what we mean is, we usually do not use 5 months to gauge and conclude that fund is crap. to be accurate, at least 3 years. which means by 3 years, your return should be 6-7% annually to be called good.

you bail out less than 3 years because: 1. you are new to UT investment and doesn't know it is not stock market.
2. you want to cut losses.
3. you already reached your targetted return and just wanna cash out for liquidity.

we say 6% or less is failed cos EPF can give you 6. if you can't breach 6, what is the point of this? better give EPF do it for you. Avangelice go as far as 15% or it's shit fund to him too. So, what is your intended return?

we say extra charge for switching is because there is a Rm25 charge for RHB funds. I am not too sure if this is when you sell or when you switch. I will say sell would not incur this charge but I could be wrong.

in a nutshell, you should ask yourself: if you sell, will you be happy with your returns? can you find one that gives you more returns than that in the next 5 months? this has nothing to do with being realistic or not emotional, you're just not giving it enough time to show you wat the fund can really do.

to one his own brother. i can't say much. mine just shows 3.xx% as of now. after one year? but that's from the website. not ROI or IRR. didnt update that list for a while since anita's PMS days.

how long is this? how's the return?

it will take a while. just wait their email to come. 2 days i guess?

the more pressing issue is it kinda go against the rule to only invest what you have extra, not what you borrow. people got themselves in trouble cos of this. borrow money to invest and then everything go south. making losses + pay the loan.

agree to all that. personally being a low risk guy, i wont' take additional risks for something like this.

off topic a bit, how much are you paying back for the loan in full then? as in the final amount? they say fixed so is the interest fixed from the amount borrowed till end of the loan? because that would mean you are paying a lot of interest even when your principal goes down. I read an article that explained on their low interest personal loans. sounds better than it actually is.

to make this reply relevant to this thread, how much are you really earning in the end if say 8% per year until you finish your loan. is your returns good?

who can do the math i would be much in debt to.

do math. do lots of math. do crunches. crunch those numbers in the calculator. don't just say yes yes yes. heads up to the guy who ask about the loan.

minimum and RSP is different. some minimum is 500 or 1k. if RSP minimum is 100 or 200. depending on funds. RSP need to set before 15th every month. set once and it will keep repeating every month till you terminate the service.

example, fund A RSP in jan = 100, feb = 100, march = 100 until you cancel it.

let him be. i remember my early days always checking the market every hour. he does it everyday so it's an improvement. eventually he will learn that it means nothing and will slowly look far. really far. take this as a lesson of patience. good karma comes to those who treat everyone good. even if they are kinda annoying at times and very hard headed.

no offense chris, but you need to chill as xuzen said. you could go ahead do what you like but in the end, it's but a drop of water in the ocean.

xuzen, puchongite, wong mun keong, avengelice, adele, ramjade, AIYH, pink spider. forgive me if i left out more sifus.

all these are seasoned and ready to goreng! (pun intended. no offense sifus)

new players in the game. well, the ones that ask a lot here. nothing wrong with that.

or douse it out for long periods of time.

they would either become better investors than us or you prove them wrong. anyhow, take every advice with some thinking, see if it fits your idea. whatever you do from there on is your own responsibility.

i might be late and wrong about some info but isn't it usually the case? distribute then it drops. or are we talking about technicality? like distribute then drop or drop first then distribute. kinda confused now too!

for the sake of argument ma brother. had your coffee this morning? haha. don't start the day snapping at people. it's like getting at the wrong side of bed. have a good day doc!

to support your point and some others, it could be quite distracting because you have no idea of your real value when it is happening. plus the fact it don't really serve any purpose if the fund don't perform from there on.

buying into your logic, US fund is the most stable so should go into it to get less volatility then? not forgetting europe fund a close second. that statement alone, i just wanna laugh to ever link up US and Europe as low volatility.

in case you don't know, europe was as volatile as potassium in water few months back. so in this case, you use 18 days worth of data against months and come up with that conclusion.

either he adapt and take the UT way with lesser expectations or go back to stocks where for now, he belongs. one, for one, is getting a bit peeved with constantly hammering the need to chill and take a break because it's long term and somehow it's not dialled in.

I have no credentials, just game time in the game. If he's a money maker sifu, then so be it. quoting ramjade " don't listen to this, i might give wrong info"

start of the new year, lunar and gregorian, got new ppl come in, some willing to learn and take note, some come in gun at the hip shooting everyone else and everything, demanding this and that.

take note this is full of ppl who invest for their own personal reasons, not your go to specialist for help. you do not pay us, so give some respect and try to learn something new. we could be wrong and if you have any right ideas, do share. we are learning as well. happy chinese new year and happy holidays!

he is adopting a more visual approach. easier for ppl to un.

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.