Sorry I don't understand what are those "investment lingo" in blue....
Mind simplify them?

try this?

Semiconductors: Bright Outlook ....2nd December 2020

The semiconductor industry is climbing out of a cyclical downturn that started in late 2018. World Semiconductor Trade Statistics (WSTS) on 1st December 2020 (US time) forecasts semiconductor sales accelerating to 8.4% growth,
reaching $469 billion in 2021 (https://www.wsts.org/esraCMS/extension/media/f/WST/4820/WSTS_nr-2020_11.pdf).
All product categories are expected to show positive growth rates. Similarly, all regions are expected to grow in 2021

in that same article ...it has named some UT funds...

https://www.eunittrust.com.my/pdf/research/semiconductor.pdf

This post has been edited by yklooi: Feb 4 2021, 01:46 PM

I cannot says if it is wise or not....
But I did moved 10% of it to a tech fund during the last 0% sc promo.
Tis tech fund is just 5% of my port

Are you planning RM20 000 as your final total sum to be invested in this UT portfolio?
how much total combined RSP amount can you do at each RSP schedule

This post has been edited by yklooi: Feb 5 2021, 11:06 PM

on your queries on
1) how do you guys normally decide on which fund to purchase? I get researching the fundamentals etc….but if a fund is too “popular” and also their YTD is increasing a lot; would it be risky? Just like how we might be careful with too expensive stocks?
hope these articles can help provides you with some needed answers ....
Not Sure How To Choose A Fund? Right This Way.
https://secure.fundsupermart.com/fsm/articl...-right-this-way

How to Pick Quality Funds?
https://secure.fundsupermart.com.hk/fsm/art...ity-funds-14724

2) Also, how regular do you guys DCA your unit trust? Monthly?
i think it depends on your goal, the availability of FREE n NOT gonna touch money, your risk appetite on this investment vehicle and the comfort and liking on using and growing your money with UT investment

3) Lastly how often do FSM and Eunit trust have the 0 percent sales charge promo (based on past trends)??
i think from past rough estimation...eunittrust has promo on almost quarterly....but at times only some funds and sometimes have minimum purchase value to get it....(but recently they removed the minimum..hopefully it stays)

for me, i try focus more on what i really want to have in my port than getting them based on the 0% sales charge....as you can see from the image.....the Sales charge impact is just so little with the set investment condition



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Talking about Vietnam fund available in Malaysia...
that Public Vietnam-Global fund is more diluted or watered down Vietnam focused fund as i think the non Vietnam Equities are more.
thus if you allocated 10% of that fund in your port...only some % is considered Vietnam in your port.

if you really want more "Bang" in Vietnam, try go over to FSM SG...can try take a look at Lion Global Vietnam fund...
https://secure.fundsupermart.com/fsm/admin/...sheetLCP007.pdf

not a qualified advisor, just my thinking,....

since you can afford abt 2k per month and since you have emergency cash ...
i would try complete
a) 'HALF" of the allocation of Affinhwang Aiiman and Aberdeen Standard first, ( needed 3.5k, can be done in 1 1/2 mths)
then followed by
b) "HALF" of the allocation of Precious Metal and Arabesq (needed 2k, can be done in 1 month)
then
c) "HALF" of the allocation of Eastspring Dinasti and Maybank Sukuk (needed 2k, can be done in 1 month)
then
d) "HALF" of the allocation of Principal Islamic Asia Pac and Dana Makmur (needed 2k, can be done in 1 month)

then repeat a) to d) and then balance the Amanah Raya (needed 1k, can be done in 1/2 month)

just wondering only,....
Is this RM a qualified advisor that will serves the interest of his/her clients more than his/her own interest like meeting KPI targets set by his/her bank?

