You say like tactical fund is bad thing. How so?

haha same for me. Seems to be quite agressive butif he has 2million ringgit in EPF account then no problem. We shall let him updating us whether this strategy will work or not after 5 years. ^^

I think it is difficult to replicate the return because:
a) how many funds are there able to generate return more than 10%PA for the last 10 years? Many can generate exceptional return for few years but consistently to get 10%PA for 10 years is pretty difficult.

b) Are we overly optimistic on the market? can we expect the fund price to go up 10-20% every few months? Is it realistic?  Even individual stock hardly able to achieve it.

c) What happens if the fund price goes down by 5 or 10%? Cut loss of mutual fund? This is totally new to me. So in March 2020 I should cut loss all my stock and mutual funds? I would then lose the chance enjoying the gain post March 2020. Time in the market beats timing the market.

d)  2020 is an unprecedented year. If you buy before early 2020, you are likely still having a decent gain till now. If you lucky to time the market by buying after COVID 19 and enjoyed the quick and super profit due to excess liquidity, would it be the same for the next few years?

e) Check out the talk by FSM Malaysia general manager Wong WeiYi this morning. Many new investors are overly optimistic (greedy) recently. They haven't "taste" the downside of the market yet.

I dont get a share if you gain but I feel sorry if you lose money and thats why I share my humble opinion here.  Don't shoot me please. peace 

Personally I am doing "boring investing style" - DCA monthly aiming return of 8-10% PA.

Hey all I use the fund allocator for the 1st time and this is my portfolio. All funds are shariah funds. Does it look ok?

AmanahRaya Shariah Trust Fund 5%
Maybank Malaysia Sukuk Fund 5%
Dana Makmur Pheim 15%
TA Asia Pasific Islamic Balanced Fund 5%
Aberdeen Standard Islamic World Equity Fund 20%
Eastspring Investments Dinasty Equity Fund 15%
Principal Islamic Asia Pasific Dynamic Equity Fund 10%
Affin Hwang AIIMAN Asia (Ex Japan) Growth Fund 10%
Maybank AsiaPac ex Japan Equity Fund 15%

My asset class allocation look like this:
20% Balanced
70% Equity
10% Fixed Income

And my geographical allocation look like this:
5% Asia
25% Malaysia
35% Asia ex Japan
15% Greater China
20% Global

Any comments?

 

Yesterday FPX issue cause i unable to pay the fund, ....

late 2 minutes (using netbook log in n manually transfer) 

my yesterday transaction become today transaction date....

nvm, i wait today NAV, lagi dip x apa, i kasi itu FSM       

if up, i kasi diu itu CS kaw kaw.......  

Thanks! Any advice between the MYR hedged vs. USD variants?

Just notice today that FSMOne got SC promo 0.80% for these China funds

If rally until year end u have to wait la 😂

Tomorrow last day is last day for China fund 0.8% sales charge promo. If i transact in the morning still in time ? as stated 3pm is the cutover time. Just want to sure. Lastly to check the 'Check Out' page

Terms and Conditions:
1. This promotion is valid from 18 February 2021 till 4 March 2021.
2. All cash payments (cheque and Internet payments) and EPF payments (through your i-Akaun) must reach us by 3pm on 4 March 2021.

Maybe we need to review our portfolio also instead of having huge allocation on tech or Greater China that I believe most people are doing, especially since last 2nd half year. Balance and diversify the portfolio with fund related to recovery stocks

Cathie Wood said that her ARK investment is for long term investment. She added a lot Tesla last week at $7xx

cannot find bottom yet
got money good can top up

If the unit trust can beat its "peers" performance regardless of the higher fees, why not? But you still need to mind the fees. Got UT company that charge you 4-5% sales charge 

There are few factors to consider;
1. For etf, it's rather "new" in Malaysia. So not many options. (esp for the muslim, not many shariah-compliance etf to choose)
2. If UT is much cheaper than buying foreign etf thru foreign brokerage acc, which involved lot of transfer fees and work - I'd go for UT.
3. UT is a good option for exposure into stocks & bonds/money market. even some invested in all 3. So no need to do many work. Bonds are quite complex, I'd say...
4. UT offer as low as rm100/rm1000 to invest. If you want to invest directly into ETF & bonds, might need more than that - not including brokerage fees for etf.
I oso came across investment platform (etf) that offer much lower fees. So, if I went into whatever is the cheaper option for me.

So, I invested in both.
US - etf
China - UT
Malaysia - etf (stocks) & UT (bonds/money market)

So far, UT outperform the etf performance. this is mainly due to the covid crash last year. many fund manager had successfully pick the stocks that rocketed, outperforming the etf. But for longterm, can they do it again?

fsm always gives promo when market is at a high hahaha

Do you know if bursa gonna go up or down tomorrow?

for the last 5 yrs,...still same 0.57%
no increase...

guess it themed to follows the last 2 digit of 1957 year

Even if their promo sales charge increase, its still lower than their normal sales charge.
If based on your logic, since eunittrust give 0% sales charge for many funds every month, why FSM still charge sales charge? Bad for fsm customers bad for fsm pr.

Just to share some investment strategies for children.

in 2015 I started investing in Unit trust.
My target was and is to generate 8-12% of return from few portfolios. Regardless of China/US/ Asia Pacific.
And also to beat country inflation rate of 3-4% average.

Assuming I put my principal amount of RM 10k into few good portfolios and a monthly depo of RM 300-500 for 20 years.
This is the result. I would say enough for a good private University locally but for overseas education, I will require to use my own savings and other investment by then.

Relying on EPF is not always the best option because after minus the inflation rate, we are only getting back 1-2% recently.

So far, my target is on track. My second kid, I did the same. The only challenge I have is emotion, when the market is down I have to train myself from panic. and to look at bigger picture.