haha true , true ... but i also take ya'll advise that we need to understand what we are investing in and the risk.

I supposed we can't really see defaults in good time. But fund managers can play trick too.

Yes, understand the risks so that when things go wrong, u have to accept that there are risks and that u have understood and accepted them in return for higher potential returns.

In layman terms...

If u bought something at RM1.00 and expected it to give u back RM1.50, in the same manner u have to accept that it can also go down to RM0.50. Just to say.

Of course ideally u want to invest in something at RM1.00, hoping it to go RM1.50, which in a worst case scenario will only end up at RM0.80 i.e. potential returns>potential losses

There is no free food.

Else everyone would pawn their belongings and invest all i.e. sai-lang

This post has been edited by Pink Spider: Feb 25 2017, 10:44 AM

if you look at dec till now, kenanga growth fund is charging up like a race horse. What's up with that? anyone still buying malaysian equitiy fund lately ? looks like on a path of recovery if oil stays above 60 usd

Oil is not going above USD55. USD55 is the resistance. As oil price keep going up, more shale operator comes online, more oil being produced, price of oil will drop.

Yeah. It keep going up. Already 5.x% for me. Will take profit and withdraw everything when it hits 10% as I don't believed the fund can exceed 10%. Asia pacific maybe can. My cut off for asia pacific 15%

This post has been edited by Ramjade: Feb 25 2017, 10:49 AM

KLCI as a whole may have limited upside but bear in mind that KGF is an ACTIVELY MANAGED FUND, i.e. the fund manager can switch from 1 stock to another as they see fit.

It is perfectly possible and doable to beat KLCI, I've been doing that for years already.

seems like this sentence does not compute.....
when you are now at 5.x%, the others may already at 25%.....
when your hits 10%, the others may be hitting 30%......
their are already exceeded 10%, which you said you don't think it cannot exceed 10%

That I know. But if malaysian economy become worse, KGF also cannot be spared.

Unless it's a global meltdown, there is always opportunity to make money, even in a bear market

was at a talk by EI Mr Chen last nite ....

he said,
Asia pac is a good area to focus more allocation in the next 3 yrs (maybe that is why he is promoting that those funds)
M'sia is stabilising after 2 yrs of negative environment.
(can hv some growth)....in which Small cap segment is a better bet b'cos the valuation is still lower
he is also seeing improved oil, export figures and CPO prices....which is good for m'sia.

short term immediate concerns is the large chuck of MSC maturing this month and next month (>RM10Bil)
the this month one matured without much incidents,...if next month one also then it is a good sign.

he also showed data that businesses are just paying (booked) the MYR to USD at 2% more till end 2017......which mean businesses are just expecting RM to at worst is just depreciating 2% more (if nothing bad or black swan occurs)...well that is businesses decisions forecast.

This post has been edited by yklooi: Feb 25 2017, 11:18 AM

Anybody asked about China specifically ?

did not directly....i think he said, China is the growth area, hopefully US did not come kacau, which he think Trump is a business man will just mind his own business unless some other countries willing to pay him to act outside the benefits of US

he said most Asia pac eq funds are just following the MSCI index allocation for China, hk, etc...
is investors are just not comfortable with fixed China allocation......can try their Target Return fund...which does not follow any MSCI index allocation.....for the FM, they just follow the expected target returns of 8% pa...thus they would not go to heavy on volatile mkts

one of them mentioned that, EIGLfd not focused directly investing in Global Leaders, BUT global companies that are rejuvenating and innovating...

when mentioning about the bleaker prospects of investing in M'sia.....he said some funds have holding in companies that do business in overseas not just M'sia.....thus when M'sia mkts are BAD, it does not mean all M'sia focused UTs are bad too.....for some of their holdings are exporting products to overseas like US, EM and countries that are in better shape than M'sia economically.

so M'sia economy is bad, not all M'sia focused UT are bad too.
you just need to see their holdings too.

(he = MR chen + team member)

This post has been edited by yklooi: Feb 25 2017, 11:45 AM

I have put RHB EMB under my spotlight since Q4Yr2016. I have been observing it for sometime, but never participated in it. I will now, I am planning to do DCA on it, MYR 2.5K every fortnight until I hit an allocation of MYR50K. Will be trimming profit from my India and US exposure and putting them in RHB EMB.

*** Recall my pony express strategy***

With regards to RHB ATR, I will forgo this in lieu of RHB AIF.

That is why I seldom comment on the noobs portfolio. It is not wise to say anything because we totally do not know their background, their needs, their risk profile and their circumstances. A noob could be a 60 y/o recent retiree or a 23 y/o just graduated kid taking his / her first paycheque. The diversity is just too great.

I left KGF completely in Qtr1Yr2016. Algozen™ prompted me to exit KGF then. Have not gone back to it since.

Xuzen

This post has been edited by xuzen: Feb 25 2017, 11:56 AM

Encik Bola Kristal xuzen janganlah panggil diorang noob macam tu...tak manis dengar nya

What a coincidence. I am now beginning to like his Eastspring Asia Select Income fund.

Xuzen

Lousy fund. Hwang Select Income better

Noted. AHAM SIF is not in the approved KWSP-MIS list. My eastspring portion is mainly for KWSP-MIS.

Xuzen

Yup true. I also don't comment other ppl fund. They have their own choice and reason for selecting the fund. Who to say u or me r better than them.

Hi, all sifus..

my humble 10 months old holdings:

EISCF 34.6% +6.06
KGF 35.5% +8.74
RHBATRF 29.4% +5.56

Start hunting for more balance fund
Plan to DCA but no money @@ Living expenses so high nowadays...

This post has been edited by [Ancient]-XinG-: Feb 25 2017, 01:12 PM

60% fi, 20% china (h share?), 20% india