Are funds suitable for everyone?

Investing in funds may not be for everyone. For example, they may not be suitable for you if you:
• Want potentially higher returns BUT are not prepared for variable returns which include the risk of losing a substantial part of the money you invested.
• Do not understand how returns are calculated or are unclear about the factors and scenarios that can affect returns; do not understand a fund’s investment objective, strategy or approach.
• Do not understand the risks associated with the fund. Some funds use financial derivatives to hedge risks and/or to improve performance. Investors should be aware of the risks associated with the use of financial derivatives, including the risk that the provider (or counterparty) of the financial derivatives defaults.
• Are not prepared to have your money tied up for long periods of time. As funds are exposed to market ups and downs, investors who stay invested long enough may be better able to ride out the downturns. For this reason, you should have adequate financial resources so that you won’t have to liquidate your funds during a market down turn if you need the money at short notice. If you need to convert your investments to cash in the short-term to meet specific needs, some funds may not be suitable for you.
• Are not familiar with the fund manager and fund’s track record.

some added info....
Investing in funds may diversify some risks, but cannot eliminate all risks. Be prepared for price fluctuations.
You may face risks unique to that particular fund. For example, a fund investing in emerging markets may be subject to political and legal risks, as well as foreign-exchange risk, so are funds investing solely focused in a single country/sector.
The variety of funds available can be overwhelming. If you invest indiscriminately, you could end up with an assortment of funds that does not match your financial needs.
more about the risk of investing in unit trust.....
http://www.cimb-principal.com.my/Investor_...rust_Funds.aspx

For people that have no skill or experience in investing in Unit trust like may people ...they could opt for managed portfolio either thru FSM or other wealth management services.....else, yes to prevent this scenario...."If they're not careful, their savings could be wiped out virtually overnight if the market crashes"......never use one saving money for investment.....(or any form of investment) money meant for saving should be placed in the banks.....money for Unit trust investment should be money one does not need to touch for a few years...

Differences Between Saving and Investing
Q: What are the differences between saving and investing?
A: Your "savings" are usually put into the safest places or products that allow you access to your money at any time. Examples include savings accounts, checking accounts, and certificates of deposit. At some banks and savings and loan associations your deposits may be insured by the PIDM. But there's a tradeoff for the security and ready availability of these savings methods: your money is paid a low wage as it works for you.
When you "invest," you have a greater chance of losing your money than when you "save." Unlike PIDM-insured deposits, the money you invest in unit trust funds, and other similar investments is not insured. You could lose your "principal," which is the amount you've invested. That’s true even if you purchase your investments through a bank. But when you invest, you also have the opportunity to earn more money than when you save. There is a tradeoff between the higher risk of investing and the potential for greater rewards.

thus one should always know their ownself about the type of risk and return trade off before he/she do anything with his/her money

CMF FAQs...
https://www.fundsupermart.com.my/main/faq/0...ent-Fund-2-9718

you can talk to FSM CIS......tell them to waive the SC if you want to switch out that closing fund to another fund house...maybe then you can get more fund house option

a simple portfolio of EPF approved funds if invested 10 years ago would have made more than EPF returns.....
well, those that are risk adverse would argue that past performance does not necessary be an indicative of future returns or continued returns.....YES, they are correct too.
but to those that do keep invested with that simple port would just said that, the total returns gained over the 10 years would be more than enough to offset the bad returns of some bad years.....YES, they are right too....

just that one need to truly understand and know ..."What You Should Know About Opportunity Costs When Investing"
this article is just hours old and I feel that it is timely....
https://www.fool.sg/2018/04/03/what-you-sho...when-investing/
and they are right in selecting what ever actions they want to do with their money.....it is their money after all.
Not right or wrong, bad or good about investing in PRS or not.......it is their money and their decision......

but at times i think that many are driven to invest in PRS for the incentives and tax relief benefits ONLY.....
it is only when the GOVT stopped giving those...then the true investment behaviour of PRS investors will be seen.



Attached thumbnail(s)

here is it for their ease and convenience...

Tax Savings From PRS Tax Relief
In this week's Idea Of The Week, FSM explain how this PRS tax relief works and the tax savings that individuals save by investing into PRS funds.
https://www.fundsupermart.com.my/main/resea...mber-2013--4029

yes.....depends on the fund,...most of the time they are rated with the sharp ratio or 3 yrs volatility ratio which are provided by the FSM.....(which are based on historical data)

but to many, whom are still not sure what are those....
I found this ......
Understanding Volatility and Sharpe Ratio in Unit Trust Investing
Familiar with the following two jargon in unit trust investing?
http://invest-made-easy.blogspot.my/2013/0...and-sharpe.html

sorry off topic...but just for info....
so just be aware of when wanting to switch to FD to wait for abit of durian runtuh....

https://forum.lowyat.net/topic/4154481/+6700#entry88542073


Attached thumbnail(s)

hope after reading these articles, it may provide some added insights as per what your asked about .....

Trade War Noise Rolls On [6 Apr]
https://www.fundsupermart.com.my/main/resea...-On-6-Apr--9636

Share market volatility - Trump and trade war risks
https://www.fundsupermart.com.my/main/resea...ks-27-Mar--9572

Is Market Overreacting To Trade War Risk?
https://www.fundsupermart.com.my/main/resea...-War-Risk--9585

caveat emptor....

yes, you are not alone in this predicament....
many investors had too in the pass and it will be too in future in their UT funds

fret not,.....we just got not idea of how the mkts will performs in the very short terms....at times, your actions maybe of a good things too.

