My portfolio for fsm is 70% foreign.

But objectively speaking (aside from last 2 years), malaysia funds like Eastspring Small Cap and Kenanga Growth is still pretty good given the risk to return ratio over the last 5 and 10 years.
2 years return as comparison to other foreign funds are not so great but too short of timeframe. i'm not patriotic but i think pinkspider here once mentione last time global funds really lousy returns.

a reminder or a new to apply mantra.....
"Match your unit trust investing with your risk appetite"
http://www.thestar.com.my/business/busines...-risk-appetite/

OMG OMG OMG!

All the listed UTF in FSM universe ROI is > 0 % annualised for the past ten years. You are right wodenus, you are sure to make money after ten years investing.

On the other hand, average performance of all those with 10 years track record is 6.3% p.a.

UTF cheat people money?     

Xuzen

there is ONE that lose money....after 10 yrs   (yes you are right...almost ZERO number) 

those that can see it will say...what the heck....the IRR is less than FD.....for so many funds after 10 yrs.

so this one would be talking about partly under "Management Risk" ??
Performance of the fund depends on the experience, expertise, knowledge and investment techniques of the fund manager. Poor management of a fund can cause considerable losses to the fund, which in turn may affect the capital invested.
https://www.fimm.com.my/investor/abc-of-uni...ng-unit-trusts/

for those that wanted to be calculative in to it....
Quantitative Measures of Investment Risk
https://www.fundsupermart.com.my/main/resea...-Oct-2011--1723

Measuring The Risks In Unit Trust Investing
http://www.sharesinv.com/articles/2012/08/...rust-investing/

BENGALURU (Dec 12): Southeast Asian stock markets closed lower on Monday, with the Philippines posting its sharpest fall in nearly three weeks, as investors dumped risky assets on expectations that the U.S. Federal Reserve would raise interest rates later this week.

"There is a lot of foreign selling pressure right now, in anticipation of a rate hike in the United States. This could even push the Philippine peso beyond the 50 (per dollar) level," said Manny Cruz, an analyst with Manila-based Asiasec Equities Inc. 

The peso touched a two-week low of 49.870 against the dollar, before paring its losses, helped by greenback selling from domestic players.

"I think it is risk-off ahead of Tuesday's Fed meeting," said Victor Felix, an analyst with AB Capital Securities in Manila.

Explains why it was bleeding today.

could low risk means no matter how volatile it is, the 3 yrs volatily % is way no where close to some Eq funds.....unless the bond funds has currency risk/exposure mandate

I would suggest this 10myr bet to be placed based on inflation rates and interests (compounding)  yearly

so this one would be talking about partly under "Management Risk" ??

Only European fund open to us is TA Europe. you have that in your arsenal bro?

The concept of risk is very different from a lay-person point of view versus an academics'.

A lay-person p.o.v. risk can mean anything from losing capital, to not earning enough compared to FD to tens of other reasons. All this mean something to them , but if you ask them to quantify it, they will give you a blank stare.

From an academics' p.o.v. risk is mutually agreed to be a deviation from the expected return also known as variance. Hence standard - deviation is the measurement or quantification of the degree of risk.

NB: Std-dev is the standardization of deviation just like how we use to have inches and feet to measure length, but the metric system is the accepted global standard to measure length.

When you can quantify something, then we can start managing that something. Hence, with the ability of quantifying "risk", risk management comes into play.

Xuzen

Yeap. planning to switch Anita to Esther bond as soon as I get my loses back after the bond blood bath. this incident reminded me how fickle our economy is.

Hi guys. I am new here. Previously been invest about 20k in UT with the 5% sc and now get to know this great tool.

I was just curious what are the disadvantage of the FSM with lower sc as I know there are no free lunch in this world.

Is it they have limited available UT to buy or something?

The consultant doesn't do shit except for printing the name on the statement.

What's the difference between Ponzi 1.0 and 2.0 in terms of portfolio again?

Anyone still doing top up (not DCA) on Ponzi 1.0? I realised I haven't touch it since 2014. LOL!

Nomura underweights Malaysia

KUALA LUMPUR: In less than four months, Malaysia’s equity market has been downgraded twice by Nomura as the global investment bank expects the country’s worsening growth outlook to continue in 2017.

“We downgraded the market to neutral in September and now [the] further downgrade to underweight reflects a worsening of its growth outlook,” Nomura vice president of equity strategy for Asean and Asia ex-Japan Shubhankar (Mixo) Das said in a media briefing on Nomura Securities’ equities and economic outlook 2017 on Monday.

Mixo shared the same view with Nomura economist Euben Paracuelles that many of the country’s supporters of growth are starting to fail, which translates into a weaker earnings profile for the equity market. The Edge Financial Daily reported yesterday that Paracuelles cut Malaysia’s gross domestic product growth forecast for next year to 3.7% from 3.9%. Similarly, he expected the country’s 2018 improvement to be limited, and thus projected a growth of 3.7% as compared with the previous 4.2%.

http://www.klsescreener.com/v2/news/view/166933

Sell them almost monthly. For sustaining I'm following some concept from the book The Art of Investing and Portfolio Management, using 3-tiered portfolio strategy. Tier 1 is for short term consisting of bond & cash that can provide 2 years of cash flow need. Mine are FI UT, cash etc.  Tier 2 is for mid term, 2 to 10 years need consisting a balanced of stock & bond. Mine are EPF, UT, stocks & ETF. Tier 3 is long term growth, mainly growth stocks. I'm using resources UT & stocks, stock options & forex for this.

Key word is growth, which is higher risk, adding $$$ to your account quickly. You can sell option premium and get $1k monthly depending on your capital. Forex can get about 10-20% monthly. Since they are high risk, you don't allocate big portion of your wealth to them, 5-10% will do, and they are your engine of growth in your retirement years. Of course they are not the only tools, there are UT & stocks as well.

some articles mention China as all doom and gloom and India too.

take everything with a pinch of salt

sorry how much did yellen raise the rates? i keeping seeing 2 percent. surely not that much?

Just gotta ask, what is money market? What are the products in Malaysia under this category?