Hi I have a question.

I started investing about 6-7 months ago on few funds. Now 6 months later when I compare my own funds performances with the fund performances on FSM I noticed that there are variance in terms of % returns. Some only varies 1-2% but for example my Aberdeen funds show I gain 10% while in FSM it gain 25% in 6 months. Why so?. I am doing DCA tru RSP every months.

I started invested in UT 15 months ago and as today the return is about ~-14%.

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?

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?

Hi all, want to ask something. If I switching my funds which are not performing (meaning to date giving me negative returns), does that means technically I am realizing my loss?

I started invest in UT about 2 years ago about Feb 2021 I think. Market during that times not doing well but I still started invest anyway. To date my portfolio giving me -9% return. And all my funds are shariah so as we know they not performing well compared to conventional.

So after 2 years I thinking to modify my portfolio. Do I wait until my funds break even and then only switch? Or just accept the loss and switch now?

During that times I know nothing about UT (so as now haha) and just tried to invest to gain experience. Currently I am doing DCA RM1k per month into 7 funds.

Would like to hear other opinion on this.

Thank you.

Thank you for the responses. Few things and strategies i got from all the replies:

Yes its true if I really think about it, switch or not switch, my total investment is still the same. So why not do the switching.

Lowering the allocation and stop the allocation instead of switching are strategies I will look into.


And my bad it actually 8 funds haha. Like I said I just went into UT without proper planning just want to get the experiences. So I think my portfolio is pretty unbalance.

Here is my current portfolio:
Principal islamic asiapac dynamic 10%
AHAM aiiman asia (ex japan) growth 20%
Eastspring dinasti 20%
Aberdeen world 10%
Interpac dana safi 10%
Principal islamic small cap 10%
Maybank sukuk 10%
Amanahraya shariah trust 10%

And here my planning for my new portfolio:

Aberdeen world
Dana makmur pheim
Principal islamic aisiapac
Amanahraya syariah trust

All funds with good track record of more than 10 years.

Hi, can i withdraw all 100 % my funds or there is minimum holding amount needed to be in the funds? Thinking of withdraw all and close my account

Between moomoo and fsmone, which offer better fees for doing etf rsp?

Can anyone explain how the 30% dividend withholding tax for US ETF works?

For example the ETF give me 100 usd in dividend but I'll only get 70 usd?

can i reduce or avoid it? any strategic tips?

thanks