If you can hold, I will suggest either rhb bond over libra asnita.

That's youth incentive for those who haven't register for PRS yet. But that RM1k can only be withdrawn at 55 years old

30 years old. Not sure whether current PRS holder can get additional RM500 (the old one only RM500) or is open to first timer only. Anyway even if cannot get, can still get income tax relief until 2021 (max RM3k/year)

This post has been edited by Ramjade: Oct 23 2016, 07:18 AM

Since KGF and Eastspring both invest in smallcap, can look at ASEAN smallcap.
Either Affin Hwang Quantum/CIMB-Principal ASEAN Total Return Fund (based on returns)

If you don't want Malaysia heavy, can look at Affin Hwang ASEAN Flexi Fund (only 7%)

From everybody favourite fund manager: (kind of old but still practical)
https://www.kenangainvestors.com.my/KIB/KIB...e_Interview.pdf

Keep in mind she said she is negative about local economy and positive on thailand and indonesia.

The edge said otherwise
http://www.theedgemarkets.com/my/article/i...alaysian-stocks

This post has been edited by Ramjade: Oct 23 2016, 02:47 PM

If you have't have a PRS account, wait until January as you will get RM1k instead of RM500.

If you don't have PRS, start next year. If you start this year, you will only get rm500. If you start next year, you get rm1k. Might as well Better make sure reach rm3k so can get max tax relief = less income tax.

This post has been edited by Ramjade: Oct 24 2016, 01:41 PM

I wish affin quantun would move more market share out of malaysia so that we can have more access to SEA small and mid cap.

Excellent. But will wait. The extra saving of 1.5% not worth it for me yet.

Hold and look for opportunity to topup when chances present themselves like now still topping up KGF and eastspring (haven't topup yet but already allocated some funds for that purpose)

No promo but I have allocated some money for them (eGIA-i).
Best topup is RHB AIF (some may not agree, some may - up to individual to decide) But since I don't have that, will topup other funds.

When don't drop much, just topup minimum/hold.
When drop drastically, bomb one shot. Regardless who win US election, something will drop . Promo is still valid until 10/11. Still got time.

This post has been edited by Ramjade: Oct 26 2016, 11:22 AM

Now? Do nothing. If want to make use of the promo, topup some.
For me, I topup la. You will be holding for min 3 years. Running away only if the fund is not performing or you have no confidence in the market.
I already have my startegy for US election = hold, wait and while waiting topup some AP - not much (make use of promo + slight dip from now until election)

Either one win, something will drop. Question is how much.

Note: Don't follow me. My way is sesat way. I am still experimenting.

This post has been edited by Ramjade: Oct 26 2016, 11:49 AM

Something about HK and Singapore property market negative news for the past 1 month +?

This post has been edited by Ramjade: Oct 26 2016, 12:02 PM

She still got chance to cancel the plan. Second, you should not invest for your GF. Say you invest rm10k for her, then she break up, you lose rm10k just like that.

2 bad days for asia pacific market. Which is

This post has been edited by Ramjade: Oct 27 2016, 10:15 PM

Wow. Feeling good on REITS?

This post has been edited by Ramjade: Oct 28 2016, 03:23 PM

Somehow I think the reits have yet to hit the bottom. It have been dropping for a while.

I topup on 24, 26, 27, 28. small amount spread over days as AP was dropping. Small amount each time and different funds. :lol:Keeping for US election.

This post has been edited by Ramjade: Oct 28 2016, 03:37 PM

You are forgetting if she wins, india will drop. (very short period to buy in), everything status quo.
If trump win, india will shoot up and everything else drop.

Well just my prediction.

This post has been edited by Ramjade: Oct 28 2016, 03:39 PM

You can forget about public mutual. Not performing when compare to it's peers.

Rhb malaysian funds are ok I guess except that they are sort of lazy to build their own portfolio. Thry sort of copy paste each other. So if a smallcap scandal happen again like in August, expect history to repeat itself. Unless of course they learnt their lesson. Some of their international funds look very tempting.

For kenanga, the only good fund is their flagship fund; Kenanga Growth Fund (KGF).Eastspring is good for their smallcap fund. But since KGF do invest in smallcap sectors, it might be overlap.

So you are looking for shariah approved funds or non shariah funds?

The right way, is ask yourself, how much can you lose the money. Can you lose 15% and shugged it off? After that, split into different country/regions. Yeah. Next, determine how much bond fund you want to hold (to make your holdings suffer less loses). Determine you want bond funds in malaysia or out of malaysia. Then, determine you want to auto debit small amouny every month into your fund of choice or wait for pocket of opportunities then lump sum in.

Next come the fun part. Which fund should you choose. Choose performing fund for past 3 years. That's just some of the criteria as past is not guaranteed of current and future performance (eg. KGF perform very well but because KLSE is bad, KGF cannot perform as good as last time. But the fund manager is good)
1) buy everything that's making money covering every part of the world.
2) stick with 5-7 funds only.

For me, I am not holding any bond fund and I don't auto debit monthly and I will hold only 6 funds + maybe 1 bond fund (future wise). I choose max 6 funds as that leaves me with more money to cover all 6 funds. My way is the sesat way so please don't follow me. I topup whenever something drop in price. Follow the xuzen way.

Everybody have their own way as long as you are comfortable with it.

This post has been edited by Ramjade: Oct 28 2016, 07:37 PM

As of 30/6/2016
http://www.kwsp.gov.my/portal/en/web/kwsp/...at-30-june-2016

This post has been edited by Ramjade: Oct 28 2016, 11:01 PM

Wow who reported my post just to share info on what EPF invest in.