The one which overlaps with KGF is just TNB. KGF only holding 3.35%. The rest all different. So I don't think it overlap much. Also IF EPF and KGF are holding the same stocks, how come EPF is not able to generate the same performance as KGF?

This post has been edited by Ramjade: Oct 28 2016, 11:50 PM

with that in mind AiYH can start cross checking his prs with epf.

may I suggest that you don't pay too much attention in where EPF or KGF invested the monies....
The holding information is NOT up to date.....and also the holdings may change at any time the FM seems fit (or being told by BIGGER boss)

Precisely. But of course if one have too much in malaysia, it would be unwise to invest more in malaysia.

like many FMs had said,...Malaysia mkts is defensive and quite stable...due to LOCAL institutional supports.
I myself consider EPF as part of my FI funds...(low risks & with expected app ROIs of 6+-1)

I have to put this out here...

Actually I disagree with not investing in Malaysia just because EPF has already invested in it..

Actually EPF as savvy investors, have already done diversification on their part themselves. They invest in truckloads of different asset classes locally AND overseas to get their diversification right. They have a dedicated team just to model the asset allocation strategy.

So, to my mind, when you invest your own money, you can treat your EPF investment as "non-existent", that is you still can invest in Malaysia if you think that would give your UT portfolio optimal risk-return characteristics without paying any mind to what EPF is doing.

My 2 cents.

Disclaimer: I'm not EPF employee.

This post has been edited by _azam13: Oct 29 2016, 12:15 AM

holistically.. er.. shouldn't one take into account of one's TOTAL assets (real la, not doodads)?
coz
even EPF can be channeled to foreign focused mutual funds again now + hopefully self-directed stock purchases inn future again too

if one' cash in bank/flexi already in MYR + EPF also bulk MYR assets, shouldn't one at least look @ developed markets? at the very least?
OR
sailang all Malaysia's the best/boleh coz EPF is 100% trustworthy forever and ever & having everything tied to MY boleh?

dunno - maybe i'm just a worry wart
0.1 cent's thought

This post has been edited by wongmunkeong: Oct 29 2016, 12:34 AM

Sure, total assets, but since that part of the asset is already diversified enough for me, so I dont worry about it. I should worry about the part I'm managing myself. Im not sure if this makes sense to anyone, but hopefully it does? Haha.

But it also makes sense if your other pockets are heavy in MYR assets. Then for sure I would encourage more overseas UTF

"sailang all Malaysia's the best/boleh coz EPF is 100% trustworthy forever and ever & having everything tied to MY boleh?"

I actually dont understand the above.

You two are talking about two different things.

You are talking about the statement ( don't know who said it ) that "don't invest in Malaysia as Epf already investing in it"

Vs

"Lets go all out invest in Malaysia as EPF is 100% trustworthy".

Actually I tend to think that EPF invest in Malaysia one of the reason is because it has stabilizing effect on Malaysian stock market. Investing in foreign funds is like tell people you have higher faith in foreign funds than the local ones. And an institution as EPF must take that into consideration.

me actually. I have another pocket investing in Malaysia why would I go make another big pocket investing the same as the other. it is counterintuitive when the Malaysian economy slumps everything will be affected.

take away message keep 20% to 30% of your portfolio into Malaysian bonds and equities. the rest diversity into over seas UTFs.

my two cents

I think 30% is too high. Maybe 10-20% is the right target?

er.. he & i are talking about similar stuff, different side of the coin.

as for the EPF trusworthy thinggy - read entire sentence pls. there is a "and...", thus take into context

"sailang" = "everything in"
just flipping the other side of the coin of trusting 1 country's gov + sovereign fund + companies there 100%
VS
the 3 or more countries & 8 or more sub-assets (ie. chicken kaka method )

Hi everyone, i've just activated my FSM account. My plan was to do it by this year to get the Rm500 incentive but i read in the PRS thread that it will be Rm1k next year.

Is it wiser to just wait till next year?

I got an email from FSM saying that the first 30 days i will be entitled to 1% sales charge.If the Rm1k incentive next year is true, it's better to hold on right?

The 1% is not for PRS. Is for normal funds. You can invest in normal fund first while waiting for next year to get the rm1k. Keep in mind that rm1k can only be withdraw out when you are 55 years old.

How would i know which is meant for PRS or normal fund in FSM? Still very new to this

About the Rm1k, it has to be for first investment of RM1k minimum to be entitled right? Second investment does not count. Do correct me if i'm wrong.

You will have to select PRS from dropdown menu under fund selection.

Don't know about PRS as I haven't take a look yet. Will take a look next year. If you are working, recommended you put max rm3k inside there for tax relief.

Even for the same stocks, EPF and KGF are likely to buy at different prices.

Hi guys,

I've started by putting in a small lump sum into RHB AIF already, around 30% of my total amount that is available for investing.

From the Fund Fact Sheet, it seems that AIF and Ponzi 2.0 are focused on the same geographical sectors, but are focused on different equities. Would like to ask whether it is wise to put anymore into Ponzi 2?

Also thinking of putting into TA GT as well, should have done so yesterday when the price was lower.. Really missed the train.

Your choice. You want exposure to malaysia some more or not. I don't want. That's why I choose Ponzi 2 over Ponzi 1.

Don't worry. TA Global Tech is still considered cheap.