When monthly NAV goes down to a relevant point, i buy in to dollar cost averaging.
Q: what is the relevant point? lower than your average cost of unit being currently held?

When it exceeds the average point, i let it ride.
Q: what if the NAVs keeps going up?Does that means no buying in?

I am stock investor (buy and hold for years, mainly the big companies like TNB, maybank, maxis) not stock player.
I look at fundamental in selecting stock, not using any tactics of trading.
So, i have no idea... But, i guess too dangerous to chase for the top performers in any kind of investment.

When an investment is going higher and higher, it is the time to consider to sell, not buy...

In fact, it is not DCA, it is simplied VCA.

Buying when NAV is lower than average buying NAV (dividend adjusted) is working.
But, when you hold the fund >6 months, a GOOD fund won't come back to NAV lower than your average buying price. If not, it is NOT a GOOD fund, it keeps dropping even after 6 months of DCA...

Do you use this at analysing the fundamentals and fair prices for stocks?

Manulife REIT and AHSB continues to slid lower. Not unexpected. Others seem to be recovering nicely now.

actually, stocks selection is easier than ut selection. because all data are accesible.

using apps like stockhunter, then all stocks with high roe, low per, high margin (aka good fundamental) are shown in no time. just choose the best among them.

between, I only buy companies that seems can survive in next 30 years.
i bought 20k tnb using the leftover of my scholarship when I graduated. now, dividend received already more than rhe 20k. stock is for long term investment.

What you are seeing is old news. All s-reit increase in price

So you hunt for Blue Chips.
Would cigar butt strategy work for Malaysian Stocks?

Worked fine for me at IRR 10% since 2007 (before 2008 fin crisis), with very minimal effort.

did anyone receive email from FSM CIS introducing themselves and the service they offer. I received an email from one of their CIS called Sukma Syidi , this is a surprise as I've not received such email in my few years in FSM.

Could it be scam ?

Later ask you to deposit money into some bank account .....

must see the perf of the fund also. Take your example for RHB EMB, you will top up every months and make lost every month.

Hand itch wan try stock liao

Hi all sifus! I'm a new grad who just started working and have been lurking about the forums, waiting for my day to enter the UT market.

Right now I have RM4k in my bank account after excluding my regular spending. Any recommendations, or shud I keep saving up until I have a bigger amount?

Heard there was a dip recently but I think already missed the chance.

i think it is better to built up your emergency fund before doing investment..

Very appropriate username haha.

Forgot to mention that I already have set aside close to RM7K already as my emergency (3k in FD which I consider can use also).

Really just looking at what I can do in terms of UT with 4k.

I think first thing first is looking for the right funds that fits your risk appetite. Go research and select a few funds that you're interested in.

FSM min purchase is RM1k if I'm not mistaken. So you can either select 4 funds, or go for less funds.
Read up more on FSM, they have details on the risk profile of the fund. Take a look at the fund fact sheet before investing.
Another strategy is choose a fund you want, then spread your investment over a few months, to prevent loss due to sudden spikes. (weighted average cost method)/

what can you really do in terms of UT with 4k?
try form a portfolio of funds (I think 4K is enough to form a simple one)
for some tips
Common Portfolio Management Mistakes Made
https://secure.fundsupermart.com/main/resea...?articleNo=4383

and do take note of the above post by "Searingmage"

why not call / write to FSM and ask: "herm, is there any CIS called sukma syidi or not?"

Every member in FSM should have only ONE CIS, who have access to your current UT holding (units, avg price etc).
I feel very insecure/ uneasy if FSM allow too many CIS, as u used "they" in ur post, to have this kind of information loh...

Between, what is the service he provided?

Done a quick check, i compared Manulife REIT with 1 AxJ REIT ETF and SREIT ETF using bloomberg chart.



Manulife REIT seems performs similar with other AxJ REIT ETF.
All of them reach the 6 months lowest point, on 09 Feb and is rebounding.


it is nothing wrong with Manulife REIT, but REIT in overall won't perform superb in interest rising periods.

Actually it depends. If a reit can increase rental to offset increase in rental payment, it will be good. Something which bond can't do.