Invest in stock/UT using money that u won't need for at least 2-3 years.
If that money can stay inside market for at least 1 full cycle (10 years) is the best lah.

The important point here is not how long is the full stock market cycle, but the main point here is that stay LONGER in market for AT LEAST the WHOLE cycle.
Anyway, historically, stock market's crash* MOSTLY happens every 10 years***.

* In economic terminology (i studied Engineering, info below are from my side readings),
- crash :>20% drops in relatively short period (around 1 week).
- bearish/recession : >20% drops from the peak, and stays for > 2months
- correction: 10% to 20% drops from the recent peak.

*** Recent market crash events:
- 2008 Global Financial Crisis
- 1997 Asian Financial Crisis
- 1987 October 19: Black Monday
Don't misunderstand...

In long term, market performs as big up-trending sinusoidal wave.

The reason to stay LONGER in market for AT LEAST the WHOLE cycle is:
- if u bought near peak, u can sell near the NEXT peak which u will have chance to meet if stay in the whole cycle. Imagine the up-trending sinusoidal wave....

now you know why I so frustrated le.

every Q charge some more.

Invest in stock/UT using money that u won't need for at least 2-3 years.
If that money can stay inside market for at least 1 full cycle (10 years) is the best lah.

The important point here is not how long is the full stock market cycle, but the main point here is that stay LONGER in market for AT LEAST the WHOLE cycle.
Anyway, historically, stock market's crash* MOSTLY happens every 10 years***.

* In economic terminology (i studied Engineering, info below are from my side readings),
- crash :>20% drops in relatively short period (around 1 week).
- bearish/recession : >20% drops from the peak, and stays for > 2months
- correction: 10% to 20% drops from the recent peak.

*** Recent market crash events:
- 2008 Global Financial Crisis
- 1997 Asian Financial Crisis
- 1987 October 19: Black Monday
Don't misunderstand...

In long term, market performs as big up-trending sinusoidal wave.

The reason to stay LONGER in market for AT LEAST the WHOLE cycle is:
- if u bought near peak, u can sell near the NEXT peak which u will have chance to meet if stay in the whole cycle. Imagine the up-trending sinusoidal wave....

The performance of managed portfolio is not guaranteed, so not need to get angry when it does not perform.

The charges of managed portfolio is black and white written when you bought, so not need to get angry when paying.

But, IF "MoM ROI" reported in the official monthly factsheet is not the real one, or had been modified to lure more investor or to keep existing investor inside the game , then it is quite serious problem... u should get frustrated and get an explanation from them.

MA:  reported -0.5% vs real -1.8%
Agg: reported -0.9% vs real -2.1%

not understand..

The performance of managed portfolio is not guaranteed, so not need to get angry when it does not perform.

The charges of managed portfolio is black and white written when you bought, so not need to get angry when paying.

But, IF "MoM ROI" reported in the official monthly factsheet is not the real one, or had been modified to lure more investor or to keep existing investor inside the game , then it is quite serious problem... u should get frustrated and get an explanation from them.

MA:  reported -0.5% vs real -1.8%
Agg: reported -0.9% vs real -2.1%

not understand..

they aren't honest. I see the month to statement also I boil. say like themselves so saint. only .9 even market bear

i am not understand what u were trying to clarrify?

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The -0.9% is 1 month ROI intable above.
Everyone knows 1M ROI is respect to previous month (31 Jan), not to the original portfolio value.

they aren't honest. I see the month to statement also I boil. say like themselves so saint. only .9 even market bear

it is stated clearly in the factsheet that data used is up till 28 February 2018. although the released date is 8 of march. New investor please do take notes of this discrepancy in the MoM RoI before u signed up.

hi guys..

wanna ask i got a 1% referrel token, anyhow how do i maximize this 1% token ?
eg getting most value out of it ?

That statement is dated 8th March.

The "1 month" is referring to Feb 2018.

calm down and re-calculate see if is still wrong

You do know from statement date to real report,  there's a lagging period right?

it is stated clearly in the factsheet that data used is up till 28 February 2018. although the released date is 8 of march. New investor please do take notes of this discrepancy in the MoM RoI before u signed up.

Only MOM data?.....what abt others like...since inception roi data?

how to max the value?
invest in largest amount at 1 go into the fund(s) that you wanted to have in your port that has lost then most % recently, and that are still fundamentally good as example that has FSM highest star rating and most importantly the fund(s) mandated investment area(s) are within your likings....

but now FSM having promo 0.8% for those major funds for march 2018.. which i already have..

so not so sure what is the "benefit" of the 1%... or how to make the most out of it...

good to know that you had some core funds already....
how about supplementary funds for your portfolio...like India, Japan and tech focused funds or Global funds?

about that, is there any biotech focus funds on FSM ? dont recall seeing any biotech funds