If eUT have zero percent promo for bond fund purchase, one would save
340/10540 x 100% = 3.22%!!!

bro. I think you should start making a eUT thread and promote them there. doing it constantly in fsm is kinda annoying after couple of times. it derails the topic. no offense buddy but I'm here to stay in fsm because of their system.

thanks.

You said like this make me feel I am foolish to have high holdings of bond fund 
I am fine with the platform fee 

i am not sure if this is relevant but be pound wise and penny wise, not penny wise and pound foolish. to make it simply, look macro, not micro. In the long term, even if your micro show positive but if your macro shows negative, there's no point.

top 6 clubs from UT's EPL, Serie A, La Liga! no offense to bundesliga.

that is for acca exam not useful to life.

simple better, you invest 5 yrs, roi 25%. simple average =5%pa. like this wrong meh?

Today it has been a humbling experience. The first time I put in lump sum into all my funds, I got very lucky with timing. But the second time, I have got beaten. Badly.

The Russell 2500 is down by nearly 2% and I tripled my US Small/Mid Cap exposure last Friday. So yeah...if only I had held out a bit longer. On the flip side had I held out and instead the Russell 2500 gained 2%, then I would have regretted my decision too.

Now just thinking if I should be getting my fingers itchy and switching out of any Global and European funds tomorrow. The futures don't look pretty anywhere, but they look worst for developed markets. I know I will regret it if I switch and instead they improve...likewise if I don't switch and they get worse.

Hey guys, firstly thanks for the welcome & encouragement.

My objective is to invest towards my retirement and my risk profile is balanced. Any comments on my planned port below?

Fund  Allocation (%)
===================
Eastspring Investments Bond Fund 30
Libra AsnitaBond Fund 10
RHB Asian Income Fund 20
CIMB-Principal Global Titans Fund  20
Eastspring Investments Global Emerging Markets Fund 20

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Well yea but don't we have a general UT thread?

https://forum.lowyat.net/topic/2601692

I don't think that is active. Besides the fund he is asking are all available on FSM and he was told to post here.   

MIght as well change the topic then

For FSM PRS Fund :
An annual fee of RM8.48* will be deducted from your investment amount for subsequent investment on the next calendar year. *GST 6% included.

Which means...  RM8.48 would be deducted each year until we reach retirement age?

I'm just curious to know how old are you and prior to investing with FSM, have you invested before ? If yes, how long have you been doing so ?
That's an impressive portfolio bro.

When did you buy into Manulife India's Fund ? Did you do a one sum investment in the given fund or was there multiple contributions ?

So welcome to club 23 then haha.
Was reading up on India a few weeks ago and I'm just pretty skeptical if i should get in now. Politically things aren't that good!

Why you say I speculate ar?

I follow rules wan... I do DCA and proper asset allocation following my sifu's advise, that is, Prof Harry Markowitz.

Xuzen

lol pokemon master!

Pokemon Player! Gotta catch em' all!

Out of your list, I only have Selina      , India, US (TAGTF) and Esther Bond      only.

Lean & mean   

Xuzen

TS is AIYH, so only he can edit the OP.

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Happy new year fsm team!