Hi, newbie here. Anyone can enlighten me on what is regular saving plan in fund supermart?

This is not DCA, your explanation is misleading.

Modified for adding explanation:-
If you have RM30K, you don't buy RM30k into on Fund, and not even RM10K in one go.

By using DCA method, you spread out, (buy RM500 every week, or RM1K every week, or RM3k every month for the duration of 10 months etc.)
The more your investment spread with smaller amount by different timing, the better.

Hi,

Basically im actively siphoning out my epf fund every quarter. Of course im aiming for better return than epf but also to get the eggs scattered around in all baskets.

Previous few quarter, i vested heavily in china & asia exjapan but with current condition, i think its not a good time to go yet. Hence come the option to go for bond. The original plan is to park out my money from epf and switch to equity when things settled down and recovered. But thinking back, its pretty useless as fund from epf cannot switch directly but need to go back into epf.

So now most probably im going into AHB as this baskets provides pretty stable dividen so far (3.1% bi annum). It would not beat epf so much but at least im able to spread my momey around.

RSP WORKS, BUT UN-INVESTED FUNDS ENTAIL HIGH OPPORTUNITY COST

Our simple study on historical DCA returns over the past 100 years suggests that a regular saving plan (RSP) is a good approach to building up a long-term investment portfolio, especially when the plan spans a longer period of time. From our perspective, RSPs are highly suited for investors who have little starting capital, bringing about the benefit of maintaining a disciplined saving approach, as well as continuous participation in the market.

While an RSP has its benefits, we still maintain that investors who have a larger sum for investment should put their money to work sooner rather than later; this would entail a “lump sum” investment rather than spacing out the investment via an RSP. The key reason for this is the high opportunity cost of un-invested funds, which can make a significant difference to investment returns, especially over the long term. 

IMPLICATIONS FOR INVESTORS
Nevertheless, investors should note that an RSP may not be the most suitable approach for their investment requirements if they have a larger sum of capital to begin investing with.
For such investors, a suitable portfolio allocation should be decided upon based on risk and return considerations, and funds allocated in a “lump sum” approach rather than via an RSP.

https://www.fundsupermart.com.my/main/resea...?articleNo=2069

regarding this...I think if that basket (EPF) were to drops......what ever money siphoned out from that basket prior to that drops would have minimum impact to my net worth....
for most of my money is in that basket (30% on what ever exceeded the minimum sum = not much in relation to the sum in that basket) .... I personally think it would not make a good argument about not putting all eggs in a basket.
further more if that basket were to drops....I think probably all EPF approved UTs would be impacted also ...can run but cannot escape.....
with that, I did not use my EPF for investment......

lets say if I put 1K cash today. The profits is it like monthly like FD?

very very good explanation! thanks so much. Will place some of my excess funds into it rather than just sitting at my regular savings account. Amount not big enough for FD.

For UT are the returns daily or monthly?

means it is like trading in stocks? whereby one needs to contemplate when to enter and when to exit?

yea. I checked too.

rhb bond got. and wth I kena...

of all funds.... I kena..... silly me....

amdynamic also got.

BIMB Global Dividend I Fund.

one of the pioneer fund in Malaysia use robo algorithm.

outperform united globe in latest 3 months

invested every month since early this year and i'm still down 5% =_=

Lose money sakit mah.

I wouldn't mind if it's like RM50 or something that I'm losing.

Unit trust should be long term investment as it is different from stock. As long as you have picked a good fund with good fund managers, give it some time. Don’t even have to check back that often.

........

50% for 2 years down.....

it's either you don't care your money, you filthy rich, or you just invest for the sake of invest.

you know now long for a super duper performing fund to climb back 30%?

or even 15%....

wa.... ini cara orang kaya main nih

Again, few weeks ago, there had been curses about Trump and his action...

Today FSM MY came out with this.....

"The difficult part about investing in volatile asset classes such as emerging market equities is that they can drive investors nuts with their inconsistency. On the flip side, the good part about investing in volatile asset classes is they offer plenty of buying opportunities.

Unfortunately, when markets are tanking and portfolios are bleeding, it’s always easier for investors to tell themselves it’s going to fall even further.

“I’ll just buy when I see less noises from the market, or when Trump stops his disrupting tweets…”

If history is any guide, emerging markets are rarely calm. The gains in these developing nations can be infrequent, yet large at times. The losses can be frequent and painful. Investors might not find a pleasant investment experience within the emerging equities’ landscape, ....

more at
What Happens When You Ride The Bear In Emerging Markets?
https://www.fundsupermart.com.my/main/resea...-markets--10112

sorry sorry, paiseh paiseh.

It is a typo. Should be August instead of September.

Also, let me take this opportunity to state that currently my port has reached the desired eq to fi ratio of 70 to 30.

My non pokenon port consist of the following members:

1) TA Tech 20%

2) Eastspring Equity Income 25%

3) Selina reits at 25%

4) Anita Bond 30%

This, according to my good friend Algozen™ ver four, sits at an optimal risk to reward ratio point, only consisting of four members, unlike some professional managed account, play Pokemon style here and there.

p/s I play retail only UTF that are available in FSM universe. I am purely a retail investor who does not have access to any kind of " wholesale " fund whatsoever.

Xuzen