in your perceptive, what made you "missed" it?

I dont encourage anyone to chase the market.

Some ppl are lucky they get in high and escape higher just before it turn back down.

Do you feel lucky?

EQ rallied quiet a bit... like rabbit

My FI slow and steady up little little like tortise

haha.. my decisions always go the opposite. Buy something expecting them to go up, but in the end stagnant or down

could that be due to your
EQ 25%
FI 50%
Money market 25%??

but as long as you are happy with that allocation.....it is OK

I rebalance from EQ75% to EQ25% before the CNY... March drop only manged to enter a little bit.

So now with OPR cut, need to think of $ sitting in Money market.. wanna make money work harder a bit

On that, do take note about this below post

happens sometime.

cannot be correct all the time.

I chase return type. So its important for me to stay invest in equity. When i cant decide which fund for the region is the best, i just buy all of them. It will look like collecting pokemon but the return does varies showing that if you pick the wrong one, the return will be lower or higher. So i rather just average them out.

Example Greater China I currently have 3

Eastspring Investments Dinasti Equity Fund
Manulife Investment Greater China Fund
Principal Greater China Equity Fund - MYR

Bought more or less about the same time. But return is :

17.89
22.39
22.65

Dinasti is the less volatile of the 3 with best sharpe ratio, but it also return the lowest for me. So just trade your own plan.

Post here when you buy, I'll do the opposite hehe. Jkjk

just noticed latest articles by Affinhwang Am & Principal Am
A BRIEF ON GLOBAL & LOCAL MARKETS, INVESTMENT STRATEGY.
WEEK IN REVIEW | 29 JUNE – 3 JULY 2020

On portfolio positioning, we remain highly invested with cash levels hovering between 3.0-5.0%.
We remain cautious and will continue to monitor developments on the COVID-19 front including progress of a vaccine with several trials having moved to phase 3.

https://affinhwangam.com/insights/weekly-market-review

Investment Outlook June 2020 by Principal Asset mgmt
We’re increasing exposure to equities relating to fixed income,.......
https://www.principal.com.my/sites/default/...mmentary_FA.pdf

thus not just retail investors are crazy only??

This post has been edited by T231H: Jul 9 2020, 12:38 PM

I personally feel the fundamentals have changed now. Covid is less of a factor now with the world swimming in cash. So in order not to be left out, many institution have no choice but to invest. But we are diy retail investors. We don't have to do that if we don't want too. We can choose to be defensive if we want like some of our members here do.

Haha FOMO mah.

Don’t just think retail investors yang fomo.

Even fund managers too.

-deleted-

This post has been edited by GrumpyNooby: Jan 7 2021, 12:58 PM

invest this on 25th june
seeing the ''bull'' does not stop anytime soon and after some tinkering with a close fren of mine
both of us decided to
pull the trigger on it
if the ''bull'' does not stop, one month holding probably will yield at least 6%



This post has been edited by xcxa23: Jul 9 2020, 08:42 PM

Hello. Since the FD rates are notorious. I'm looking at the next safe/decent investment.

Are bond funds in FSM a good buy now?

Amanah Syarish Trust
I recommended it before it is marked recommended fund by FSM

i think it is, for usually it was mentioned, when interest rates goes up, FI nav goes down.
as the current interest rate trend is down and the rises is not in the near future....so i think FI is a go place to replace some of FD.
but as posted by MUM at post 21871, page 1094 earlier, it shows not all FI are equal...

Early this year there was a Managed Portfolio promotion by FSM, if you subscribe to their MP you’ll get lifetime 0% subscription fee.

I just confirmed with FSM that I can change the RSP amount and I can still enjoy the 0% subscription fee.



This means that the only fee that I have to pay is 0.50% management fee per annum.



For the MP one of the fund is KGF, if I want to enter KGF normally I’ll have to pay 1.75% sales charge. It also comes with 1.50% annual management fee.



If I were to invest through MP, I can bypass all that and only pay 0.50% annual management fee. Is there anything I’m missing?

yes and no

yes because u indeed dont need to pay for subscription fee for ur MP

no because in fact you are still paying the highlighted, but for UT, the highlighted usually doesnt matter because it is absorded and reflected in the NAV, which means the NAV and performance you saw on FSM is already considered and included with the highlighted.

Ah I see, thanks thanks