If USD strenthen against MYR, those NAV of USD denominated unit trust fund will increase and if the converse happens, then the reverse will happen also. Since you are a finance noob, learn this mantra and repeat it 10,000 times a day,



Xuzen

P/s Let us take a trip down memory lane and think about it at a moment. Rewind the clock and go back to 1991 during the first gulf war, it was around 2.50 MYR to one USD wasn't it?

I remembered that USD was plunging. Oil price was shooting up the roof! MYR was so strong. If during that period, would you buy M'sia stock market or US stock market? In 1990, our KLSE index was around 600pts, it went up and up and by 1997, just before the Asian Financial crisis, our KLSE was in 1,200 pts territories....

During that period, would you have thought about investing in US stock market?

What I am showing you is that investment is never static, currently, we are licking Uncle Sam's balls now, but there was a time, foreigners were licking our balls.

Who knows in some future time, we may all be talking about investing in the Kingdom of Wakanda stock exchange and we may be rushing to buy their currency, Vibranium Dollars.

Spoken like a true noob.....Haven't you heard of a Chinses saying, "If we know everything in advance, in this world there there will have any beggars".

Do you have a crystal ball that works 24/7?
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  oh,...too bad,...the SC will "eats" the profits away. 

Look out for your transaction cost. If you are tactical type playaz, better to use a wrap account, for that feature allows you unlimited free switching. Think of wrap account like your monthly parking season pass to your condo Parking.

Then you can switch around and perfom tactical hit & run tactic, but it is high risk. Sometimes you can make a wrong call.... like the Trump winning the POTUS. Prior to him winning, you ask ten fund manager, nine of them will say Clinton will win.

Xuzen

My portfolio, on average, barely 4 months old 

Total portfolio value less than 8k 

Actually I have to disagree with your conclusion that "how much difference timing can make" by looking at AIYH's portfolio. His portfolio is rather diversified in region. Sure, at the moment his global/developed nations funds are doing great and MY funds are not doing well; but if situation reverses in the next few months assuming Trump is a disaster as expected; then the reverse would happen and his portfolio would still be growing positively on an overall basis albeit lesser compared to those who bet on the right horse every time. But seriously, which retail investor can do that all the time?

It's very different from what you proposed, to only focus on funds that you think has potential to make a lot in the short term and switch everytime the fund lose steam.

Obviously I'm in a different ship than you but I wish you well. Ppl losing money on unit trust would just give it a bad name regardless of how they lose the money, whether it's really the product's fault or user problem
If you really plan to do that, you should ask FSM to transfer the holdings over instead of selling in CIMB clicks and re-purchase in FSM. Not only you lose out on SC, you'd also lose out on timing which you emphasis so much of

I am thinking of kgf and Cimb greater china

Brothers I need some help,

I switched eastspring small cap to Eastspring Global Emerging markets somewhere in November. I wanted to compare the scenario of holding vs switching around the time I made that decision but eastspring small cap had a distribution the other day so that skewered the comparison.

here's my historical transaction

Eastspring Investments Small-Cap Fund 2016-12-01 4,739.37 RM 0.6678 - 0.00% RM 3,164.95

Eastspring Investments Global Emerging Markets Fund 2016-12-01 RM 3,164.95 - RM 0.3087 10,252.51

this would be a good case study for argument holding vs active switching that we had a few days. the problem is that the distribution, I don't know if I actually made money from it or not. how do you compute this

hahahahahahahaha sorry bro I had to laugh not in a mocking way is just that I'm clueless as an ape but thanks for the tips.

Current NAV price 0.6443
NAV upon switching RM 0.6678
dividend = RM 0.0338
Total lost.........?
Current NAV of Emerging markets 0.3187
NAV upon switching RM 0.3087
Total returns 2.98%

Where would you find a price for either dated 9/1 ?

Thanks. Need to read more.

I thought you are able to spot trend, or at least spot it correct most of the time? That being the case no matter how many funds you have you are still able to get the highest return.

Keeping MY and APAC as permanent funds ? Why ? These are easy targets for people to goreng up and goreng down. For that matter, I wonder which fund will be most stable .... Bond funds were badly hit also recently.

How long would it take FSM to update CIMB Principal Australian Equity Fund's fact sheet ? Still shows novermbers issue!
https://www.fundsupermart.com.my/main/admin...etMYCIMB008.pdf

I'll call up FSM tomorrow and ask them

Have been waiting that for 2 weeks dy, probably another 1 to 2 weeks