This one says 3b, proposal only.

http://www.thestar.com.my/business/busines...l-and-mid-caps/

I'm not saying bet on Malaysia lah, but just be patriotic and put in 10-20% of your allocation to Malaysia. Sure once the KLCI hits 1750 then you must reconsider your investment in Malaysia - at that point I may need to think about exiting Malaysian funds. But as I said a few weeks ago after attending the FSM talk, there is very little downside to Malaysia. Foreign investment more likely to go up than down, while local funds sitting on 10-20% cash as of the start of January. Also of course it's possible that now it's too late to join the Malaysian market as KGF/Kapchai are up 6% since Dec 27, so even if it ends the year double that newcomers will only get 6% more, which isn't much.

Look at this website, it gives a very good/favorable view of Malaysian equities in the long-term: https://www.researchaffiliates.com/en_us/as...n/equities.html

AMB Dana Arif Class A-MYR (10%)
Libra AsnitaBond Fund (10%)
Aberdeen Islamic World Equity Fund - Class A (22.5%)
Affin Hwang Select Asia (Ex Japan) Quantum Fund (10%)
CIMB-Principal Asia Pacific Dynamic Income Fund - MYR (22.5%)
Eastspring Investments Global Emerging Markets Fund (10%)
Kenanga Growth Fund (15%)

This is taken directly from FSM recommended Aggressive Portfolio.  Any suggestions/recommendations/adjustments based on latest political climate and economic circumstance before I allocate my bullets in these funds?

Selina itu which fund ah?

It seems Affin Hwang funds are not eligible for the zero SC for transfer-in from other fundhouses.
Any reasons to shy away from these funds suggested at FSM mainpage?

That's a valid argument.  Any reason for Manulife US as compared to Aberdeen Islamic World Equity Fund - Class A?

TAGTF and Manulife US are quite often neck to neck in the race for dominance. Hence, there is no hard or fast rule to determine which one to get because:

i) Mereka bergilir-gilir dapat tempat pertama dan kedua. So choose both lar in 50:50% lah! Or...

ii) Since their RRR is lebih kurang sama most of the time, choose one which gives a higher ROI on average.

iii) Or if you are kiasi type, then choose one which gives you a lower volatility factor to give you better sleep at night.

Like I said, no hard nor fast rule... up to you in the end. Both are equally awesome fund.

Xuzen

p/s Global funds are a waste of time. Better buy US since global fund tracks MSCI World index where US exposure is more than fifty percent!

Manulife US unable to beat it benchmark

Really that much difference ah? 16.5% annualized for the past 5 years still cannot beat the benchmark? That's kinda ridiculous.

Oh wow, didn't know about this. Is it truly free? Just RM1k they give to you? Sure there are catches.

nope. it won't. risk vs return ratio is too great. if that's the case gold funds should be popular but everyone knows there's a risk to it. same with country specific funds.

also India Pakistan war can spark anytime. hope everyone is well aware of that.

that is what sets us apart from the run of the mill auntie and uncle retail investors who follow the trend. don't be them. focus on having an objective mindset when approaching investing and always always have a tidy of sum to buy off cheap assets when these aunties and uncles fall and burn for chasing returns.

keep your portfolio on auto pilot. when shit happens. top up.
come back every once in a while to lock down profits and reinvesting them.

Okay, I need to hear out some ideas/opinions from you guys.

PROBLEM A
Remember I was asking reg PMB transfer of funds to FSM?  Now I am having a dilemma.
In view of current market being quoted as possibly overvalued by others...
Option 1 : Should I reinvest ALL my funds from PMB to my designated portfolio and enjoy the zero percent sales charge?
OR
Option 2 : Should I just reinvest RM10k first, then do VCA for the remaining funds every month but losing out on the zero percent sales charge once the 1 month period has passed?
Which is more logical and economical?

PROBLEM B
I am going to put in RM1000 into PRS to get the one-off RM1000 initiative from government.  Rather than RM1000, would it be better to top up RM3000 every year (till 2021) to enjoy the tax rebate benefit?

