i would not say it is a wrong strategy....
just like some people have 2 saving a/c from different banks...just in case in need of money very unlikely have both bank's ATM having system error.

just not known the combined value you have....for in FSM there is this tiered AUM sales charge discount...if reached xxx AUM,...0.25% SC lesser.

very 'backwards' leh

are you investing your FUN funds "thru" her?   

did you ask her to assist you in the 5 ways to invest wisely to navigate through uncertain market conditions? or you are fully aware of the full kamasutra of it already?  
https://www.thestar.com.my/business/busines...rket-conditions

if you have RM1000 in FSM and RM1000 in Eunitrust
total Rm2000
if you top up RM200 in FSM

your total top up is still 10% of your total port folio

there has been some correction on nikko ark fund and prices reflected is late by additional 1 day. Yesterday it was up slightly.

https://www.bloomberg.com/quote/NIKADBS:LX

according to this site....
"As a rule, when the value of the dollar increases relative to other currencies around the world, the price of gold tends to fall in U.S. dollar terms.
It is because gold becomes more expensive in other currencies.
As the price of any commodity moves higher, there tend to be fewer buyers, in other words, demand recedes.
Conversely, as the value of the U.S. dollar moves lower, gold tends to appreciate as it becomes cheaper in other currencies.
Demand tends to increase at lower prices."

https://www.thebalance.com/the-relationship...emand%20recedes.

more in google
https://www.google.com/search?source=hp&ei=...sclient=gws-wiz

No wonder my RHB Bond Fund is hving a negative YTD of -0.41%

i'm still guilty of several of the above, from time to time.

RHB China Fund is Blackrock China Fund

RHB Artificial Intelligence Fund is Allianz Artificial Intelligence Fund.

I think bad returns are referring to those funds managed by own RHB fund managers, not feeder funds

what is/are the very realistic criteria for you to consider a fund to be non performing?

what is/are the very realistic criteria for you to consider a fund to be non performing?

I was writing a few hundred words on this but fell asleep. Yes, I do this. But for me, performance is also based how well it performed vs benchmark and market. Not just the returns. Because a good alpha and beta still can tell me one day when the sector is up, that fund manager will be first to profit.

Example is eastspring dinasti, which I admit I sold off during trade war and is now doing not too badly at all.

So we can buy this fund to take  the opportunity on the dip?

https://www.fsmone.com.my/funds/tools/facts...c=global-search

i smell opportunity