17.8% cash.. Wew..
Money sitting at the bank..

Up to you. For me, I split my US and asia pacific equally about 20% each.

AP REITS + US infrastructure (wanted to go with US REITS then read xuzen comment about infrastructure and what do you know it beat US REITS in term of return and risk) + Asia HY bond = 30%

The balanced India, china, JP, AU, Tech = 30%.

I will be using turtle investor strategy + a little tweak (see my tweak above).
http://www.turtleinvestor.net/asset-allocation/

That's for my SG part (since I have access to more funds)

This post has been edited by Ramjade: Mar 5 2017, 05:00 PM

Still the same for this year?

This post has been edited by chyz66: Mar 5 2017, 05:11 PM

It seems like it was selling its chinese holdings

FFS 201611

FFS 201612

FFS 201701

This post has been edited by AIYH: Mar 5 2017, 05:38 PM

My latest portfolio summary doesn't show much allocation to China though. The portfolio is concentrated in US and Malaysia with underweight in other countries. Thanks. I shall double check later.

Mind telling more reg Turtle Strategy? I have read the Turtle Investor book before but can't really recall the gist now.
The one which left a deep impact in me was The Passive Investor. Lol.

Basically you buy 4 funds. Market up or down you can sleep well.
- World fund but as xuzen said better to buy US.
- A local fund (since he is singaporean so he buy STI)
- Local bond
- REITS

This post has been edited by Ramjade: Mar 5 2017, 07:14 PM

It's almost the same as an ordinary portfolio? Except some people don't invest in REIT.

Yes friend.

He uses ETF so cost wise cheaper as you need to pay brokerage only. If your fund can beat the undex, better to go the fund way.

The REIT is just alternative. You can check out bogglehead 3 fund. He uses bogglehead 4 funds.

Topup of this month

Rm250 to TA GTF, India, Selina, Ponzi 2.0, AIF

Anyone know what is.the cash managment fund for? Issit smtg like fd? And we can use the cash in that fund to invest.into fund of our choice with faster transaction compared to fpx?

It is a money market fund.
It works almost like FD. Its yield is slightly higher than FD.
For most of us, it works like a temporary parking place upon selling our proceed before deploying to new fund if found any.

It's yield may ne higher than 1 month FD but it's not higher than 1 year FD.

Its yield as of last Friday is 3.345%
Standard 1-year FD is 3.1%

I'm referring to standard FD not those special placement, promotional rate or step-up FD.

This post has been edited by David83: Mar 5 2017, 11:32 PM

It's like savings account, just that you need a couple of days to liquidify it.

Perks :
1. convenient and efficient way to buy UTF
2. higher return than your run-of-the-mill savings account

Compare it to saving account is not that right?

Out before Maybank eGIA troopers step in ...

This post has been edited by David83: Mar 5 2017, 11:46 PM

The interest is credited every 6 months or every month?

It doesn't work that way. As I mentioned earlier, it is a money market fund.
You won't gain any till you sell it.

They use Maybank FD as the benchmark. They have no lock-in period, so I consider them like savings account with slightly slower liquidity.

What's the different to treat it as if like FD? In fact, it's much slower than FD.
You need time to liquidate your FD even for eFD.

As for saving account, the standard interest rate is pathetically low.
The liquidity is instant at the point of any withdraw channel.

This post has been edited by David83: Mar 5 2017, 11:49 PM