QUOTE(Streetrat @ Oct 11 2017, 12:14 PM)
Hi guys, i'm a total beginner and would like to ask for some advice. I just started investing in public mutual few months ago with minimum initial investment, but lucky enough before putting in more money i found fundsupermart. I've read about half of this tread and am interested to join in. Heres some questions that i hope you guys can help to answer.
1. How should i diverse my fund if i plan to invest 10k/50k/100k? any different?
2. Should i put in 1 lump sum in different fund, or should i RSP for the DCA? How should i divide my RSP?
3. I understand that in short term, the funds might drop. So is it safe to say that if i plan to invest at least 5 to 10 years, then i wont need to worry about the drop?
4. I remember a story about Xuzen in the first few pages in this tread, can i ask why did xuzen sell the fund when it drop 20%? if xuzen remain with the fund and in a few years time the fund rise back, what will happen then. example. I buy fund A for RM1.2, then drop to RM1, and in few years rise back to RM1.5, is my understanding correct that i have earn Rm0.3?
5. RHB cash management fund 2, from what i understand the profit per annual is around 3.3-3.5 with 0 risk, this fund is something like a bank fixed deposit correct? Is there any fund with minimal risk, give reasonable return and i can take out cash whenever i want without any charges? better then put in FD.
Currently this are the questions that i can think of, i'm sure more questions will come soon after i read more from you guys.
Thank you very much.
1. How should i diverse my fund if i plan to invest 10k/50k/100k? any different?
how to diversify...
https://www.google.com/search?rlz=1C1AOHY_e...1.0.i6gxaqOcGjc2. Should i put in 1 lump sum in different fund, or should i RSP for the DCA? How should i divide my RSP?
Lumpsum or DCA?
https://www.fundsupermart.com.my/main/resea...-Averaging-15263. I understand that in short term, the funds might drop. So is it safe to say that if i plan to invest at least 5 to 10 years, then i wont need to worry about the drop?
try read post#6...there are some links (which did not direct reply to your questions but are useful...hope it helps)
https://forum.lowyat.net/topic/4344627/+0#entry854762094. I remember a story about Xuzen in the first few pages in this tread,
can i ask why did xuzen sell the fund when it drop 20%? if xuzen remain with the fund and in a few years time the fund rise back, what will happen then. example. I buy fund A for RM1.2, then drop to RM1, and in few years rise back to RM1.5, is my understanding correct that i have earn Rm0.3?
xuzen5. RHB cash management fund 2, from what i understand the profit per annual is around 3.3-3.5 with 0 risk, this fund is something like a bank fixed deposit correct? Is there any fund with minimal risk,
give reasonable return and i can take out cash whenever i want without any charges? better then put in FD.
what are reasonable returns?
funds have no guaranteed returns while FD has known rate at maturity...
Do You 'Invest' In Fixed Deposits?
https://www.fundsupermart.com.my/main/resea...?articleNo=1896