Ok, this is what I'm taught + what I try to practice

Rebalancing - Say the intended allocation to global/developed market funds is 15%; and at the moment it forms 18% of my portfolio; so I would switch out the excess 3% into other allocation which is currently less than intended allocation, say Malaysia equities and Msia bonds.

For accumulation phase, the 'rebalancing' can be done through VCA; instead of buying various funds using intended allocation; I'd stop buying global/developed market funds and focus on the under performing allocation like MY EQ and MY FI until it goes back to my intended allocation

As to how to tell if a fund is the top pick of the segment - do peer comparison lor. Now I like to use https://iportfolio.com.my/screen
But don't jump ship every month or quarter la; the fund performance tend to fluctuate depending on fund manager's strategy. ponzi 1.0 is a good example; if you look at 3 years returns it's not fantastic; but 5 year and 1 year is quite good
On cari chinese forum the FSM rep say all members are entitled to 1 packet; even the platinum members. And for those people who registered for 14/1 event, there would be a pack in the goodie bag as well

Affin Hwang Select Asia ex Japan Quantum Fund

There are other recommended fund as well, study them before making decision

it is there. i just look through their list just now. try to look again.

I will suggest you not to directly invest into equity funds first without understanding what you invest

Recommend you to put your fund in Affin Hwang Select Bond Fund first , to generate some stable return in fixed income, while spending some time to understand your possible choice of equity fund investment to prevent rash decision that resulted in dismay losses

it does and it looks so great. now, to take you to the other side of the mirror, you willing to lose as much as you potentially earn? can you really stomach that? 10% profit also would mean 10% loss. it's all about how well your stomach can take it. not literally, not so much how much returns you can take.

however, with that being said, we have a wide range of school of thoughts here so go with whichever you find most suitable.

You must also understand the risk of the fund as well

Some funds' having too much risk that dont worth the return

You need to understand more about the performance data as well as their underlying investment philosophy, combined with you understanding on your risk appetite to understand which fund can best make your money work the hardest

You want high return, RHB gold and general have 1 year 62% return, but it can go down 62% as well, are you willing to risk putting your money into this kind of instrument?

For that you need to understand which fund's region or sector have the future or potential to generate the maximum return you are seeking for, that you need to study it

Investing in 1 fund without understanding it, you are at risk in investing in a potential stagnant market that net you miserable return

Yes. That's right. So if Malaysia economy continue to drop further Kenanga die die must continue invest in Malaysia. UP to you to think Malaysia can recover or not or go further down.

Yes

Besides ponzi 1, you may compare and consider other funds which cover similarly such as ponzi 2, GEM and other recommended funds
similar to Malaysia, if the country economy suffer, you have no where to run

If you want to go for single country fund, try set up several funds that represent different countries like china fund, India fund and us fund into one portfolio

shit have you read through page one? it's all in there!  come on now much as we want to help new investors but there's a fine line between spoon feeding and knowledge sharing.

Dividend or no dividend it's not important. Why? A fund can give 10% dividend every year and if the NAV never goes back up, dividend is useless. After dividend, your NAV will drop by the same amount.

Got capital appreciation mah...

There is no difference. It's all about money on paper. Nav increases, you also increase in paper gain. Distribution revested, it's also paper gain. And mathematically they are directly related.

If you want to convert paper gain to real money, just sell part or all the units.

If no distribution, your unit holding doesn't change, but NAV increase means your fund value increase

For example u use rm 1k bought 2k units at NAV 50 sen each

One year later, nav raise to 54 sen, your fund value now worth 2k times 54 sen equals rm 1080, 8% return, this is capital appreciation in mutual funds

Yes. That's true. Which means it's time to topup. If you panic and sell, you will make a loss.
Of course how big is big? If you are talking about eg 2008, all country affected. Cannot run anywhere. In the long term, market will always go up.
If you want to minimize loss, you can have a self cut-off point. Say once a fund make 10% profit, sell it off/just sell the profit. Another one is look at signs of the market. These one I cannot tell as I myself also don't know them.

This is why aside from performance data, you need to understand the market and funds' fundamental to see which fund is good, can still perform despite market down turn and can gain better return over long term to preserve what you gain previously while still gaining potential return

That's why some of the investors are advocating idea of skimming the profit, ie sell the units corresponding to the profit amount and invest it somewhere else.

For me, I think that's is effectively the same as scaling down ( a bit ) the investment on the previously performing funds and thereby reducing the risk, but also mean reducing the possibility of making bigger gain. Can't totally be risk free, a bigger market drop will still wipe out the previous years gain.

I think You can not describe it as anual return, it depend on market, up or down. how mich u earn on paper only, if u did nt sell it.

FD compounding interest if FIXED but got lock in period, Fund is something does not have lock in period.
You can look Fund as a stock Market, but the best things is, u can sell anything u like wihout wait for a buyer.
Dividen from fund is not very mich significant, normally less than 5 % ande NAV drop still take sometime to gain back like previous.
Bond Fund is something more safe with some constant gain over year with minimal risk.

that Why SAT form had give you some idea, what kind of investor u suppose is and what fund u should invest. this is the basic of our own profolio. We are our own MANAGER for the money we invested.

If you can ONLY buy one fund, I suggest either the CIMB Asia Pacific Dynamic Income Fund or the RHB Asian Income Fund.

KGF is also OK but not diversified enough for a single holding.

On that note, KGF is green since Dec 27! The only fund to be green in every single day since then, even in the days KLCI and other local benchmarks were down.

DO NOT CARE ABOUT DIVIDEND IN UNIT TRUST FUND. IT IS A CON!!!

Seriously man. Your net value before and after is exactly the same. It makes zero difference unless you are using the dividend as your income, which is what old people do.

No you don't understand man. What do you mean realise after sell? Dividends don't matter, no matter you sell or you don't sell. Many companies with underperforming funds like Amanah Saham and Public Mutual are conning the public by declaring "good dividends". My own relatives are shocked when I tell them dividends don't mean anything except in the ASNB fixed priced funds.

go take a look at recommended funds and more times than most you won't go wrong from there. the bonds in here are esther teo fund, anita mui bond fund. i might have missed out some others.

Please show the hyperlink. Thank you.

You can stick with 4 funds.
1 Asia Pacific funds/Balanced AP fund
1 US based fund
1 REITS fund
1 bond fund

It does annualized to 8-10% in 5 years

However, thats very volatile as a bond fund
If you decide to follow Ramjade's allocation as below:
I suggest you the following portfolio:

CIMB-Principal Asia Pacific Dynamic Income Fund - MYR / RHB Asian Income Fund
Manulife Investment U.S. Equity Fund / TA Global Technology Fund
AmAsia Pacific REITs - Class B (MYR) / Manulife Investment Asia-Pacific REIT Fund
Affin Hwang Select Bond Fund - MYR /  Libra AsnitaBond Fund

What's there midleading? It's clearly stated on the FSM page equity. If income = bond fund. Even RHB is equity + bond fund = balanced fund.

usual charge is 2%, you get 1%. tell me is there an advantage or not.