See not so hard now kan. Don't know why people go into lengthy arguments and I notice it's weird when a new guy comes in and says I'm very new in investing but suddenly explodes into an seasoned veteran in investing.

So you guys remember a new guy last year who caused an issue

There will always be a black sheep sneaking in, that doesn't mean we should be suspicious of all newbies. If i was stupid enough to follow the black sheep's "story" and bought high, then it's my own fault - thus i should learn from it.

Anyhow.. the NAV of unit trusts/mutual funds aren't "bid/chased up" like stocks la. The worst a black sheep can do is to help the fund house to sell the units je

Yeah it does to see what is the methodologies of everyone in terms of fixed income funds now that we face an future that our bond funds are affected.

As for the discussions up above I am very suspicious of new guys coming in beating their chest and sprouting their stuff when there's a motive behind it.

Now I recall a guy who keeps harping on IDS saying oh it's the best fund to cash in. Do it now. So when it went up, he disappeared and the fund tanked. I know one must take things here with a pinch of salt but guys like that especially in stock markets should be crucified

People have never seen a 20-30% drop before. So 5% consider big sales lo.

Few days ago, some said want get out from HK and China market.

Now you want to enter? voyage23

since that FSM tabulation is till 25 July 2019.....
if the YTD is a lot much lower,...then maybe that fund will not be in that list.

Nah. I already entered for my PRS. If it drop some more than my PRS entry PRS,  topup my UT instead.
Expect another blood bath in December as Trump delay will not be a delay anymore come 15/12/2019

i sense opportunity. thats why wanna topup after they bleed 

Guys what are you buying now?

Sold some stuff, now cash sitting in CMF waiting for the next undervalue unit trust.

Sitting on some cash as well, going to pick up CIMB PRS this month though

Same.. sitting on cash in CMF as well. Not knowing where to deploy as everything has gone up quite a bit.. Initial plan was to continue DCA into CIMB Greater China

Anything good to DCA nowadays? Already have CIMB Principle dynamic income

Which China find do you invest in?

Good eye! So I think best i elaborate on how i selected my funds.

I'm quite clear on the mantra, "past performance is not indicative of future results". however, i selected all my funds based on how they did in the past. just shortlist the group I want (say REITS) then one by one check the historical performance of all the REITS fund and pick the 'best'.

I did go see their "FSM Recommended Funds" but i sked they got some kind of commission for recommending them so I decided to select my own funds. Anyway here they are:

International Fund: The largest portion of my investment would be in here. I am looking for a fund that invests in large cap companies on a global scale. Highly diversified (coz global) and safe-ish (coz large cap). Result: United Global Equity.

China Fund: Want a fund that invests China (including Hong Kong, Taiwan & Macau) since United Global Equity underweights China. I think China still has a bit of wiggle room to grow. Result: Principal Greater China Equity.

Sector-Specific Fund (REITS): I don't intend to invest in real estate property for rental returns but don't want to miss out on any gain in the real estate sector. So I thought REITS would be a good option. I also see the above funds carry very little REITS in their portfolio anyway. Result: Manulife Investment APAC REIT.

Sector-Specific Fund (Tech): Based on my good results in Public Lifestyle & Technology, I thought of continuing my bet in the tech sector. Result: TA Global Tech.

ASEAN Fund: I was actually content with just the 4x funds above but I realised I'd be a horrible patriot if I don't allocate some funds into the Malaysian market. See, I didn't have good experience with Public Strategic Small Cap & Kenanga Growth Fund in the past partly because I invested between 2017 - 2019 which is when the KLCI was badly lagging compared to the international markets. But then, I remember I did quite well with Public Singapore Equity. After thinking through, I decided to pick a fund that had a broader regional coverage than just Malaysia. So an ASEAN fund it is. Result: United ASEAN Discovery.

P/S: I made my picks in Jan-20 and for the next 3 months, it was quite cool to see that Principal Greater China (Feb-20), Manulife APAC REIT (Mar-20), TA Global Tech (Apr-20) got selected as "FSMONE Fund Choice of the Month", haha.
good question. i actually already have my emergency allocated in the RHB Cash Management Fund (also in FSM). Didn't bother to report it because it's as boring as reporting on Fixed Deposit. i guess you could say my emergency fund is the Fixed Income portion of my investments.

everything else, i dump into equity.