just for thought...

you are not sailang all into it...
have some to catch the trend
is the US PE extremely high?
is the US market sentiment weak?
if it fall, will other regions also fall?

the cost of waiting
https://www.fundsupermart.com.my/main/resea...ompounding--160

find 1 day sit down relax, open morning star, lipper, fsm.

find region as core, find some supp. pick around top 20 of your liking. see all details, exposure, prospect....
slim down to top 5 or 6....

as recent research article by fsm, the say some region wayyyy below their fair PE..... Asia Pac, GC.

start build foundation of the portfolio..... but not one lump sump la.

many fundhouses said the volatility to remain toward Q219 (I found it really bullshit la, from Q1 say will last till Q4, now say 19)...

haha....

since now SSPN already raise to 8k.. so now yearly die die also need 11k for tax relief.....

I sold globaltech at +33%. Plan to transfer to something more undervalued.

No, it's not the best way. It can even be a really lousy way.

For Cost Averaging to be profitable, it depends on the average-cost in future to be higher than the average-cost today.

Or put it another way, if you look at the fund performance chart, it should trend upwards over time, given a few up/down blip every now and then, but the general trend should be upwards.

But many funds do not achieve this. Quite a number are negative over time, and others barely keep their head above water, on average. Hence, the common impression that the return is around FD or worse.

When fund agents (and even fund houses) tell you about cost-averaging, they "forgot" to tell you about this particular point - the fund MUST trend upwards over time.

To demonstrate, from the old FSM performance 5-year table, 111 funds are 0-4% returns, and 75 are NEGATIVE returns. Cost averaging is not going to help in these cases.

I haven't come across where the new FSM tables are, but in general, the new website is a backward step.

My portfolio is dragged down by KGF.

Nomura i-Income Fund is an open-end wholesale fund incorporated in Malaysia. The Fund aims to provide regular income. The Fund invests a 30% - 100% of its assets in Shariah compliant deposits, money market instruments and sukuk with a maturity of less than 365 and 0% - 70% in Shariah deposits and sukuk with a maturity income of more than 365 days.

You mean KGF is going to go down even more?

I put in 3,500.00 into KGF last year, but now is -215.84. Should I transfer to other funds too?

My best one is manulife asia pacific reit, currently +19% <3 <3

Can share when is the right time?

so that means the amount invested in those funds still stay?
just some of the profits that had moved to FI?

Bro,... just asking,... since you are quite confident of the above, why don't you buy the REIT directly instead of paying fees via fund mgrs ?

REIT counters at Bursa such AXISREIT, PAVREIT and etc.

Thanks for offering bro.. I will move from bonds to equities. Using credit points...