The trust fund is not 100% fixed income correct? It is more balanced unit trust?

I am just trying to understand what i am getting into when i buy that fund.

I might be wrong but amincome plus is focussed on short to medium term bonds which has lower risk than longer bond funds. Thus, the performance is above MMF rate in general. I have also look at its fund fact sheet and amincome has well diversified bonds. Amanahraya trust fund not completely fixed income. But looking at its performance over 10 years, this fund has good preservation of value.

Anyway i invested in both. 2nd level emergency fund in amincome and extra cash in amanahraya trust account.

This post has been edited by ChessRook: Apr 16 2021, 04:00 PM

I am just wondering how diversified is BIMB i-growth? Maybe it has concentration on a few stocks and those few stocks are doing very well.

Thanks for the info

I have Affin-Hwang Select Bond fund but that bond fund only have 0.1% exposure to Huarong. not sure what to do, maybe I should leave it alone.

This post has been edited by ChessRook: Apr 26 2021, 01:06 PM

I thought that gold and reits funds have less correlation to equity stock funds. Like bond funds their purpose is for a bit of protection against equity market crashes. I think these funds have a place in your asset allocation portfolio. I am not sure the optimal % allocation of each, though.

This post has been edited by ChessRook: Apr 27 2021, 11:34 AM

This current low yield and uncertain future interest rate environments are giving problems for fixed income funds. I have to weigh in the liquidity (as in 2-5 year FD), currency risk (USD bonds hedge against myr), yield and risk of those bond funds. Maybe investors who are like me have to accept low yield short-term Malaysian bond funds.

Actually, this current environment have forced me to go for more equity than I normally do.

This post has been edited by ChessRook: Apr 27 2021, 11:56 AM

Thanks I will look into this.

I wish what you say is 100% true. I got this two bond funds from R**; R** bond fund and R** Islamic bond fund which has increasing exposure to this Maju Holdings and the MEX project. First in 2019 from Bright Focus bonds, then, 2020 and again 2021 from MEX downgrade. Is it too much to expect UT funds to diversify? My bond funds are causing me more problems than my equity funds

I have since disinvest all my bond holdings from R** bond funds in Mar.

This post has been edited by ChessRook: Apr 28 2021, 03:42 PM

I can understand and accept if the drop is due to market condition. In the current situation, there is an expectation of interest rate increase. Thus, this affects the bond funds.

But i cannot accept a UT that have overconcentration of only a few bonds - pls see this link

https://www.fsmone.com.my/funds/research/ar...=article-search

This post has been edited by ChessRook: Apr 28 2021, 09:56 PM

This post has been edited by ChessRook: Apr 28 2021, 10:22 PM

You can try RHB cash management fund 2. But the transaction to buy is +1 day and to sell is +2 days. And the interest (1.9% pa) is slightly less than versa & stashaway simple (about 2.15%). It is only money market interest after all.

This post has been edited by ChessRook: May 4 2021, 01:20 PM

When do you expect to withdraw? For me, it is 20 years from now. I diversify my portfolio into China, US, India, etc. I try to think long term and don’t worry about the short term problems right now(covid and trade war).

As for tech funds, different sectors will do well depending on the economic phase - see google on sector rotation. For me, i just maintain my tech funds because i find predicting which sector is difficult and i do not want to play catch up. I don’t want to buy when the sector stocks already high and don’t want to sell when the sector has dropped. There is 1.5% fee whenever i buy into new equity funds

This post has been edited by ChessRook: May 4 2021, 11:27 PM

I have Principal global titans fund with focus mainly on US, europe and japan. You can also focus individually on us or europe region. Take a look at

Manulife Investment U.S. Equity Fund
TA European Equity Fund

This post has been edited by ChessRook: May 5 2021, 01:47 AM

If this pattern really exist, i will buy MASSIVE AMOUNT in May and then, sell in June to get massive gains. Unfortunately, i am still a slave wage despite doing this

This post has been edited by ChessRook: May 5 2021, 09:13 PM

FSM webinar on ETF live stream now:

https://youtu.be/w-I5s_vFXw4

This post has been edited by ChessRook: May 8 2021, 09:57 AM

I don’t think any funds in FSM focus specifically on Taiwan. You can try the greater china eg principal or manulife greater china. Both have 20% invested in Taiwan.

Thanks to everyone that highlighted to me. Saved me from pain I got rid of all my RHB islamic bond so the news no longer affect me.

This post has been edited by ChessRook: Jun 18 2021, 05:09 PM