Quick question, how to do manual top-up on existing managed portfolio?

good time to buy prs now?

Typically those statements come from individual stock or ETF supporters as ETF usually no dividend especially for US ETF. I in UT 22+ years that statement is not 100% true. For mediocre UT fund managers yes as I kena before before I switch sell and buy into other funds. I always believe there are always exceptions and not 100% blanket statement it is true or false

Yes, you were right that everytime dividends are distributed, the NAV will drop.

So, you mean only true stock, ETF give real dividends?

Ok, not going to look at my portfolio for a year at least, haha.

Any funds worth average down per FSM offer this month?

but to convert back to RM and transfer out...if i want to buy USD again have to use at new rate..argh...

yea i converted myr to usd around 4.18. I wanna keep my USD but transfer to wise lol. looks like will kena TT charges...

BTW I'm looking at my managed portfolio that I rsp 500 per month and I'm getting upset at the returns.

Should I continue or cancel it. Put into an etf like vanguard s&p. This is my son's education fund I'm saving up

I hate this feeling. Where ever I open my investment is in the red. Managed port, my two unit trusts fund and stocks. Want to shift to fixed income and the returns are disappointing because of the low rates.

I stopped DCA for my TA Global and CIMB Greater China.
Continued rsp 500 myr for my son's managed port (his Ang pao money is in it too)
Just applied rsp 500 weekly for etf ishares ftse China A50 to take advantage of the free contract for the first 300
Stopped buying any malaysian stocks.

Overall it looks like I'm at a - 40k in the red
Keep cash now seems to be the prudent

Yep I didn't touch that and thankfully the amount inside is enough to partly pay his education fund or pay for my house loan.

Oh yeah since he's one years old plus I'm already maxing out sspn 8k.

Just that my unit trust. I'm thinking to just move into etf.

I started invested in UT 15 months ago and as today the return is about ~-14%.
just a note though, the whole mkts seems to be down, even for some fixed income n reits funds currently
If I want to change one fund let say Fund A, an aggressive fund which currently bleed -18% to a moderate risk fund, do I switch all Fund A to the new fund or make a new RSP?
do you still needs fund A in your portfolio? Does the % of allocation of fund A in your portfolio reached your intended target?
If I switch now it means I technically realized the loss is it? Or I make new plan and let Fund A sit in my portfolio and wait until maybe break even or the return improve slightly and then only I switch it?
if there is not much hope of fund A performing better than the new fund in the next few years, cutting losses on fund A by realising it would be better. Put that money into a more promising fund than fund A. For you may not know how long it (fund A) gonna takes to break even.

Hi, exercise cooling off right means FSM will void the order I just entered?

What would be considered decent portfolio geographic allocation?

I There seem to be plenty of resources online on this, however it’s almost always from a US investor point of view. For them it would make sense to have a big chunk of their investments in the solely in the US or maybe even no international holdings.

What would be the case for us Malaysian investors. Surely we too should have substantial allocation to the US but what else? Also what percentages, any thoughts?

hi sifus, any difference between ifast and fsm managed portfolio ?

Oh so FSM can be DIY or FSM handle the portfolio

IFAST cater 3rd party advisor to manage portfolio

sound about right?

Thanks.

Indicative interest rate of 1.895% is lower than the current FD rate by the way.

Hi Brothers & Sisters,

I am trying to understand what is domestic ringgit borrowing and it's impact to investment?

I'm planning to take up 2nd car loan.  As far as I know, one is consider to have no domestic ringgit borrowing with 1 house and 1 car loan.

With 2 car loans, one would be deem to have domestic ringgit borrowing. So what would be the impact on investing because I remember Fundsupermart ask for annual update on investor domestic ringgit borrowing status. I think banks also constantly asking for the same update yearly.

Does it mean that if an investor have domestic ringgit borrowing, one would not be able to invest in ETF or stock market abroad (US , China , Singapore)? Does it affect investments locally as well? Would my investment option be lesser/limited because of domestic ringgit borrowing status?

Hope someone can advice me. I tried to google but couldn't find much information.

Thank you.

Are there any advantage to invest in unit trust rather than ETF if both having more and less same type of assets?

Unit trust fees are higher.