Affin Hwang PRS Moderate?

This may be going to hurt a lot of the bond funds.

Hi all, I would like to ask if I use EPF to buy fund on Dec 7 , 1pm, will I get the transact price on that day itself?
Thank you..

nope. depend on fund. T+3 days or 5 days

hmmm i think not correct?

if u are buying

1) before the fund cut off time
2) fund business day (not weekend, not fund holiday, not public holiday)

then u should be transact at the placement day's pricing
it is just that your holdings will be appearing and shown after settlement after few business days depend on fund

Thanks for the replies everyone. However, the Fund Selector still doesn't return anything when searching the keywords. Am I doing it wrong?



That's a good point about balancing our own portfolio by investing in pure equities fund alongside pure bond/fi funds. I've since re-evaluated my goals and gone into Affin Hwang World Series - Global Disruptive Innovation Fund, and Affin Hwang Aiiman Asia (ex Japan) Growth Fund. I'm thinking of adding one or two more 'safe' funds, possibly the RHB China Bond Fund and/or Amanahraya Syariah Trust Fund for an 90/10 or 80/20 equities/bonds mix.

An earlier user commented that both the RHB China Bond Fund and the Amanahraya Syariah Trust Fund gave ~10% and ~4% returns which seems abnormally good for bond/FI funds. What are you thoughts? would this 80/20 or 90/10 mix be a decent portfolio?

I'm looking for longer term investments possibly 5 to 10 years where I'll be making periodic deposits. Would the 80/20 portfolio be suitable?

Also when is the right time to sell? Is it safe to stay in a fund for decades/infinitely just topping up periodically without closely monitoring the market? or do we need to keep an eye on the market, and sell at the high, pocket the gains and put the rest into another fund at the low?

In this case, is it ever 'too late' to invest a fund?  for example, tech sector may be overvalued now and those investing now at the high take on more risk as the market may correct. Or maybe investing in a bond fund right before the bonds mature?

Another question, anyone can share their thoughts on diverting a portion of EPF money into a low/med risk approved fund? yes ~6% pa is good, and more fees are incurred when investing in a fund, but at the very least we get to retain some control over our EPF money, and in a way it is hedging against the possibility of EPF funds disappearing in the future because it is being used to shore up the countries financial coffers. Or is this a moot point?

Hopefully US Tech funds will go up 

Tapi jangan China Funds go down pula 

Same thought as you. 
Still no sign for china tech to climb, it's either stagnant or fall at the moment.

Good for you to dca. 

Opportunity time coming soon

China Tech the cliff was happening since May just no one bother just buy into it 

I think msia pretty much f'ed. High covid number, political uncertainty, business not as usual.

Don’t bother because it will keep dropping until 2023

Better off buying dividends stocks like Public Bank instead of you thinking capital growth in Malaysia 

Sorry a bit out of topic. What are the good bluechip dividend stock now? Only have tenaga and TM for now.

hello guys. having some doubt, when we are refering to different share class, for example  ABC fund - SGD hedge, meaning to say we are positive towards SGD currency and the strengthen or SGD ll benefit our investment? or the other way round?

Is this only for Singaporean?

thanks for the clarification.

i m looking to run away from MYR bro. no way with current situation economy gonna do good  in the next 5 years

Is it free if just want to have portfolio visualization? 

Hi all. Hoping to get your thoughts and opinions.

How many funds should one have ideally?

In my case I already have about 9k in 3 funds weighted more or less at my target allocation. That is; 45% Affin Select APAC ex Jap Dividend Fund, 45% Affin Select Asia ex Jap Quantum Fund, 10% Affin Select Bond Fund.

The prob however is that I only have RM100 a month to use for DCA-ing. So I have to choose one fund to contribute to each month. Typically I choose the one that is most underweight from the target allocation however my more volatile funds don’t seem to benefit much from the DCA-ing this way.

Are 3 funds too many in my case? I used to only have 2, just the dividend fund and the bond fund. However I’m trying to increase my average annual rate so I added the quantum fund early this year. 

Any thoughts? Sorry if it’s a noob question though. I am a noob after all.

Yes waiting for the brokerage link

Hopefully with IBKR 

Hello all! i've read through around 20 pages of content and currently interested in diversifying my portfolio into bonds and may need some basic advice.
28 Years old as of now and as of now my investment is mainly 70% in stocks only (SGX, KLCI and US) and 30% in cash savings which is not generating any interest or gains . i do have around 100K USD throughout the 3 markets as of now but i would like to move into a more risk adverse strategy, is diversifying into bond funds a good move?  and what would you recommend me to start with on my research?