RHB top bank? Isn't it Maybank? 

See the correct response below -
So in my case, when I sold the dinasti fund, 1/3rd went into Principal Greater China which was a yay (to illustrate my point that you can find a better alpha and maintain beta), while 2/3rds went into Eastspring Equity income fund which was a nay  . Now why on earth did I do that? I thought, perhaps China will struggle to make it through Trump and his nonsense, hence reduce China allocation but go heavier on chinese tech (Principal greater china was at that time a bit more into tech, while dinasti was more into finance, but it didn't really matter really, had I just kept it there I'd be quite happy today nonetheless).
Next, also thought about allocating back to Malaysia since got Harapan and Guan Eng, we sure fly. This illustrates another point - Malaysia equity has too much political overtones and even undertones, and KLCI as a whole is a bad bad bad tracker. It is almost the same as investing in EPF if you put your money in Malaysia broadbased funds. Needless to say, eventually my Eastspring investment Equity income fund has also been reallocated to other funds. Eventually you start to lose track after 3-4 switches and might as well track the whole portfolio in general.

So, yeah, re-allocation and rebalancing works if you can see the future, which many of us (including myself) cannot. But reallocating during a fund's highs - now that's something I have not done until today. I have only tried reducing the DCA / fresh funds, something I am learning from Stashaway. It hardly ever sells anything during a high, it just switches fresh funds to lower performing assets to maintain a balanced portfolio.

TLDR -I now tend to track my portfolio as a whole, trying to bring it up in XIRR from all cash flows. I think that will give the best overall picture of my own management.

At one time in 2018 I remember dinasti was more heavy in finance, I could be mistaken.
It looks like I switch around often but before 2019 I was actually pretty "convicted"..in a sense that I kept the Dinasti fund for 2 years with dca before finally switching. I kept most of my funds for 2 years with dca. Even had affing hwang Japan fund for 2 years. So, unfortunately when things don't go well it convictedly brings me down too.

try not to worry about small movement. see them as buying opportunity.

Omg what happened today? All china and asia markets down 3 percent plus?!!

I didn't sell anything in UT, I did panic sell some weaker bursa counters (and hung on to a few blue chips). I remember on the first week being extremely hesitant whether to top up or not, whether the market hit a bottom yet, and contemplating whether it was truly the end of my world (as my work was at a complete stop after march and never really recovered even until now): did a little in the end, after that started slowly topping up every two weeks or so, and when china reopened, bought in every few days. With hindsight should have, could have, added much more aggressively, but oh well.

wah amchina a shares bleeding

What are the hidden fees?

Hi Sifus

I’m planning to invest in PRS fund for the tax relief, but looking at most of the funds, the performance seems to be quite poor. Does anyone know of some decent PRS funds?

So far the principal Islamic equity growth seems to be alright-ish

None of MY based brokers will be anywhere cheap compared to IBKR but what you get is piece of mind of easier access to your money if anything were to happen to you especially if you plan to have large amount of money in IBKR.

If I recall correctly, few years back the gov was planning to tax the money transferred back to MY but was eventually shelved due to the many objections. Who knows the rule might be revived again in the near future