Ok guys, is this considered diversified enough?

CIMB-PRINCIPAL GLOBAL TITANS FUND
TA EUROPEAN EQUITY FUND
CIMB-PRINCIPAL GREATER CHINA EQUITY FUND
CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND
RHB ASIAN INCOME FUND
AFFIN HWANG SELECT ASIA (EX JAPAN) OPPORTUNITY FUND
EASTSPRING INVESTMENTS SMALL-CAP FUND
KENANGA GROWTH FUND

I don't have a USA fund, was looking at the RHB US Equity Focus Fund but decided to get the European one instead. All of them are equities except the RHB Asian Income Fund which is a balanced fund since I am relatively young and fully understand the concept of risk. But at the same time I just want to be prepared, that should the market take a turn for the worst (be it Malaysian market, or region-specific, or global), I want to be able to switch these funds to Bond or Money Market funds.

Actually I do not use FSM. So I am scared if the people will say I do not have the right to ask questions there.

So generally, when talking about diversifying Unit Trust funds, what is meant? If it meant diversification in terms of geographic locations, or in terms of investment instruments (equity, balanced, fixed income and money market), or in terms of market sectors?

For me currently, due to my high risk appetite, I am going almost all-in on equities. But still, within equities itself, is it possible to diversify, especially based on location, from the funds I have listed above? There are three Asian, one global, one European, one Greater China and two Malaysian equity funds there. Is that "diverse" enough geographically?

Also, all of these are mainly general equity funds focused on the entire sectors of equities, except one Small Cap fund for the Malaysian equity I have. What are common sector-focused equity offerings? Is REIT considered one of them? Or is REIT totally different altogether from equity based UT funds?

Thank you. Will check it out.

My result:

1) This portfolio is very aggressively allocated:

Equity 92.86%
Bond 7.14%

2) This portfolio is well diversified:

Global Equity 21.43%
Asian Equity 50.00%
Domestic Equity 21.43%
Asian Bond 7.14%

So I mean overall is it good to get the above results?

Oh ok. For ROI, it is 5.2% for the past 1 year, 11.8% annualized for the past 5 years. I am trying to look long term and the performances of most of these for this year isn't so good but I believe will recover for the future.

In terms of volatility, it is 8.1% for 1 year and 6.22% for 5 years. 66.7% positive results for 1 year, 76.7% positive returns for 5 years.

Yeah but at the end of the day doing that is just reflective of the past performance, which is not necessarily an indicator of future performance. I can definitely add funds that perform much better in the last 1/3/5 years to improve the past returns of my portfolio, but that just gives it a higher chance of underperforming painfully in the future. I just feel in terms of "returns" I am comfortable with this portfolio, it's only in terms of diversification I wanted to know if it was good.

Thanks for sharing that website btw. Very useful!

I already have Cimb titans listed above. I was thinking more about the RHB US Focus Equity Fund since it is focused on small cap companies and should likely improve next year with Trump. TA Global Tech is a sector fund and seems quite risky.

But I have seen some equity funds performance in 2007-08, they lost half the value! True enough, they gain it back rather quickly...but imagine this scenario.

Re-recession NAV: RM1.50

Recession low point NAV: RM0.75

If you managed to sell at RM1.50 and buy back at RM0.75, you get almost TWICE the units, and then from RM0.75 they will double in value to RM1.50 back again.

Of course you cannot time it to perfection or predict all funds to be like this, but I think there is a potential to make gains. Or maybe this is not how things work?