QUOTE(Ancient-XinG- @ Dec 13 2017, 09:31 AM)
no one can time market but one can be market sensitive...?
if sensitive enough. like most of the people who exit to secure profit like last month. I wouldn't lost that much. and re enter back.
but this was a good lesson for me at least.
if given the same situation. I will not exit. but put more in. this year shit happen only when I enter a little earlier than it should.
meaning Im not market sensitive......
sob sob
QUOTE(MUM @ Dec 13 2017, 09:36 AM)
market sensitive?
a new alternative word for timing the market with the use of emotion leading the charge?
Maybe he meant being in tune with the market.
How to be in tune with the market and yet ignore all the noise surrounding it?
Use VA investment strategy.
VA (Value averaging) is a bit different from DCA. In VA, the amount to top-up is accordingly to the investment schedule and its shortfall.
The important thing about any strategy is not abandoning it half-way... that means you believed in the strategy and loyal to the fund you selected to invest.
What is a good fund to have that you can trust and stay loyal to it?
A fund that has a good 5 to 10 years track record... see those popular funds with nicknames in page 1.
For example, CIMB-Principal Asia Pacific Dynamic Income Fund
5 Years Annualised ROI +16.70%
1 year return +23.28%
(See MorningStar website for more details.)
Its benchmark is straightforward... a straight line 8% growth.
While its investment strategy (according to its master prospectus) is allocating 70% to 98% into equities, it can also pull out all and "may invest all or a substantial portion of its assets in money market instruments to achieve the Fund’s investment objective in bearish or non-performing equity markets."
In short, it can allocate its assets dynamically... and hopefully in tune with its market.
So, if using VA into this fund:
1. The fund is mandated and allowed the fund manager to keep the fund in tune with the market.
2. VA purchasing keeps you in tune with your fund's volatility, by topping up more when it dips.
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Added...
Please note above fund was taken as a quick example. There are other criterias to determine and select a fund aside from its track record and returns.
Aside from its master propectus, its annual financial report should also be reviewed for its total asset size, and number of unitholders, and how diversified is the fund.
This post has been edited by j.passing.by: Dec 14 2017, 07:04 PM 
Dec 13 2017, 05:23 PM
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