I don't know sis. I am not an economist. As usual, my 2 cents worth based on talking to clients, other people and my observation.

1. Property market will still be down next year. Developers are suffering. Oversupply of condominiums and office space. Nobody is buying. Young couples who wish to buy a property after paying the 10% deposit...their loan application may still be rejected later by the bank. Local developers are marketing their properties overseas now.

2. Higher priced food and beverage restaurants are suffering. Some business are down by 30% and some others have closed shop. The surviving ones are doing promotional lunch set to survive. Of course I am not talking about the really high end restaurant that caters for the rich like Chynna. The rich will still eat and dine as usual.

3. Banking. Looks bad to me. VSS started this year for Maybank, etc. Not sure whether the banks will have more VSS next year.

4. Automobile industry. Same problem. The family man will not change his car because of the economy uncertainties. For the young, no issue-lah. Die die also, gaya mesti ada. Just take a 9 years car loan lor. Can always file for bankruptcy later.

So, in summary, the MY market will be flat pending the outcome of the General Election next year. I hope I am proven wrong. I wish the Malaysian stock market and economy well.

Sekian, terima kasih.

I didn't even know there is such a campaign in the first place.

This post has been edited by Vanguard 2015: Dec 23 2016, 07:07 PM

Sis, you are stirring up trouble.

As usual, investors will lose money from constantly shifting from one fund to another, trying to find the next "hot" fund. This has always been the danger highlighted by any investment books.

What to do? Blame it on internet investing where everything can be done with the click of a mouse!

A timely reminder, my friend. Thanks.

Sometimes we get so caught up with work that we forget about others who are less fortunate.

After your posting last year, I started a monthly auto debit with World Vision to sponsor a child. I am still doing it. I am not a Christian BTW but like you said, charity is a universal concept.

Nothing in FSM is capital guaranteed including CMF...

Long time no see Pink Spider. Let me stir up some s**t.

Fixed deposits is protected by PIDM up to a maximum limit of RM250K per bank. For e.g. if I deposit RM300K FD into Maybank, only RM250K will be covered by PIDM. If Maybank close shop tomorrow, I will lose RM50K.

CMF has about RM300 million. What are the chances of the money being distributed among all the banks up to a limit of RM250K only per bank. Not likely rite? So IF a bank close shop tomorrow, the Fund Manager of CMF will not get back the entire FD from PIDM.

Therefore CMF is not capital guaranteed because the underlying assets, i.e. Fixed Deposits is only guaranteed up to RM250K per bank.

Happy New Year everyone!

kimyee73 and wongmunkeong aka Sifu Wong, remember the saying, 'playing piano to a cow?'. Don't go there. It is a waste of time. 😀

BTW, can someone please teach me how to tag another forumer? Thank you in advance.

P/S : Edited to tag forumer

This post has been edited by Vanguard 2015: Jan 1 2017, 12:42 AM

AIYH Thanks a lot!

Please keep the TA European Equity Fund. It is a rising star now. Hot fund.

My view on diversification or diworsification. It depends on the investment layout. The larger the invested amount, the more funds we need.

For e.g you are investing RM400K with FSM. Are you comfortable to invest in only 4 funds for RM100K in each fund? Some people may say, "Woah, that is too much risk".

So we split it. For e.g. if we are investing in a global fund, we may split it RM50K into the CIMB Global Titans Fund and RM50K into Eastspring Global Leaders. The total is RM100K which is our targeted allocation for global fund. The balance RM300K we may divide into other geographical funds in the same manner.

Some may say that even the above is too high risk. So for global funds, they may split it 3 ways into CIMB Global Titans, Eastspring Global Leaders and Aberdeen.

My 2 cents view as usual....

This post has been edited by Vanguard 2015: Jan 4 2017, 06:18 PM

Note to self: To continue practising asset allocation with equity and bond funds.

For those with a small gambling portfolio like me...

1. Gold is up. RHB Gold Fund?
2. Asian High Yield Bond Fund?

KLCI is going up. Those investors who has stayed on with KGF and EISC will reap the benefit now.

TA European Equity Fund is rising. Not to late to jump on the bandwagon now?

CIMB Global Titans and Eastspring Global Leaders are rising. They offer better risk adjusted return compared to pure US funds?

Better not buy bro, unless you are really feeling lucky. The roller coaster ride is quite bad.

Better stick to CIMB Global Titans, Eastspring Global Leaders, TA Global Technology or TA European Equity if you must.

Trend trading? Tons of books on this subject. It is either genuine investing strategy or hog wash.

I did a 2nd tranche lump sum investment today for TA European Equity Fund, TA Global Technology, Eastspring Global Leaders Fund and Eastspring Emerging Markets Fund.

Come on Trump. Don't disappoint me and get impeached for no good reason.

Of course. It happened before to the former President, Bill Clinton.


No-lah. This is just my own conspiracy theory. No substance.

Unless it can be proven that Trump knew during the US presidential election campaign that Russia was going to launch cyber attacks to hack the e-mails of Hillary Clinton. Then Trump would be in real trouble.

I am currently underweight in US, global funds and Europe. Thus my decision to top up. I am not chasing hot funds or doing trend trading. I don't have the expertise for that. Just diversifying.

I can't predict the future. See how in 3 months' time bro If they perform, I will take the excess profits. If they fall, I will top up.

Sure thing. But I can only do it next week. Too many transactions this week especially in my gambling portfolio.

For your reading interest. Most of the investors should have this already.

What And Where To Invest 2017 Key Takeaways





Attached File(s)
 What_and_Where_to_Invest_2017_Key_Theme.pdf ( 336.8k ) Number of downloads: 51

Sis, I am even worse than you. My main portfolio has about 15 funds. I expanded it again this year. I am definitely taking the concept of asset allocation to a different level.

On a different issue, the best performing fund in my portfolios remain EISC at 17.20% profit and KGF at 17.84% profit after holding them for 2 years with periodic profit taking and top up.