I get what you mean but why invest when the returns are minimal. why not put your attention elsewhere. also there's always Malaysian fixed income funds who's returns are almost in par with the expected returns of equities.

it would make sense to DCA Anita rather than kapchai in a one year window since both of them may give you a 6% to 8% return. when the Malaysian market recovers then shift some of the funds from fixed income back into equity.

anyways just topped up the following funds.

AmAsia REITs myr 200
TA Global myr 200
Rhb Income myr 500

You know when the low hype session end for Malaysia market and divert funds into it, I would say thats quite opportunistic

However, I prefer to stay consistent with the intended percentage allocation of the fund within my portfolio

agree with your second statement. I'm not asking for no exposure in Malaysia but reduce its exposure in its equities and batten down the hatches and wait for the storm to pass by investing in fixed income funds while diverting investments to Asia ex Japan and China.

speaking of China. it looks like the dragon has awoken.

Practice it is harder than it sounds in theory, because I will not know when the market will end its bearish and pump additional allocation to it, and when the market will end its bullish and reduce allocation accordingly, that will be somehow like playing stock/forex albeit to a lesser degree of monitoring

I do not have enough willpower to play like this

Therefore I will pick the appropriate funds, stick to predetermined allocation, so that market up and down let each fund compliment each other in the portfolio and let the portfolio as a whole grow eventually

Hopefully my cimb CII will go up up up

btw who was it who dumped money into kidsaver. was it pisces88 it's still under performing. looks like it never recovered.

This post has been edited by Avangelice: Nov 2 2016, 01:16 PM

My current holding is still small (<25k), no point to run or top up now.
Can only start topping up again after election when the market stabilise.

WOW....25K.....
mine will have to take a few more years to reach that level....

speaking if which. my fix deposit of 30k is maturing next week. I'm planning to put into fixed income fund.

between Anita and rhb bond fund. which one would you suggest I put 20k into? remaining 10k will be placed into fd that matures every quarterly.

thanks in advance

If you can hold >1 year why bother going with lower returns. Only use lower returns if you cannot hold.

Well that's just me.

This post has been edited by Ramjade: Nov 2 2016, 01:53 PM

I would go for Libra Anista.
10 yrs annualised returns is BETTER than RHB Bond and at 70% less (3 yrs annualized volatility %)
RHB got holding period....

yes these funds are for long term but I cannot risk them into anything else than a fixed income or a fixed deposit.

Thank you I'll take your feed back into consideration

used the fsm fund selection tool and between

Anita.
Rhb Islamic
Rhb bond

Rhb Islamic topped all three funds across the board.

if so why is Anita mostly recommended by the vets here?

This post has been edited by Avangelice: Nov 2 2016, 02:46 PM

For me, I treat Asnita as my short term FD

May need some of the money within a year

Meaning I don't want to be bonded by time, so redemption fee when redeem a year is a concern

Plus, treat as FD indirectly implies that lower volatility will be favored

EDIT: If you can put long term (at least a year), RHB Bond/Islamic Bond Fund, otherwise Asnita

This post has been edited by AIYH: Nov 2 2016, 02:49 PM

I'll never touch these funds when I have other pockets to dig into.

here's my plan than. use Anita to lock down proceeds from my equities.

send 25k into rhb islamic for more than one year or even two or three.

remaining 5k place into Anita.

I think this suits my needs.

i suppose ...for it's much low about 70~80% lower annualised volatility and no lock in period....

Hi guys,

sorry noobie here, was just wondering if the rhb cash management 2 is capital guaranteed? I was looking through their FAQ and this is what i get:-
"The money invested into the Cash Management Fund is deposited with several banks’ deposits issued by financial institutions in Malaysia."
While I'm aware that anything that involves investment normally is not capital guaranteed but in this case, any exceptions?

Thanks in advance!

No.

Lower volatility = lower risk = more predictable return = less deviation from mean return.

Xuzen

but has rhb islamic bond fund ever failed in hitting predicted returns? that's the question.