if given a substantially large amount, would you lump sum now or just parking at mmf & dca/vca per week, per month

For me, time is my friend. There is an old adage in investing that says, " It is not timing the market but rather time in market that determine winning outcome "

Mathematically speaking:

FV = PV.[ 1 + i ]^t

i = rate of return ( ROI ) and is a linear function of gain, whereas t = time, is an exponential function of gain. Now tell me, if given a choice, which parameter is more efficient in accumulating gain?

Hence the adage above is grounded in mathematical truth and is not mere speculation.

Xuzen

Well they can be quite smart to overcome such "issues"

just a note thou...
Amdynamic Bond fund has this
Redemption fee: 1.00% of the NAV per unit. (Borne by Investor)

depends on whether you are the seller or buyer....
a seller would like to seller at higher NAV than others
a buyer would like to buy at lower NAV than others

which one did you buy?
how many % have you added into your UT portfolio this morning?

You bought from FSM or competitor with 0% service charge promo?

if he has RM100k in a port and if he said he did a top up of RM100
vs
if he has RM5k in a port and if he said he did a top up of RM5k

not sure about you, but i think it has relevancy here

nothing to be ashamed of,...for we does not know what he intention is...
for he could be "betting" with some pocket money
for he could just be buying and then telling others that he just bought while you guys are still in fear?
or something else

Good luck! The best was 4 months ago according to most of the UT charts but I don’t think so it’s easy to predict a good time. For me, I predicted when covid is under control then the market will start to climb but I was wrong, It starts even earlier

Good for the company, good for unit trust good for us, but loss for now for china i guess.
Yes it is, level up my confident level.

how come?...
maybe bcos the is the word "example"?

Hi all sifu, I’m  a silent follower in this forum.

I had hold TA global fund for more than 3 years, made good return, sell off all during mid july, while waiting opportnunity to reenter but the price keep going up.

Recently contacted by agent that PM have a new fund - pb e-AI tech fund. Anyone have experience in buying new fund without any previous record? And any view on this?

Understand should have ask this in PM tread, but just would like to get some unbiased view. Thanks

Paying 0.57% is already stupid enough right? 

Either just continue DCA or buy more to average down...if aim timing then should buy when they are in deep red ...

Either just continue DCA or buy more to average down...if aim timing then should buy when they are in deep red ...

I'm interested to invest in some gold funds too (first timer). I have been reading up on FSM factsheets:

A)
RHB Gold Fund: https://www.fundsupermart.com.my/fsmone/adm...sheetMYRHBG.pdf
Invests in one (1) target fund. i.e. iShares Gold ETF

B)
RHB Gold & General Fund: https://www.fundsupermart.com.my/fsmone/fun...nd-General-Fund
Invests mainly in securities of corporations (whether or not listed on any stock exchange, and in any part of the world) whose business (in any part of the world) is or is substantially in the mining or extraction of gold, silver or precious metals (e.g. platinum, palladium, rhodium etc.), bulk commodities(e.g. coal, iron ore, steel etc.), base metals of all kinds (e.g. copper, aluminium, nickel, zinc, lead tin etc.), and other commodities (e.g. industrial minerals, titanium dioxide, borates etc.) and it includes the mining or extraction of oil, gas, coal and alternative energy or other commodities or other minerals.

C)
Precious Metal Securities https://www.fundsupermart.com.my/fsmone/adm...eetMYAMPRMF.pdf
Invests in a portfolio of global Shari'ah observant equity and equity related securities of companies engaged in activities related to gold, silver, platinum or other precious metals

D)
UOB Golden Opportunity Fund https://www.fundsupermart.com.my/fsmone/adm...etMYUOBGOMY.pdf
Invest in exchange traded funds globally where the underlying asset is physical gold.

My understanding:
A is putting all eggs into 1 basket which is 1 ETF

B and C are more diversified but invests in the companies engaged in gold activities so it is not only dependant on gold/minerals price but also on how well these companies are run and perform.

D is buying into multiple ETFs for gold
Am I right? Can some 'sifus' share the basis of their decisions which fund to buy in?

What does a Biden Presidency mean for global markets?



What financial assets will benefit from the impending macro backdrop?

1. US Cyclical and small-cap equities
Looking forward, we are increasingly positive on a robust rotation into US cyclicals and small caps stocks.

We are expecting a US fiscal stimulus (with a focus on infrastructure investment) to be passed post-election – albeit smaller than expected. The post-election stimulus packages (which is expected to include infrastructure, healthcare and environmental initiatives) will likely be well-received by investors, thereby driving positive growth expectation and outperformance in cyclicals and small cap names.

At the same time, the cheaper valuations for small cap and cyclicals relative to the better-performing large cap and growth stocks so far also serve as a compelling reason for investors to take a closer look at these segments.

2. Asian equities and fixed income
It is no secret that we favor Asian assets this year, given the improving economic fundamentals across 2nd and 3rd quarter. We expect the stronger economic growth in Asia is likely to translate into further upward revisions in earnings in the Asian equities ahead.

With most government bonds in developed nations near zero now, Chinese government bonds are looking increasingly attractive in our view with almost 3% yield-to-maturity. While currency weakness is typically the main draw against China onshore bonds, we expect the CNY to strengthen moderately against the USD over the longer term ahead – a plus for Asian High yields and China government bonds.

Related Products – Affin Hwang Select Asia (Ex Japan) Opportunity Fund and Principal Asia Pacific Dynamic Fund

3. Emerging market and cyclicals assets

We are turning more positive on EM equities on improving risk appetite and global growth prospects ahead. Firstly, weakness in USD ahead has historically been constructive for EM currencies and equities. Secondly, we expect global growth to continue recovering at a meaningful pace, which is positive for commodity prices. Oil and copper, which are closely driven by global demand prospect, are likely to benefit the most. Rising commodity prices are supportive of EM’s economic growth and positive EM assets.

Related Article –  FSM Fund Choice: Global Emerging Markets Opportunities [December 2020] 

Article link: https://www.fsmone.com.my/funds/research/ar...Insurance=false