Aren't the whole point of investing by ourselves is to beat or at least match EPF return?

Holding Eastspring Dinasti, Principal AP Dynamic and RHB Asian Income Fund since 4 years ago. Just invested in RHB AI and Principal Greater China in January. So, now not sure to invest in which UT. China funds seem to be like all high now.

Just asking, is TA Global Tech worth to invest now?

how many % do you want this fund to be in your portfolio?
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Holding Eastspring Dinasti, Principal AP Dynamic and RHB Asian Income Fund since 4 years ago. Just invested in RHB AI and Principal Greater China in January. So, now not sure to invest in which UT. China funds seem to be like all high now.

Your existing port already has China... Now you want to add China inside again? Is the current total accumulated % of allocation in china not enough?
Yr port did not hv us, (nasdaq you hv thru rhb AI, what abt ut funds that holds s&p 500 n DJ types of stocks)?

Nope, I wanted to add TA Global Technology fund.
It invested mostly in US, so that’s why my first question was isit good to invest in TA Global Tech now

Thanks for the replies everyone. However, the Fund Selector still doesn't return the intended when searching the keywords. For example, searching for 'disruption', the only funds returns are the RHB - Sustainability ones. Am I doing it wrong?
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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 respectively 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 country's financial coffers. Or is this a moot point?

Bonds under performing. Even lost to money markets in recent months.

I usually do not hold more than 5% of my portfolio in one stock. Yes, I know, many say this is TOTALLY WRONG, but I have a very diversified strategy with stocks around the world and a mix of dividend and growth stocks. My highest position in Pinduoduo (5%), but this is not because I think they are better than Alibaba and Tencent, it is because they have grown 420% already. Originally I bought less stocks from Pinduoduo compared to the two big guns.

Others between 3 and under 5% are in this order:

Taiwan Semi
BYD
Cansino (Chinese Covid 19 vaccine)
Samsung
Tencent
Porsche
Sony
Keysight Technologies
Alibaba
Geely

Actually the portfolio changed a lot the last weeks, because I sold many Covid 19 vaccination companies. So I have loads of cash now, which is also what I prefer. If the market crashes like last February and March I was able to buy like crazy.
Sure. Actually I would recommend not to start at the stock market with less than RM 100´000. Before you reach this number better stick with unit trusts. But be prepared that there will be the time when you want to take your fortune in your hand. Why? The big advantage is that you can do what you want. A unit trust is like a oil tanker, cannot move around quickly. So many interesting stocks are too small for unit trusts. And almost always have to invest 100%, because otherwise in every good year the fund would not beat the index.  When the market crashes it can do nothing except emergency selling at all cost.

If i hold a same fund in 2 different platform with 2 different Buy NAV ( assuming units quantity is the same ) , does it make any impact which 1 to top up?
e.g      Affin Hwang Sel Asia Pac ( Ex Jap ) Bal Fund :
          FSM, buy NAV - 0.652
          Eunit, buy NAV - 0.700

  Any comment ?

So it makes no different which 1 to top up...

Good morning,

Just curious to know do you guys do a daily checking on NAVs from your port?

Do you maintain a record ( eg exel ) to do your daily/weekly/monthly planning ?

rgds.

just wandering which ut funds is good for holding s&p 500 and DJ ?

No need to keep it secret, in 2020 I gained RM 492878.62

But let´s be humble, that was not because I am such a clever boy, that was because of the ideal year that comes every 10 or 15 years and I was at the right time at the right place and prepared. And after many learning years at the stock market I made the right decisions.

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So what I want to share with you, yeah, unit trusts can do a good job for you, nowadays with the classics Ali, Tencent and Taiwan Semi all growing growing growing, even with small money you can take part. But if you want to grab the best occasions of a century at the stock market, you need to do it by yourself. That is the difference between a small sailing boat that can make a turn in a moment and the next turn a moment later, which a oil tanker obviously cannot do.

Hi guys. I see that fsm Singapore has a fee structure that uses an overall platform fee minus the sales charge. Similar to their current fee structure for the bond funds on the fsm Malaysia platform currently. My fear is that eventually the Malaysian platform may adopt a similar fee structure too, considering the bond fund changed from upfront sales charge to platform fee couple years back. This is concerning especially in my case since I plan to invest for the long term (at least 30 years ++). Based on the math an overall platform fee will have major impact on performance compared to one that has an upfront sales charge only (even if it is 5.5%). This is so for investments that exceed 20 years. In my case I would be accumulating for 25 years before having to withdraw funds. Does anyone else feel the same? Would it be better to just DCA into normal upfront sales charge funds. Of course at present there are no platform fees for equity/balanced funds (phew). Just a concern. I guess I’m being quite paranoid about something that has not even happened yet.

Does Nav price matter in unit trust lets say i buy Ark Invest at 0.5000 for RM10000 and the other person buy ARK Invest at 0.7122 for also RM10000 do we get the same amount of share?

Rhbam cio never think of concentrated risk. Seem like bailing out buddy

At midnight drop about 2.5% now its climbing up again

Just checked my managed portfolio, I think they just bought units in RHB i-Global Sustainable Disruptors very recently. No fact sheet as it is very new I guess. Should have similar concern?

https://www.fsmone.com.my/funds/tools/facts...d?fund=MYRII006

Bailout ke ?
Read last para from one of the annual report. Those have interest should enquire to regulator.

Trustee is just to ensure that your units are there and divided properly, net asset value is declared correctly. It also states the trustees already note the exceedingly high allocation towards the MEX bonds which are in violation of the fund manager's mandate. You can't call the cops on this but I suppose some authorities should be looking at this and ensure civil and criminal elements of cbt are not present.

They are more than 3 kawan. Plus now it’s unrated bond, susah mao trade dah. MEX has been downgraded by Marc recently again. Anyhow, exercise care. Sharing the info here for awareness.

High chance cross trade when one fund in trouble due to high redemption another bail it out. So now many rhb funds own mex unrated bonds. So smart of them playing such game.