IRR-to-date 8.40%
ROI-to-date 4.72%

still in accumulating phase

disclaimer:
I have RHB Gold and General fund. It's been having a good run over Xmas, pushing up my IRR

Actually it's hard to pin point when to top up China HK region. No correlation between the region and Ponzi 2.0

China and HK is the same level as 1 year ago and 5 year chart.

Is it wise to top up US Equity Fund at the moment? Thanks.

I have a gut feeling China will be a power house that can rival US one day so now I'm placing investment 50:50 to Manulife us and Dragon Fund. one tips the other goes up and vice versa.

China is too big to fail and you will be missing on all the excitement not riding a dragon and if it plummets to the ground the whole world will feel the impact.

US exposed equity fund for me is purely a MYR/USD forex play. Yes, S&P is now trading at around 20 times PER. This is above average. Meaning the index is expensive. But, USD is expected to strengthen against MYR in the short to mid term it is an opportunity to grab some action. Personally I am capping my US exposure to 15% of my portfolio only.

Xuzen

wrongly type. both i switch today also 0.5% sales charge.

I'm a noob yes (for now), but I am NOT talking about speculation. I am talking about concrete market trends.

Anyway if/when I do such a tactic, I will be sure to update everyone here with regards to its success or failure. I personally think there is margin to eke out even higher returns by doing some minimal informed tactical switching/redemption/re-allocation from time to time - but I guess I will have to put this hypothesis to test myself.

I did actively manage all the Funds one first year of investment, keep topping up and switching. but the gain is not much. I was so busy last year, forgot about active management. and 2016 was the best performance in my profolio.

Timing is the hardest things to catch.
like xuzen said unless u have the crystal ball.

few percent is not the aim of growth, for me I aim higher return.

Who know suddenly someone Tembak Trump, world be crazy again. Or suddenly Jib Gor got a stroke and into coma. who knw?

* In US history, Leader being shoot to death was happened
* In Msia, Leader sudden death due to medical reason was happened every years.
In SG, the leader all so difficult to die, President Lee had brain tumor and prostate ca, also settled healthy after surgery.

My portfolio, on average, barely 4 months old 

Total portfolio value less than 8k 

These value taken directly from account holding page (except kap chai need to manually include distribution ), so is latest date

May I know which fund are those?

Because DCA will also incur SC, may be those SC havent recover 

And I said average 4 months because I started some funds earlier, some funds only added few months later, hence the average

Think e is thinking about shifting his portfolio from cimb clicks to FSM bro.

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

Interesting that FSM takes into account of the fund transfer for their reward program

My port is up again. Asia - Pac has awaken from its slumber. Yay! 

But this post let me take you down memory lane for 2016.

Early 2016, we all woke up to a shitty start. China circuit breaker fiasco... remember? All mkt was down, none was spared. It was a sea of red everywhere. Where can you go?

It took about four to five mths to reverse that carnage. Then it was Brexit. But it was not a big issue really except Europe focus fund. This shows really Europe as a world player has diminished role. It did not do any f3cking much.

And the market continue to rally and up and up and up.

I remember in one particular month, my port gave me a return equivalent to my one month salary. Imagine getting an early bonus.

Then f3cking h3ll, Trump won POTUS and my port went south coz I was in the view that Clinton will win the POTUS.I think if Clinton won, my port would have given me a fat fat CNY angpow.

But notwithstanding that issue,  I was cash heavy at that time and my port bounce up and down and did nothing much in the rest of Q4. It just moved sideways. As of 31/12/2016, my port gained 3% (4 mths tracking). Oh, well... such is the excitement that comes from investing in risky assets.

Xuzen

+1

was suprised to find out that too but yes, that bro is a sis.

agree with dasecret Diy unit trust investment can be a double edge sword and if you do not understand the basic fundamentals of it and how it works, you may be making big returns only to see most of the returns go into service charges, frequent switching fees and timing the market wrongly.

the way I see it,  every ripple be it brexit, trump and wars are just small ripples made in a vast ocean. think far and long term. have a diversified portfolio and ride out the waves, gain experience from it.

contestchris you are very new and very young, it explains the way you are investing. a fire brand. some of the guys and gals here have been at it for years so don't take it personally when they offer their advise. it may seem harsh but we gain nothing from helping each other so patience. I see you diving into stocks in the sub forum and you opened multiple threads.

you are playing a very dangerous game there buddy. just take a breather. you have many years ahead. room to grow. don't rush.

FSM = ?
Manulife site = ?