And yet FSM still maintain a three stars on Malaysia... 

Xuzen

local support local ma..that's how the idea works. markets are run by sentiments. keep telling ppl stay away from your local market, how can?

never thought of it that way before 
refreshing point of view
thanks for the link.
wonder how many author-researcher in ifast? a quick poll among them would be nice to see if they are collectively bearish or bullish on malaysia
maybe they are collectively neutral? or they haven't updated the rating yet

nice one. FSM advisors have been trying to be on the fence when it comes to Malaysia. that's very odd. why keep suggesting to prop malaysia up by calling a hold and buy (at the current moment) instead of saying "come back and fight another day guys. Malaysia is bloodied and sore but it will prevail."

so instead they go" Malaysia MAY give returns IF everything goes right. it COULD go south but it SHOULD be recovering in the near future IF political environments improve"

read the article again and compare it when they wrote the article on Asia ex Japan. you can feel the tone implied

it's strange when they are calling for people to be optimistic about Malaysian ringgit when it is well known to all BNM is burning its foreign investments to float the Ringgit at its current position. I for one believe in the chaos theory that one event will be a harbinger of another event. we cannot expect nothing to happen during this burning of our foreign investments without any reprieve. 

we will pay for this in a long run. we as in as a whole entity of Malaysia. hence why I am placing investments away until it recovers and parking a part of my money in those companies tying in with the Iskandar project, pan borneo and TNB

OT

isn't chaos theory also says that longer range prediction is impossible?

let me quote a dead man:
"As far as the laws of mathematics refer to reality, they are not certain, and as far as they are certain, they do not refer to reality”

If you have the holding power, when it goes so low it is a good time to buy in, isn't it? Market cycle long term sure growth.
Afterall the reds you see now is paper loss until you sold your holdings.

3 stars in FSM ratings actually means attractive

So I don't think it was their intention all along to ask people to avoid MY equities, but they also clearly do not encourage people to go 100% into EI SC like some pru agents I got to know