yes, i am investing in UT by the use of forming a portfolio of UT funds.
yes, i do start with copying some portfolio,...but it had been 80% changed over the years as it had to adapt to my own risk appetite, risk capacity and emotional encounters that continued to evolves over the years.

This post has been edited by yklooi: Feb 15 2021, 02:35 PM

this 2 RHB funds are much better than some of the funds in my portfolio...

This post has been edited by yklooi: Feb 16 2021, 12:01 PM


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found this article published 16 years ago...

When To Take Profits?
When should an investor consider taking profits? This article sheds light.
Mah Ching Cheng| Published on 11 Nov 2005
https://secure.fundsupermart.com/fsm/articl...to-take-profits

i posted this previously and a forummer asked where to get the valuation data now....
now it had been simplified by FSM...last time FSM did publish the valuation data monthly together with the Star Rating matrix,....now they did not publish the valuation data but only the Star rating.
i think if really want, maybe , just maybe can get from FSM CIS....

or this article from Public mutual...
A Sensible Approach on When to Redeem your Funds
There is no lack of advice on why and when we should buy unit trusts. However, when it comes to selling or redeeming them, getting the right timing and the reasons for doing so may prove to be a difficult task.
https://www.publicmutual.com.my/Menu/Learni...deem-your-Funds

regarding this taking profits...."IF", just to satisfy the personal emotional aspect of it, then my take is

if you invest RM10000,...now has RM11000, thus profit RM1000
if you take out the profit RM1000 and left with the initial sum of RM10000 in the investment
if there is a crash of 20%, your investment will be left with (RM10000 - 20%) RM8000 + RM1000 you took out earlier = RM9000

if you invest RM10000, ....now has RM11000, thus profit RM1000
if you leave it there, do nothing....
if there is a crash of 20%, your investment value will be left with (RM11000 - 20%) RM8800

the variance between taking out and just leave it there is RM 200.

hopefully this article can help in some way...

PICKING A UNIT TRUST THAT SUITS YOUR PORTFOLIO
How should investors go about when selecting a unit trust for their investment needs?
By following these few simple steps the selection process may be a lot simpler than you think.
https://affinhwangam.com/insights/investing...-your-portfolio

while waiting for value added responses....
i got this from the net

you asked: "is it normal that my portfolio's ROI is lower than TWR?"
If you timed your investing well (bought low / sold high), your ROI will be higher than the TWR. Conversely, if you timed your cash flows badly, your ROI will be lower than your TWR.

https://www.fundmanagersoftware.com/help/yields.html

from this
https://www.fsmone.com.my/funds/research/ar...=false&isRcms=N




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from FSM site....
Your fixed income solution is here
Start Investing in Bonds with as low as MYR 1,000.
https://www.fsmone.com.my/bonds

if i were you, i would not want to focus on just 1 fund.

try explore the portfolio or back track it if have a bit more diversified portfolio option
try at equal composition
Eastspring Investments Dinasti Equity Fund
Affin Hwang Select Asia (Ex Japan) Quantum Fund - MYR
TA Global tech....

my guestimate, the result should be better or on par with your just 1 fund portfolio at a 5 yrs or 10 yrs past performance standings

if all things being equal,....how much will this extra 10~11% impact the ROI of your portfolio?
if and assumes, US will gives a ROI of 20% while MY is only 5%, the variance is 15%....
if the % of increase in allocation is 10% of the port and the ROI variance is 15%,...then can it be assumed that the impact on the port's ROI is only 1.5% different between moving and not moving the 10% to US?
only "IF", who knows how it will goes 12 months down the road, thus no right or wrong,...just individual's preferences and likings....

This post has been edited by yklooi: Feb 22 2021, 05:09 PM


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because of that (above)
and this previous posting, "I still believed in MY stocks tho, just more bullish on US stocks, esp the growing tech sectors."

why still want to hold 15% in MY?

Do you mean for example,...
If, You currently had 10k taken out and had been investing in epf-mis scheme some time back.
And if your current epf balance is 80k n i-sinar can take out 10% (8k)....
You want to return the 10k into epf so that the balance will be 90k and you can take out 9k instead of 8k?...

Unknown to the actual numbers, thus examples are only "if" value....

This post has been edited by yklooi: Feb 23 2021, 11:23 AM

assumption/guesses/if scenario....from past performances

just for a possible of 10~15% upside,...i would place my money on CHINA more than GOLD


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noted...
it could be your preference for a little bit of satisfaction of having diversification...not so much for the impact on ROI

just a note:....
from the recent high on 9 Feb till 22 Feb....
Affin Hwang World Series - Global Disruptive Innovation Fund - MYR Hedged, has dropped 6.7%.

maybe suitable for those wanted to get in, can start to pay a little attention to it

Since when to when?

<2% of my port is in Amanah Shariah Trust Fd....will continue to sleep over it.

here is mine....
did not make drastic changes during Mar period....
for by the time it hits,...too late already...
for by the time it hits,....too happy for awhile that i was heavy in FI
for by the time it recovers,...too late to make changes as was too late to react as the EQ price had gone up and also was expecting it to drops again.

but through the whole year,..did not impact my emotion much ...
except some times... (just to myself)...."Should" have gone heavy in EQ from mid April...
well, if only i knew then


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yes,....mkts still high,...

still looking for tonite drops....then will see this weekend, if my guts can convince me to place some betting money into China and Tech fund for a 2 months placement....

currently planning to put in 5% of the value of my port that can be called up from my cash a/c & CMF...fastest method to buy in on Monday for this 2 months betting
then reducing 25% of Nomura to Cash a/c...may takes few days to be in Cash a/c for standby

well that is just my planning till now.....as i see 2 months is enough for mkts to normallise as this "discount" period is not due to Govt policy changes or war drum rhetotic.

i will only concern about it if i am holding AMbank shares