I don’t do dca and I’ve been planning to switch even earlier but I guess my timing was out.

Wanna try to reduce the lows 🤞
Since I’m still new to UT, let me try this method whether it works or not

Theoretically if want to micromanage UT, should switch equity to FI during green day to keep profit and when market goes red, switch back to equity and wait for rebound

Would like to do that but my timing was late. Need to react faster in the future. Next would be when is the best timing to switch back Equity? I’m targeting just after the US election, mid Dec

Buying insurance policy via fsm, is still buying via agent. I dont know what is the sales process. When i mean buy online is, direct buy online, no commission.

Im guessing, it's abit concept like car insurance. When renew with takaful directly, they charge 0% commission.

But when renewing via agents, +10% to the price.

So when buying insurance via FSM, they get commission as well but paid back to us partially (half? Or less? Or more?) via cashback.

But buying insurance directly, say, with tokiomarine ONLINE, then 0% commission. (I haven't tried personally though, I bought via FSM cause of the plan customisation )

thank you for the explanation

doesn US election will affect the local small cap fund too? Mind isn't moving alot, some dropped.

Lol the moving only happens after result is known and depending who wins

nomura i-income was the hot pick back then, it is still performing good IMO
yes in YTD perspective amanah syariah performs better than nomura

but if u put both in three years chart centre, nomura outperform amanah in a long period of time.

so it is up to you at the end.

Amanah = slow and steady
Nomura = fluctuate a bit more but performing good and outperform the former at times

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This post has been edited by GrumpyNooby: Jan 7 2021, 11:34 AM

Turn out I put a small amount to RHB China bond just to play around

China stops Jack Ma’s US$35 bil Ant IPO from going ahead
https://www.theedgemarkets.com/article/chin...o-after-warning

Looks like Trump gonna win and market gonna climb. Guess I can switch back to my Principal Global Titan sooner

223/174 , trump still losing le

Historically market will climb regardless who wins

That’s good, should switch straight away. Hehehe

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This post has been edited by GrumpyNooby: Jan 7 2021, 11:34 AM

Still learning still learning

I’ll still wait a while to ensure some stability first before switching

for my case, i find switching in and out doesnt do much to the overall end result.

I agree on this. each switching, if you do it in a short period need to factor in sales charge.