I am writing this not to disparage FSM material, but my Lic Fin Planner also just shared some market outlook with me. He said he just attended also a conference for Financial Planner.

1) Market sentiment memang is bullish esp East Asia region. The simple reason is low PE. When low PE, smart money will naturally flow in to take advantage of the potential upside.

2) He is cautiously bearish on Malaysia. Despite the noise, the fundamental outlook on Malaysia is weak and the main cause is due to the massive external debt faced by this country. He further alluded to the fact that for the first time, the forex reserve has dropped below the external debt level. In lay man term, on your bank account you got MYR 100K, but you owe bank MYR 120K.

3) He is also said fund managers are bullish on REITS, but not M-REITS.

4) On US and India, the call is neutral with more downside risk than upside risk because PE is above historical high. What goes up, must eventually come down. If you have India or US, can start taking profit liao. If you do not have either, can give it a miss. You missed the boat already.

5) Watch out for Indonesia, she is the next boom.

Xuzen

Algozen™ does not approve of single Indon UTF yet. It is under my radar so far, but no buy signal yet.

At this moment for if want to get Indon exposure, is via Ponzi two (3% exposure) or CIMB China-India-Indon UTF (31% exposure).

Xuzen

RHB + small cap + U-Li, remember boh?

Xuzen

not ok! Lau Sai fund! Suxs fund! Go to Holland fund!

if betul-betul must buy Bolehland because you are patroitic and "I PM" type... then there can only be one:

Lee Sook Yee UTF!

Once upon a time a little boy named Xuzen Jr also used one year data to make decision for his unit trust investment.

Little Xuzen Jr, see China was doing great and hence he also sai-lang into China fund. China tank, he got burned. Xuzen Jr is now wiser, become Xuzen Sr.

To use one year data is risky....

Use three years data for better sleep at night!

Xuzen Jr Sr

p/s Unless you are feelin' lucky, punk....

This post has been edited by xuzen: Apr 11 2017, 10:56 AM

RHB Growth Opportunities Fund in terms of risk-reward ratio = Super suxs, Go Holland, lau-sai. I boh hiu this UTF.

Stick with Ponzi Two for a good night sleep.

Xuzen.

p/s Now, you guys will say, what the F3ck! Why this Xuzen so boring wan? His recommended UTF so limited only. Why ar? Because:

I am here to make money, not play Pokémon Go: Gotta catch em' all!

Five, if include cash management fund then it is six. India, US, REITs, Asia Balanced fund, Bond and one cash fund.

Xuzen

Again, despite saying all the time, UTF is not a good tool for speculation, many still think otherwise. I am not saying speculation is no good, all I am saying is UTF is not a good tool for speculation. If you want speculation, play penny stock or warrants.

Xuzen

You are using a leading question tactic. It is a loaded question. Nonetheless to satsify you, I shall answer you.

The current FM of Interpac was formerly the FM of RHB Smart Series.

If you recall, I have never made a buy call for RHB Smart Series nor the RHB local equity. I did however, have been consistently saying KGF is my preferred proxy for Malaysia exposure.

Therefore, my stance is consistent, that is, I do not make a buy call on RHB Smart Series and by extension a preference for that UTF's FM and by extension the Interpac UTF.

Let's say the FM can turn the Interpac UTF around and start making money consistently, I'll definitely consider it. But the caveat is: "Show me the money!"

Xuzen

No, it is not a dysentery UTF.

For China specific fund, she is the top. How much you want to put in?

Xuzen

Darn it! No wonder it look so familiar. I ingat you copy cat me somemore!

I have increased my allocation to Selina's and Esther's UTF.

The rest OK.

Xuzen

This post has been edited by xuzen: Apr 12 2017, 06:46 PM

You have ASX FP UTF wor! One fund to rule them all! You winnar 4ever mah! No need to ask wan!

Are you feelin' lucky, Punk?

Xuzen

Stock market fail, try unit trust!

Xuzen

p/s I'll They'll be back!


This post has been edited by xuzen: Apr 14 2017, 10:20 AM

My latest portfolio standing.

Please note my port is currently on the moderate risk profile as I move towards middle age. If you are a young or with aggressive risk profile, you may consider a putting more money in higher risk UTF.

Xuzen

This post has been edited by xuzen: Apr 15 2017, 10:57 AM

With regards to RHB EMB, I entered one month ago with an initial capital outlay of MYR 15K.

I exited last week with a 1.5% profit in one mth period.

Why do I exit?

I see that her volatility is increasing, making the risk to reward going down.

Hence I just sell it and place the proceed with Selina's.

In Selina I trust!

Xuzen

p/s That is the beauty of wrap account, I can masuk-keluar, masuk-keluar without any switching nor sales charge. Hence I can play tactical game with UTF. If you are not using wrap account and using akaun biasa-biasa, then cannot play kejap keluar, kejap masuk style!




This post has been edited by xuzen: Apr 15 2017, 12:36 PM

Let's dissect this matter objectively:

Let's say Mad man number one bombs the residence of mad man number two in North Korea. NK does not have the capability of touching mad man number one's territory. Selina fund do not have exposure in South Korea. It's greatest risk is Japan with a 20% exposure. If NK retaliate, they will probably target Japan after South Korea because Japan is seen as an important ally of madman number one.

Let's assume the worse happens, and NK does bomb Japan and the Nikkei collapse by say 50%, then the drop in Selina would be not more than 10% (worse case scenario). (0.2 x 0.5). Of course market across Asia will pull back in the short term. If that is the case, then top up to take advantage of the short-term drop.

If China were to side with NK and declare war on US, then this is a major event. All prediction are off. Sell all and hide in a cave / CMF.

Xuzen

This post has been edited by xuzen: Apr 15 2017, 12:48 PM

Is an account available through licensed financial planner only.

Xuzen

Ngom ngom chom chom... popcorn royale on my right hand, super duper supersize coke (extra sugar) on my left!

Xuzen