why must max stick to 6-7 fund only?
I had near 20 funds now, it balanced my profolio, single fund drop wont cause much chabge for me, still averange I have positive profit. It earn slowed but it diversified.

I don't believe in having 20 funds. I do believe in there's such thing called over-diversifying.

I do want better gains, at higher risk.

I have 7 funds including 2 bond funds, it's more than enough for me.

we are talking about malaysia unit trusts where choices are very limited as compared to Singapore and Hong Kong.

any more than 7 to 9 funds (I have 9 funds) you will be investing in funds that over lap each other which beats the purpose of diversification.

example.

Rhb asian income fund
Ponzi 2.0
Affin hwang select bond fund.

all three I have and all three are within the same geography. so I lump all three as one within my portfolio. eg 50% goes into Asia ex Japan. within that 50% I divert to three funds

I don't believe in having 20 funds. I do believe in there's such thing called over-diversifying.

I do want better gains, at higher risk.

I have 7 funds including 2 bond funds, it's more than enough for me.

understand. diversify, should not only on geograaphy, isnt? there is still sector/ nature of buisnesess.
even though got a lot of fund but all in similiar sector, all will crash together when that respective area crush.

ya, that why profolio is always vary falloww person peferences.
I aim capital apperiaciation with gain.
I had family, can't afford too much risk, I do park some emergency fund in bond/CMF.

MONEY management is so ccomplicated when maarket is messy...

just asking, anyone still holding smart treasure fund? don't seem to be doing well at all after that one year high.

Sometime I do afraid OVER Diversify,
I was like a chance investor, buy when market bad.

As I am still young in investment, after 3 years learning.. my porfolio become like this



After post, I count back. I had 25 FUNDs....lol
maybe it does too over. haha.

do note that placing emergency fund into CMF is not instant cash out. there's a lag time. same with bond fund.

dude. that's way too many correlations there. eg

your develop markets and Japan, global with ASEAN and Singapore and greater  China. global with Europe including UK.
way too many correlations there and you spread yourself too thin. 2% into each geography. how much is that? at the end of the day you make no returns.

Most of it I brought on 1% promotion/0.58 during national days.
those develop market all have double digit profit now.
esp europe incculded uk, brought when BREXIT, less than a year got double digit..too bad not invested much that timee.
only Malaysia market got red1~2 percent...

May if you can list down all your funds , the guys here will promptly advise you on where to cut or shift?

Pokémon player meh? Gotta catch em all™?

I participarte up to four unit trust fund only nia.... 

Avangelice,

I am topping up again on AM Reits & Manulife US.

Selling / taking profit on Manulife India. Using the profit from India to top up on AM Reits.

Xuzen

Sometime I do afraid OVER Diversify,
I was like a chance investor, buy when market bad.

As I am still young in investment, after 3 years learning.. my porfolio become like this



After post, I count back. I had 25 FUNDs....lol
maybe it does too over. haha.

Pokémon player meh? Gotta catch em all™?

I participarte up to four unit trust fund only nia.... 

Avangelice,

I am topping up again on AM Reits & Manulife US.

Selling / taking profit on Manulife India. Using the profit from India to top up on AM Reits.

Xuzen

How was the performance though, rarely see a 25-fund portfolio

Yeap. I'm planning to max out my allocation for am REITs by taking advantage of the 0.5% service charge on the 7th of January sifu and cannot top up anymore on Manulife US as I already maxed out my allocation there too.