https://www.fundsupermart.com.my/main/resea...Years!-7606

Bro, same article now in FSM MY 😎😜

Gosh..did u just lump sum into Ponzi 2.0 because of one single piece of advice? Do practice safe ~sex~ investing!

Nice to know there are Kuchingnites here too! I didn't know of such event! Looking forward to the next one..hehe

I won't be surprised that you would actually know more than some of those so-called con-sultans! Just a bit of reading, researching, understanding and reading this amazing thread go a longggg way! So yeah..in their faces! 😈 Anyways..this thread makes learning more fun!

How small can this world be? Never knew the medical community in kch is active in DIY UT investment:P If I'm not mistaken Avangelice is in private practice now,no?

Do take the time to read the last few versions of this thread. Its worthwhile👍

I'm planning to do a revamp of my portfolio allocation. Minta nasihat/pendapat sifu sifu sekalian.

MY - KGF 10% EISC 10% RHB IBF 15%
Asia Pac - AmREITS Class B 15% RHB AIF 20%
EM - RHB EMBF 10%
DM - Titties 15%
Ind- Manu Ind 5%

Below is a summary of the portfolio

I've just started UTF investing in January, back then didn't know that with RSP one could start up a fund with the bare minimum top-up. Hence ended up with Ponzi 2.0, Titans, KGF and EISC with little emphasis on allocation % (didnt have regular funds to DCA) Only recently have I started setting aside a fixed amount monthly for UTF investment, wife was against UTF LOL! So decided to look seriously into geographical allocation and eventually came up with the portfolio above, xuzen is sure to accuse me of trying to catch em all!

Not sure how resilient this portfolio is going to be though. Going high on equities now does seem a tad risky. Any input/advice will be much appreciated

As Master YodaZen said before, the best way to know ones risk appetite is to take the necessary steps towards experiencing UTF investment. Hence that is what I shall embark on. However I'm just a wee bit cautious in times like these where the market is threatening a meltdown (or not). Not concerned with short term losses due to volatility.

My instinct is preventing me from overweighting in country specific UTF..how heavily vested are you in India, may I ask?

Nobody knows when and how exactly the market will react, will it go on a bull? Rebound? Correct? Meltdown? If one has chosen a balanced fund, one has decided he's got no steel balls. Ride it on as per plan, and when and if the balls turn to steel and one is comfortable riding on the pure equity boat, then hop on! Staying on a balanced fund will at worst net you lower profit than the pure equity counterparts in good times.

First of all, an insurance plan and a UTF investment are two separate "investments" that IMHO should not be compared head-to-head. I'm sure you are aware of the pros and cons of both and we should probably not go OT on this here. But in short, UT cannot give u a peace of mind in the short term lest something unfortunate were to happen. On the contrary, if nothing happens and u live till the ripe old age of 75, you'd be cursing you'd ever dumped money into an ILP in the first place. But only God knows what will happen and when. However, a monthly premium of close to 500 bucks is one helluva commitment! The agent sure did his/her job darn well...lol!

Now on to which is the most conservative..if you're looking at the least volatility, I would suggest Anitamui fund. In fact I myself have decided to turn to her instead of RHBIBF, as nothing beats her as a stabiliser of an equity-exposed portfolio. If she is open to a slightly higher volatility with exposure to asiapac bonds and potentially higher returns, go for AH Select Bond. Kindly refer to the linearity of Anitamui fund and 3 yr volatility below



This post has been edited by drew86: Oct 26 2016, 08:58 PM

AFAIK, the only extra fee not reflected in the NAV itself is the platform fee which is 0.05% (negligible, no?)

Historically, Anitamui is 50% less volatile with 20% lower returns compared to RHB bonds. So if your gf wants something really conservative, anitamui will be my recommendation. However do bear in mind that there are still risks of bond default, interest rates etc. Does she have enough cortisol to cope with watching NAV turn briefly red? Many people can't do that..one way is to ask her NOT to check FSM daily. Do it quarterly instead

Yup can just do that. Done that a couple of times before✌

He's aiming for the credits to save sales charge I presume. Plus money is not doing nothing, any profit/loss in terms of NAV change still applies. It just isn't accessible..some of my funds are in such a float too.. meh!

There is another brief moment after the election bloodbath to consider 😁

Yup I was talking about the potential selloff right after the elections,if any. If it happens, hopefully we can catch it on the 10th morning before the AP sales ends. Of course if buying into US equities one is in no hurry as there is no discount on sales charge.

Holding my horses just yet..

Wow u seem to have a lot of bullets

Means that in 2013 the fund made a loss of 4.6%, but if averaged out across 3 years, it reported an annualized gain of 8.55%.

Topped-up RHB AIF. Still not up to target allocation, so might as well take advantage of FSM discount 😁

All bond funds suffering the brunt as investors are speculating growth and inflation. My EM bonds fell more than 2% already. REITS plunging too

Best thing to do right now.. don't login for a week/until you have bullets to top-up. Time to reevaluate asset allocation and top-up/let go perhaps?

Meanwhile try knocking urself out with some midamorph..

However the saying that all politicians lie still holds true. So don't expect Trump to implement whatever he "promised". We know very well how promises are made to be broken, especially in our own motherland.

For the faithful, this is the best time to buy-low.