dasecret I join you. I have also been promoted to the 'hero' category for having 15 funds. 😃

This post has been edited by Vanguard 2015: Jan 27 2017, 12:22 AM

The portfolio for my main account is increasing in value about RM300 to RM400 per day. Obviously this is not sustainable in the long run because of reversion to mean. Otherwise it will add up to a passive income of about RM10k per month or RM120k per annum.

My opinion is that new investors should not invest one lump sum now especially for US fund but should do DCA instead. The valuation for the US market is at its new peak. My definition of lump sum is anything above RM5k and above if that is your average monthly salary.

Some of us have higher risk appetite because of our age and earning capacity. Don't forget that some of the investors here including myself were already substantially invested in Ponzi 2 and CIMB Global Titans before Trump won the election and the rally began.

I predict the rally would continue for a few months (the honeymoon period for Trump). He can handle the US domestic economy being a savvy businessman. The acid test would be the US foreign policy in which Trump has limited experience. For e.g. a new foreign crisis which may involve Trump ordering US troops on foreign land.

My 2 cents worth as usual. At the end of the day, it is your money.

Portfolio for my main account. Photo shot only.




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Yes bro because I think I am older and have been working longer than some of the investors here.

Gong Xi Fa Cai to you as well Xuzen.

Yes currently I am under employer status.

No my friend. I am not a platinum member.

And RM400 per day is not sustainable. The market correction will come. The question is when.

Eh, I am surprised that the forumers here remember what I posted before. Sadly my FSM portfolio will never reach sustaining mode in the absence of index funds.

I am in my 40's. This year mark the 20th year since I joined the work force in 1997.

Stay YK Looi. And keep our portfolio diversified. Also to keep a lot of spare ammo to top up when the market correct itself.

What else can we do since we can't tell what Mr Market will do tomorrow?

+100. 👍

I think we are quite alike in terms of background. We also don't believe in being flashy and spending to the hilt. But you have one up. Your extensive knowledge in finance and investing. My knowledge is just hit and miss.

Like Sifu Wong said, if the market move sideways for a few years, our portfolio will suffer because of the annual management fees, trustees' fee, etc. These fees are still chargeable.

Also because the funds in FSM are actively managed, their performance depends on the 'skill' of the fund managers. Fund managers come and go and the mandate of the funds may also change with the passage of time. Funds may also be closed in the future if they fail to perform.

In short, we cannot depend on unit trusts as our sole retirement fund. I would treat it as one of our pockets or baskets of investment only. My 2 cents as usual.

This post has been edited by Vanguard 2015: Jan 28 2017, 11:29 AM

I am a long way from retirement. My humble view are:-

1. Start investing early. Even if you lose money, hopefully it will not be much. You have 20 to 30 years ahead of you to make up the losses. I think I first started investing in unit trusts about 15 years ago before I took a break.

2. Ego is your enemy. Nobody is superior to another person. It just happens that everyone has his own circle of competence. Never stop learning until the day we die.

3. INVEST IN YOURSELF. Nobody in this world can take away the knowledge that you gain in your head. Keep on sharpening the tools of your trade by taking courses, reading books, etc.

Welcome to FSM bro. It is never too late to start investing. Assuming you have 20 years of working life ahead, you will still end up with a tidy sum of money upon your retirement.

In our late 30's to 40's, we would usually be at the peak of our career and earning capacity. We might as well take advantage of it.

P/S : Based on my observation, all things being equal, it is the expenses and not the income level that affects our retirement plan.

New generation mah. Instant gratification concept. We want the reward now. 😃

This post has been edited by Vanguard 2015: Jan 31 2017, 12:19 PM

My main portfolio is still surging ahead. Today it went up by RM915. We live in dangerous times. What goes up must come down. 😅

FUNDS TO LOOK OUT FOR IN 2017


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Self created based on my indepth analysis of the MPT, by looking at the Sharpe ratio, alpha, beta and SD of the funds compared to its peers and benchmark for the past 5 years....

Wait that sounds so wrong. Actually it is from the Smart Investor Feb edition. They attended the Unit Trust Investment Fair 2017.

More snapshot from me.


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The Malaysian GE will most probably be held in the 3Q of this year after the Hari Raya holidays.

BN will be returned to power and then the market sentiments should improve.

I don't know for sure. But KGF and EISC should rally after GE.

I wish I know. Even now KGF and EISC have been inching upwards.