Malaysia Equity Funds: Same Country, Different Stories
April 11, 2018
In this article, FSM will look at the top and bottom performing equity funds on our platform over 1Q2018.

https://www.fundsupermart.com.my/main/resea...nt-Stories-9650

i always thought that Dividend stocks are good for retirees...can get constant dividend payout in times of BAD times....

looks like the Dividend stocks that this Dividend Funds holds are

if the Fund manager cannot get hold of good dividend stocks...wondering how a normal retirees can

This post has been edited by T231H: Apr 11 2018, 07:28 PM

businessmen mah......probably make the market drops, then buy when low....

can meh?

it is up 6.31% since 4 Apr till 12 Apr
(6 trading days = abt 1% per day)

but 30 Jan till 12 Apr,...still down by 5.75%

go KGF go....keep going till 8 May ?? then punctured?

There are now rumblings of war as US and some of its allies consider military action on Syria for the use of weapons of mass destruction.

As a result, markets have been steadily falling while oil prices have also shot up to 120 USD per barrel. This is not new though. If we look at history, US and its allies has been involved in military action in the Persian Gulf before. This includes the first and second Gulf war. Markets have tended to fall each time in the run up to the military action taking place. However, stock markets have tended to rebound shortly after the military action actually starts.

While this does not mean that this time will definitely be the same, there is at least a historical precedent for it. Furthermore, from a military standpoint, there is no question that the US, with or without its allies would be far more superior to what Syria has. However, even for the US, there may be a reluctance to go to the full extent of land based military action. Thus, it is possible that whatever military action does eventually takes place in Syria might be from long distance air based strikes or missiles launched from the US navy.

The current depressed markets reflect the fear of the unknown. While there is history to refer to, there is always the fear that things may spiral into a much broader conflict which would drag other gulf countries into the war. Syria by itself does not produce or import any significant amount of oil to affect global supply. But its surrounding countries do, and Iran, which is a close ally, may intervene. If any conflict spirals out of control and drags other countries beyond Syria into it, the potential impact on global oil supply and oil prices will be much greater.

However, it is still subject to speculation just what exact course of action US and its allies would take. Given its long involvement in Iraq and Afghanistan, it is likely that US at least initially would be reluctant to commit to a land based military action. Similar reservations from other countries have already resulted in the UK parliament voting against UK being involved this time round.

If the ultimate result is relatively limited military action against Syria (only air strikes involved with no land based military action), I believe markets will soon rebound when these become clear. However, if things get worse, and other countries in the gulf get dragged into the conflict, then the case for a short term rebound will not be so clear cut.

In the meantime, I am personally still holding on to my investments and not making any major changes. Leaving aside the rumblings of war in the Persian Gulf, the fundamentals of the US recovery continue to be strong. Valuations of most of the markets are not demanding either at this point, so I am comfortable to hold my investments and ride out the volatility.

well, the above was penned in 30 Aug 2013 (4 1/2 yrs ago), by Sui Jau in his blog.....
https://secure.fundsupermart.com/main/resea...SJBlog_20130830

I think you must have bought not from FSM.....
if you bought from RHB...can try check their website for details or from the place you bought it....

if you want to use FSM tool to check RHB funds that you had bought from outside of FSM's platform...

can try use this fund return tool (just hope that your fund is under that coverage)
https://www.fundsupermart.com.my/main/fundi...undReturns.svdo

or use the chart center tool
https://www.fundsupermart.com.my/main/fundi...ter_switch.svdo


This post has been edited by T231H: Apr 14 2018, 03:21 PM

if you are targeting to enter Greater China and are timing market crashes in HK/China.....
here are a lists of historical HK mkt crashes since 1960s just for your perusal and observation studies.
Then maybe perhaps change the intervals of 3,5,2 or the cycle 3,8,10?

A number of stock market crashes have occurred in the Hong Kong stock market since the 1960s:
1960s
Stock disaster in 1965 (Canton Trust Bank run)
Stock disaster in 1967 (Hong Kong 1967 Leftist riots)
1970s
Stock disaster in 1973 (1973–74 stock market crash)
1980s
Stock disaster in 1983 (Negotiation deadlock between China and United Kingdom on Transfer of sovereignty over Hong Kong)
Stock disaster in 1987 (Black Monday)
Stock disaster in 1989 (Tiananmen Square protests)
1990s
Bear market from 1997 to 1998 (Asian financial crisis)
2000s
Stock disaster in 2000 (Dot-com bubble)
Stock disaster in 2003 (SARS crisis)
Stock disaster in 2007, 2008, 2009 (Great Recession)
2010s
Stock disaster in 2011 (United States debt-ceiling crisis of 2011)
Stock disaster in 2015, 2016 (2015–16 Chinese stock market turbulence) and (United Kingdom European Union membership referendum, 2016)

https://en.wikipedia.org/wiki/Stock_market_...es_in_Hong_Kong

goto
https://www.fundsupermart.com.my/fsm/manage...fo/introduction

click at PORTFOLIO MATERIALS....
select and click on either Factsheet or monthly commentary

what a timely article that i just found on this risk diversification...

Do You Really Understand Risk Diversification?
FSM HK Published on 13 Apr 2018
https://secure.fundsupermart.com.hk/fsm/art...ification-14649

just do note that ,..i have to read a few times to just get an idea of what it said...

if I am not mistaken, those funds that are available in FSM are not focused in Vietnam,...some may only have abit of % in there.

you may want to try this.....have to contact them HL for details

HONG LEONG VIETNAM FUND
http://www.hlam.com.my/getattachment/2b7ef...ng-Vietnam-Fund

Hong Leong Vietnam Strategic Fund
http://www.hlam.com.my/News-Admin/20100331...-strategic-fund

General Election 14: The Possible Outcomes And Impacts April 20, 2018
In this article, FSM would like to discuss what would be the impacts arising from a different election result.
https://www.fundsupermart.com.my/main/resea...d-Impacts--9680

to stay invested or bail out?? the choice is yours....