55555 not sure if that was a compliment or a patronizing subtle insult. either way thank you!

yes. there's one slated to be opened either this year or the next. I was told by fsm staff

Esther bond anytime is fine to buy, it's VERY stable
In hindsight, 6 months ago was the best time to buy, so I won't put all the funds in at one time now. Maybe set a RSP to put in slowly for the equity funds; in the meantime you can just keep the funds in CMF, it earns about 3.3% interest per annum. Some would argue REITs fund is good too; and india...

In terms of composition you can take a look at FSM's recommended portfolio

I don't switch regularly. I'm the type who just park there and unless the fund really underperform against its peers otherwise I'd just top up accordingly to meet my desired portfolio allocation. I do try to use credit ninja trick, but the credit just stays there and I hardly utilise them.

Unless if you keep switching; otherwise the sales charge of every dollar you invest in FSM MY shd hardly exceed 2%; with the assumption that you have some bond fund exposure and sometimes your purchase coincide with sales charge discount and you manage to get some tier discount knowing how much you invest in FSM SG

Oh ya hor, you read chinese; but i find mandarin articles about investment very hard to digest, when I try to read those on FSM SG or FSM HK; can go nuts
And I actually had 11 years of mandarin education

Yeah, this fund pale in comparison of its peers

Actually there's a lot of potential for those IFA (independent financial advisors) as well; untapped market compared to klang valley. And when your competitor is PM, easy peasy la; Just need to deal with AMLA requirements carefully

diew. I'm working on Saturday lah! fsm why you always have seminars in kuching on Saturday??

They have seminars everywhere on Saturday, not just Kuching.

oh well. work comes first. topics covered are for the newbs

Is just like u read financial reports in Chinese, we are not native enough to read professional stuff like we used to be expose in English

When I follow financial market news, in Chinese, will be a nightmare, but trying to cope and improve Chinese proficiency in professional field

The ninja trick, yes, is slow so can't go and dig the well when thirsty. Must earn some credits and keep it for urgent use. For example, on the 16 March when it is booming, consider switching some equity to bond, earn the credit and keep. When other times seeing red, consider going in.

That's the idea mentioned by our shark trainer. I supposed.

The fund price update is late. So have to add 1% or so to be accurate.

Finally my FSM funds beat my Amanah Saham fixed price in less than a year ~6 months Hopefully overall total can go to 10%.

Overall return ? Wah congrates bro...

Those are updated figure with yesterday NAV.
I got the latest NAV from Kenanga site.

This post has been edited by David83: Mar 17 2017, 07:30 PM

For now 6.20%. Jangan ada correction sudah... Let it run

Question is why do you want to sell? Is there anymore upside in that market? Do you foresee it to come crashing down? ROI is just a number; a rather poor indication of performance if you ask me. That's why IRR is more superior for comparison

I have many funds with >20% ROI but that's because I've held them for >1 year. If I sell them, what should I buy? If the potential is there like ponzi 1.0, instead of selling, you should be looking to buy more

Buy more when it's going up and up? What logic is that? Please explain...

This post has been edited by Ramjade: Mar 17 2017, 07:34 PM

Well, there's another strategy.
Sell them off (cash out); wait for deep correction, buy them back again.

In my portfolo, I got 3 funds with ROI > 30%

This post has been edited by David83: Mar 17 2017, 07:36 PM

Wow

have to remember though, this 6.2% may drop to example 3% after a year. fixed price on the other hand, will still get the 6%.

That's why I said please no correction. Let it run until 10-12%