I love to spread my funds across multiple fund houses. so I can switch between them without incurring charges

Nah even fsm advocates 8 fund port. imagine lah when happen if I don't have China and India to prop up my port

Hello

I am quite new to Unit Trust and diversifying my fund.I would to change my strategy to be more aggressive. Thus, I would like to increase the allocation in equities but how do one properly know if the funds are well diverse?

For the moment, I have :
Selina : 5.1%
Ponzi 2.0 : 3.4%
Titans : 5.1%
KGF : 4.3%
Manu India : 5.1%
RAIF : 8.5%
TAGF : 4.3%
Esther : 21.4%
RHB EM 42.7%

For the moment, I focused more on Asia Pacific & Emerging markets since it's rated five stars by FSM. I touch the developed markets via TAGF and Titans. The thing is that I don't know I increase my portfolio for developed markets via TAGTF.

Yes, Technology tends to be stable but it is partially influenced by the developed countries. Any advices?

Mind sharing your port allication and irr ? Also comment if you got do any lump sum investment during this 3years.
You dca/vca every month? Or quarterly?
For reference/study purpose.
Thanks.

Yes, I saw that. My issue was that there's no credit quality information on their holdings, and it is unknown where 60%, a significant portion, of their holdings are from. Argentina government bonds? I hope not. Its quite clear that they hold mainly emerging market government bonds, but more transparency would give more assurance. Maybe I was being over-dramatic earlier.
Agree that ASx should not be considered for stock portion of portfolio. But I think ASx compares favorably to bonds - zero volatility and probably higher risk-adjusted returns. Yeah, not being able to deposit into ASx easily is a point against it, and ASx being not on FSM makes rebalancing tricky.

Be advised. careful who you believe in this forum especially when it comes to someone asking you to place a big gamble into a particular fund or stock. I have seen and heard of invisible hands trying to get you into joining them for their own benifits.

my sincere advise is to avoid the interpac funds as they are currently invested by a few, if they pull out from the fund you may left for the vultures.

stay in the relative safety of many investors in funds that have been tested and tried over the number of years. Why chase returns with unit trust when there are more exciting ventures like stocks.

food for thought.

why so defensive eh? It is my cautionary disclaimer. no need to be so emotional. I know everyone has their own styles but always take everything with a pinch of salt especially from the ones that advocate the most reckless and risky maneuvers in investing. don't get burnt.

others can stomach a lost of 50k which is small change to them but 50k is a great sum of money to someone who worked for 9 years reaching that point.

Anyways part of my job to warn people and advise them as I always have been advocating in this forum. you guys can take or leave it.  nite

Yeah I also don't agree with the idea of "skimming profit". I think it's a strange idea and that's counter productive. 

I think no.....it is not him....
HAHACAT gives some very interesting and sensible advises/comments from his posts about wanting to follow his style of investing and trying to be like him.

With regards to leveraging using UTF, I have been a participant of UTF since 2005 and a holder of FIMM license from 2008 to 2013, I am not aware of the facilities of leveraging 66%. It was never discussed nor talk about. If what is said is true, it should have been made known either formally by the seniors or informally through the grapevine.

Lately we are very much into trend spotting. So now Xuzen wishes to talk about trend and to tell young investors some bedtime story for entertainment sake.

Let's start from the China real estate cooling measure circa mid 2015. This one Algozen™ two did not pick up. This was one of the worse drop in my portfolio. I used one year old data for analysis, and that was why it failed to correctly spot the trend. So therefore kids, try to take a longer outlook when investing. Unker Xuzen is telling you from his own experience. 

Subsequently I never entered anymore China specific UTF until today. From mid 2015 to early 2016, I used Ponzi two as a proxy for China exposure and thereafter from early 2016 to qtr two of 2017, it was RHB AIF. These two funds did mediacore, giving decent return given its risk (meium risk UTF).

Next, let's talk about India, way before anyone was bullish on India, I believe I was one of the very first to go into India fund, circa mid of 2016. And oh boy! Was she hot and spicy.... she shot up like rocket. Now only FSM recommend India fund. Somehow Algozen™ ver three was good to spot this hidden gem.

The next trend I spotted was TA - GTF to ride on the USD / MYR weakness. This again was a very good call. She is still going up up up and she is still a keeper. I entered it in qtr three of 2016, then kept skimming profit from it starting from early 2017 to June 2017. Still keeping her.

Briefly, before all this, in 2013 to 2014, Algozen™ ver one buy call was KGF. Yes, those times were also a good time for making money via KGF. I already made one round from Malaysia equities in 2013 to 2014.

Hope you noobs enjoy bedside story from unker Xuzen.

Xuzen.

wah lao fundsupermart staffs really scare me when I saw this on my fb timeline

https://www.fundsupermart.com.my/main/resea...ded-Funds--8588

who was it that were talking about leveraging the other day here?

You know, when I first learnt of this concept and saw it in action, you were probably still in diapers. The "contrarian investing" moniker was probably not even invented yet. There were such investors of course but it was not a "thing" like it is now. Now its just so overused that it eventually becomes a self-fulfilling prophecy. Spitting out theory is easy since hindsight is always 20/20. I would like to see how you execute it and then share your story with us.

It is not my intention to put you down, I wish I had your enthusiasm, access to easy knowledge and some money to invest at your age. I just want to put you in your rightful place - you are a budding investor who has not yet got his battle scars but you are very eager to give advice to others who's background you know nothing about. Some people could take your advice as the gospel truth and get burnt badly you know?

kinda contradicting yourself when you are advocating people to borrow money to make a gamble onto a high risk and high return investment vehicle. great that they can rake in money, my hat to you for making that gamble.

now what if the gamble fails. they go into debt. they can't finish paying for it. don't give me the bullshit about this gamble will pay off! I made 9% roi. you willing to take into consideration that your action and words are gonna ruin people lives? I don't know about your personality but every advise I dish out here I make sure my conscience is clean.

you are a dca believer. I'm down with it. vca. okay. active trading. passive trading. your call. Ramjade's going to Singapore. sure why not?

yours is something I do not agree. plus you are using your half a million wealth to prove your point. something money scammers love doing.

also don't go derailing the argument talking about a banned song. this makes you look like an uneducated clout