See reply above.

This post has been edited by Ramjade: Jan 15 2017, 01:19 PM

Look at their volatility vs returns. Those funds IMHO are better than what he selected.

RHB Smart Balanced Fund 20% > Kenanga Growth Fund (Kenanga is the undisputed champion of local fund)
RHB Bond Fund 20% > Affin Hwang Select Bond Fund (holding malaysian bond fund is not a wise idea especially after what happen Trump incident. Other bond funds drop little but Malaysian bond fund drop badly)
RHB ASEAN Fund 20% > Affin Hwang Select AP ex JP Quantum (look at 3 years volatility and returns, Affin wins hand down)
RHB Emerging Markets Bond Fund 20% > RHB Asian Total Return (less volatlie)
Affin Hwang Japan Growth Fund 20%

And my watch list for this:
RHB Big Cap China Enterprise Fund > Cimb Greater China (CImb less risky, higher returns)

Clear?

iampokemon see reasons why I change your funds.

This post has been edited by Ramjade: Jan 15 2017, 02:59 PM

Actually these are the only 2 gifts I received. 1 FSM angpow. 1 Table calender from Affin bank and I was making a withdrawal.

Correction. According to Lee Sook Yee in the article, she said they going to into small caps to look for value stocks.

Too much money already. That's how business works. When they are establish, start removing those benefits until they are none. Perfect good eg. Xiaomi. Use to be value for money, now, is lesser value for money.

Yes that's right. The eastspring fund is a feeder fund into the M&G (M&G is the mother fund)

You can say so. So if mother fund koyak, feeder fund alao koyak.

Don't look at that risk. Look at 3 years volatility for risk.

Too small changes. Need at least 1-2%
0.18% is practically insignificant.

Walao. What happen to Malaysia some more?

Must be. I trust overseas business news portal better. From bursa own website, not much also.
http://www.bursamalaysia.com/market/securities/

Person who wrote that is going to kena fired

Looks like china playing tricks again (remember at the beginning of last year, they devalue their currency suddenly? ) cause the whole world market to turn red. Not even US was spared. But we will see...

On to Malaysia side, if Renmimbi depreciate, expect RM to depreciate further as RM tracks the Chinese currency Can say hello to burning of more reserves.

Ponzi 1 is easy. If you see malaysia market down badly, buy. Why? Ponzi 1 holds 31.9% in Mlaaysia if I am not mistaken.

Look at China. China is ringing bells now. Stock prices down, capital control, burning though reserves. If china decide to give a "surprise" like last year, Malaysia will badly be affected.

That's for Ponzi 1 and Malaysia. Rest of the world will be affected by China. But question is how much?

You should be able to sleep even if your investment drop by 15%. That's my own personal experience and said by those who do passive investment.

If you cannot sleep because it's red, maybe you have to switch to something which is less volatile?

Actually if you want able to sleep might want to look into the way turtle investor does (SG blogger)

He invest in only 4 stuff
- World index
- STI
- Singapore bond index
- REITS

Checkput how bogleheads invest. Some use 3 funds, some use 4 funds.

No need monitoring, just dump in 30, 30, 30, 10. Very easy, lazy and have good night sleep.

How much did you lose? If only 0.xx%, come back when you have experienced 15% loss (my experience with ASG) within 1-2 monthd of buying. That will make you a stronger person.

Had I withdraw that time, straight lose 15%. I hold for 3 years. (that time don't know anything about UT/FSM). Keep in mind these was about 25% of what I have. Kind of heart sick seeing your 25% just got wipe out by 15% and some more I was a student. No income. That was my own savings.

This post has been edited by Ramjade: Jan 17 2017, 12:02 AM

If that's the case allocate more into bond fund. Say 40% bond fund, get RHB Asian Income. Having this 2 combo will reduce your heart palpitations. That's what I did for someone.

Alternatively, see the 4 funds stuff above. Easily replicated with UT. Less headache thinking which one to topup.
1 world fund (Eastspring or the Nomura -It's actually quite good according to Bloomberg)
1 Asia pacific fund
1 bond fund
1 REIT fund

If I am not mistaken, sifu wong only have 3 funds
1 developed world fund
1 developing fund
1 REIT fund

This post has been edited by Ramjade: Jan 17 2017, 12:24 AM

Well your green will just have to outrun your reds. Reds are inevitable. Right now my green outrun my reds. For now..

Check out on Bloomberg. Bloomberg have previous record. Plot it against Eastspring mother fund.. Sorry my mistake. Was looking straight.

This post has been edited by Ramjade: Jan 17 2017, 09:27 AM

Actually Manulife US cannot beat SP500 because the mother fund cannot beat SP500 right? Titan involves EU and JP so not a fair fight.