On this "The only benefit of my RM was he will tell me if any good fund coming up, or if any of my fund now is good time to exit",
does this RM only promotes new UT funds available from his/her bank? (which could be very limited)

how good is his/her timing of exit?
is the decision made based on meeting your desired set goal or based on the feeling that the market/region/sector that the purchased UT fund are focusing on, at are too pricy now?
(if based on set goal,...i think in FSM there is a function that will auto trigger a notification once the NAV reached your set target)

from your experience with that RM,
mind sharing the RM selected funds and its % of allocation to each of them in relation to your port?

if in FSM, just prepare to pay some tuition fees and may includes some sleepless nights and some emotional roller coaster rides along the way....

thus on this "I think I want to try managing some of them myself now."
and happy learning and UT DIY investing......

just hope that this DIY learning period is not in a Rally or Crash period, else the experience gained during this period will be imprinted in your mindset and unconsciously steer the direction of your future investments with FSM

This post has been edited by yklooi: Feb 7 2021, 10:16 AM

maybe this can shed some light on the impact of your fund balance after 10 yrs at a ROI of 7.5%pa between this 2.

with a variance of about RM900, the question, would you mind giving them abt RM90 per year to manage your RM10000?

This post has been edited by yklooi: Feb 7 2021, 04:07 PM


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mind sharing for each of these stocks you held, how many % does each of them constitute in relation to your investment portfolio?

YES, that is how i see it.....
the benefits of UT investing...beable to hold "expensive" stock with just a little of money

taking below portfolio as an example.....
although as pointed by David Yang that these 4 funds holds almost similar stocks.....BUT due to the % each of them hold and the % allocated in the fund in relation to the overall port....
the % of BIG names stocks that Poooky held in relation to his/her portfolio is much lesser than yours....(see image)

if one were to buy it individually,...i wonder how much will it takes to buy each of them so as to have significant impact to the overall investment portfolio



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without taking the recent Black swans event like 2018 US/CHina Trade war, 2020 Covid19 pandemic and the selected bull runs on some of selected stocks due to it...

here are
FSM List of Most Consistent Performing EPF Funds ......Published on 23 Feb 2018
In this article, FSM share with investors their list of most consistent performing EPF-approved funds on their platform from 2013 to 2017 (5 yrs)
https://www.fsmone.com.my/funds/research/ar...=false&isRcms=N

attached image is inclusive of those events

as in any case, be it BEST/AVERAGE/WORST.....Past performance and any forecast is not necessarily indicative of the future or likely performance of the fund. The value of units and the income from them may fall as well as rise.

This post has been edited by yklooi: Feb 9 2021, 09:33 AM


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are they moving in about the same path for the past 10 years?

but as in any case, their Past performance and any forecast is not necessarily indicative of the future or likely performance of the fund. The value of units and the income from them may fall as well as rise.


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not a qualified advisor....but for this question "Can this UT gain more than 20% if continue to hold...?"
my throw all inclusive of kitchen sink bet is a YES....because there is no TIME limit set

unknown to alot of things under your observation, cannot says you are wrong 100% to all the factors that you observed...
my opinion is that you keep observing and then decide if investing in UT is right for you

now that you had started in FSM....do pay closer observation to it for the emotional roller coaster ride may not suit you and also your luck in timing in exiting and entering
i don't time my entry/exit of funds in my core portfolio....just funds from my "betting" past time port

This post has been edited by yklooi: Feb 9 2021, 10:42 AM

try starts with reviewing recommended funds
https://www.fsmone.com.my/funds/research/recommended-funds

if you want can try Managed portfolio...
use this to see the performance of the portfolio type that suits your risk profile
https://www.fsmone.com.my/managed-portfolio...folio-factsheet

This post has been edited by yklooi: Feb 9 2021, 11:49 AM

are you investing your FUN funds "thru" her?

did you ask her to assist you in the 5 ways to invest wisely to navigate through uncertain market conditions? or you are fully aware of the full kamasutra of it already?
https://www.thestar.com.my/business/busines...rket-conditions




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