The Feds will CLAMP whatever rises appearing in the US indices and what confidence the US mkts has. Observe closely !

aggressive managed port -8.5%
own diy port -5%
PRS -4%

Since nobody answered, I will take a stab at your question. However, I must warn that I am just a novice. Hopefully, other sifus can correct me if I am wrong.

Pro's
No annual management fee (vs. bond funds' 1% typical).
Assuming no default, full refund of capital on call date
Availability of high-yield / unrated bond (vs. local bond funds' typical better than BBB rated, but lower yield )

Con's
One-time 0.5% processing fee (vs. 0% sales charge for bond funds on FSM)
Concentration risk
You'll need to judge the bond's creditworthiness / default risk
High minimum amount (>=RM10k for Bond Express)

Two problems specific to this EcoWorld bond are:
No step-up coupon if the issuer doesn't redeem on the call date
No guarantor ( unlike 1MDB which is guaranteed by both IPIC and gomen)

This post has been edited by biastee: Nov 3 2018, 08:11 PM

there is also bond to consider.

Kenanga Investment Bank Berhad
KNKIB 6.400% 18Sep2028 Corp (MYR)

i think property bond is a bit risky .... compare to investment bank

if you want lesser risk, there is also another nice one.

CIMB Group Holdings Bhd
CIMBMK 5.800% Perpetual Corp (MYR)


This post has been edited by john123x: Nov 4 2018, 10:36 PM

Time for epf incestment..

Should add in KGF or Ponzi2 or CIMB Grester China ah?

unknown to when China would "appreciates" it yuan.....
unknown to when M'sia would be "tiger" again.....
I would pick Ponzi 2.0 for a more moderate approach...

Thanks for your input

Malaysia & China is kinda "unstable"..
One is U Turn king policy.. Another ego veli high

topped up to take advantage of the promo 0.5

how is everyone?

My port is at -8% consist of:-
ManuIndia-13%
Ponzi 2-37%
TAtech-15%
Eastspring gem -35%

Fully redeem Kenanga Bond Fund after my son was born this year and move them to AS1M (ADAM50) and also SSPN for tax relief.

10 years ago I don't even save/invest. Well, I've never been through a bear market but so far so good.

Main goal now is to keep getting more active income from different sources and honestly I'm still novice in investing.

which one did you choose to top up ?
think its non-malaysian fund...

Private Retirement Scheme (PRS) Campaign 2018

Receive a pair of free GSC Dolby Atmos Movie e-vouchers when you invest a minimum amount of RM3,000 in one PRS fund in a single transaction.

anyone top up already for this ?

Sticking to my strategy, i topped up all. Including kenanga growth fund. Why not msia fund? Budget announced, i think less volatile already..

me topping as well, but jz half of my bullet amid us china meeting this month
*hopping talks about stopping the trade war

your funds all -ve more than 8% how do u get an overall -ve 8% =0

looks like it is the funds allocation in relation to the port in %....
if you adds up 13+37+15+35=100

For PRS...is the best bet still with CIMB ex Japan - Class C?

"best bet" in terms of shortest time it takes for the NAV to rise in the next 3 months?
"best bet" in terms of the lower volatility in the next 3 months?
"best bet" in terms of chances of making some money in the next 3 months?
or .... please elaborate your terms for "best bet"

lets say I don't really need gov give Mia 1k.

what you guys think about PRS.

Is RSP better than PRS?

PRS still got tax relief on top of the 1k youth incentive.