"the markets can be irrational longer than your holding power"



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Malaysian economy: Fake pace or real pace?

bro - repeat after me.. Asset Allocation.. ohm.. Asset Allocation.. ohm.. Asset Allocation.. ohm..

and Asset Allocation is between equities, fixed income + other stuff, not all just "which country/equity fund"
just in case la, being obvious

I will be with you from dusk till dawn
I will be with you from dusk till dawn
Baby I am right hereeeee

noobs keep panicking for nothing. you can either do these two things now. shift all your assets to fixed income fund or sell down your allocations that are red.

only two ways about it. leave the work to UT managers and don't keep viewing your ports.

oh wait there's the third move... one that most seasoned vets do is to buy in during a storm. pfft.

subscribe to Managed portfolio service is under....... four?

I pity the portfolio manager who will bear the brunt of angry 25 to 35 year olds who just want to see green green green.

That's y im liquidated almost 80% of my share and come here...

er.. shares VS equity funds here?
or shares VS balance funds + bond funds here?

asking coz.. equity funds' held assets are shares / stocks, thus not much difference from me holding a basket of stocks

lol same when you liquidate your stocks and get a hot EQ fund lah this time you paid someone else to do it for you.

for me I treat my entire investment as a portfolio

currently

70% is UT
30% is Stocks

haven't calculate my ultimate emergency reserve which is my property which stands at 700k the lowest to 800k the most st cost price of 500k

meaning if I lose some money in UT or stocks is just 0.5%? so why panic

One shouldn’t take property as the emergency fund as it takes time to liquidate.

not when you are from Kuching and your house is located right smack in the middle of a growing area you won't.

like I said if I lose my leg in an accident, I shouldn't worry about money at all as I can actually live comfortably (as a disabled person) hence why I advise people to look at investments as a global picture not just by a a handful of unit trust funds.

Ever wonder n do a rough simulation using data from asia fincncial crisis to see how much your net worth based on equities investing will be down by % ?
Also during that time.....house prices will also drop.
Wongmungkeong just mentioned something like diversification not just based on equities....
But i guess with yr qualification and income....you can do not need to touch those money and can still ride thru it

This post has been edited by yklooi: Nov 17 2017, 04:21 PM

I am in that kind of ship before. i lose like 40% in that particular fund and the fund never recover after 5 years. So cut the lose and switch elsewhere.

Oh...
It is my first time knowing someone count his property as 'ultimate emergency fund'.

5 year still not recover from the lose. Seem your bought at the most highest nav like past 10 year I did in ta dividen fund..

Yes. That's decade plus ago when i first touch UT . Pay money learn lesson. 😅

Minta last time bought on nav 0.57 drop till 0.26 now include the dividen and reinvest still recover also.. bought rm10k.. now value on 9k.. since 2008 till now.paid for a lesson but now my other investment on ut quit earn a bit since got the rm giving advice ..

lucky you
mind to share when was the last time the RM gave you advise?
what was the UTs recommendation at that time?

2016 that time.. it name is the ta global technology fund and affirm Hwang South Asia balance fund both perform quit good