PROBLEM C
Manulife Equity USA versus Aberdeen Global Fund
Global fund has better diversification (includes European countries) but why are most people more keen on 100% USA fund?  Isn't it riskier?  Or is it because the presumed Risk Reward ratio is better?

   

do you know why pakistan and india is at war till now? I will not even question your "frontier market" thing because I take your word for it since you read a whole lot moer than I do. I would not dismiss the idea of war that easily between Pakistan and India. The fear is always there. All it takes is one bullet, one rocket, one shot.

the only movie i know highlighting the war between paki and india is vertical limit way back then. however, nothing is impossible. look at trump. he's already the impossible and we are living in it. Did you think Trump would win against Hillary? If you do, you just beat xuzen's crystal ball. so u say no WAR will happen. idealistic thought . I love a world of peace. You can hope on it but don't bet on it not happening.

You need to understand the nuance of the language. I was speaking of a hypothetical scenario were such a fund to exist.

Nope....my switches are unlimited and at zero cost always. No, I am not on CIMB Clicks.....   

UTF = Unit Trust Fund

Speaking about India further, it has many risks. But a Indo-Pak war is a non-factor.

Big risks in India are political risk, both at the central government and state level. India is totally unlike China, where the central government has strong rule over the land. In India, state governments can be very isolationist and there is a risk of some states breaking away. In the Indian parliament when they speak be it in Hindi or English, many members need to wear headphones and listen to translators. India is a chaotic place, compared to China which is very "prim and proper" and tidy.

There is totally a lot of growth to be tapped in India. I have been there. I know the people. But there is no discipline in India. Every state wants to act in its own selfish interest (rightly or wrongly) not in a national interest. Sometimes I dream of what India can be with their land mass and population and low wages...if they got a government like China's that can rule with an iron fist.

contestchris I would suggest you control that mouth of yours when it comes to calling someone stupid as I can back up my argument with facts when all you do is talk shit and I caught you bullshitting a few times.

Anyways here's why a war (be it a small skirmish) causes a jitter in the fund. I know this because I asked why Manulife India went down back in September and ramjade replied that there was a conflict going on between Pakistan -  India in which i didn't know about.

you can read it here

https://en.m.wikipedia.org/wiki/2016_Indiaï...y_confrontation

and also to back my point up, I took the liberty to look into Manulife India's past performance in 2016 and highlighted the "dent" in the fund made by the skirmish.

[attachmentid=8464417]

My original argument was that one should also consider war conflicts to affect their funds but ultimately understand that this too shall come to past as seen in today's Manulife India EQ fund. so do not be jittery so much and continue investing.

no need for name calling here.

Boss, you pay wrap fees ma

OT a bit, FSM SG wrap fees is cheaper than yours and yet the folks here kao beh kao bu say con job ler 

Most important thing is net returns is good right? If lose money, free also no use :thumbsup:

Following up on my concerns earlier, I sold one third of my Titans fund. I have no other funds that are directly US-based. I think gold will go up some more but I have no idea if buying one of the gold funds is a good proxy for that and the extreme volatility of those funds make me nervous. I'm keeping my Asian and emerging markets funds for now but I really, really want to move to a more cash position.

Are none of you really scared of a major financial crisis this year?

Keep cash in anticipstion of a crash.?.
I think that would be very wasteful....
If one think other wise....it is his or her choice

Did he recommend the cash to be x % ?

That is not wait with cash waiting for that time.

must be pretty dumb for a wise man coz if it doesn't happen within another 5 years how?

unless one can predict the future, wouldn't a "proper" (ie. fits one's sleep needs VS growth needs) asset allocation be better?
eg. AA between cash & fixed income, business equities, real estate equities, gold/commodities
heck, going into extreme AA - guns, parangs, bear spray, dry food, canned foods, generator set, etc too if one worries about war/collapse of civilization 

Luck or good process/strategy?

so what did this wise man do in 2008, 2009 & 2010? and the outcome?