👍
Actually many sifus here reminded me before.
It’s just that I easily get “emotional”
In my mind, it’s always are my funds really the correct ones? Then we I start to see the drop, I start comparing, hahaha.

even if your fund "maybe' the correct one for now (or for another X months)....it does not mean that it will stay the "correct" for ever.....

so, just hope that your "emotion" can "corrects" itself

Yup yup
That’s a fast turn around

Happy weekend!

Noted
Will continue update myself so that I don’t miss out on the good fund

-deleted-

This post has been edited by GrumpyNooby: Jan 7 2021, 11:27 AM

Just a note,... By the time you realised n updated yourself n confirmed that it was a good fund n switched in.... It may already at peak....
Some call that the perils of rear view investing....

No harm trying that as one can only loss time n some money

there is only a few common good funds that is always discuss here. most of the funds in fsm is cannot pakai one.

from time to time the senior here will discover new better performing fund n share in here. u can update your watchlist.

after a while u will get the hang of how to evaluate a good performing fund too.

in the begining just learn from others first before forming your own opinion. try not to bring any of your own misconseption into this. if u dont agree with others later on, go ahead n follow your own mindset. ultimately its your money. there is no right or wrong as long as u dont lose money. losing money is the biggest no no.

"Rule No. 1: Never lose money. Rule No. 2: Never forget rule No. 1."

try out small amount first. this is you "life lesson fee" into investing your own money. even if u lose it. u wont feel so heart pain.

-deleted-

This post has been edited by GrumpyNooby: Jan 7 2021, 11:27 AM

You mean like this?

I have an assumption at the moment that Precious Metal Securities might be in this scenario. The fund shoot up during the emergence of covid and now since there’s many news on vaccines therefore Investing in gold fund at the moment is very risky.

👌

maybe you could run a long term experiment to test out this theory for yourself. it is sometimes easier to 'see it to believe it'. so say you got RM10k overall investable fund right now.

RM5k you put into a globally diversified large cap unit trust (Principal Global Titans?) and dump RM100/month or whatever inside. Don't change no matter the market up or down. We call this the 'boring portfolio'.

Then another RM5k (along with additional RM100/month), you do your own allocation (i.e. some in Large Cap, ASEAN, Precious Metals, Greater China, Healthcare, etc) and make constant adjustments based on your sources. We call this the 'active portfolio'. I guess kinda like what you doing now?

Check back after 5 years and compare the total ROI%.

Already invested most of the available fund in my epf. Not much fund left for dca

This post has been edited by whirlwind: Nov 14 2020, 01:00 PM

some would say, its wiser to pace yourself and do dca instead.

Once I have cash in hand, will do this dca strategy thing
Just submitted the application for fsm

-deleted-

This post has been edited by GrumpyNooby: Jan 7 2021, 11:16 AM

To be able to invest through FSM

Example United Global Healthcare Fund - Class A that’s not available through epf

-deleted-

This post has been edited by GrumpyNooby: Jan 7 2021, 11:16 AM

For Principal Greater China = Principal

May I know what is different between AmChina A-Shares MYR and MYR Hedged?

googled and found this...
hope it explained clear enough...

Currency
Various share classes of the universe of unit trusts out there have different currency denominations.
Some of them are denominated in the Malaysian Ringgit (MYR) for example, while others may be denominated in the US Dollar (USD), the Euro (EUR) or the British Pound (GBP).
The currency denomination is known as the ‘dealing currency’ for purchasing the unit trust.

There are two major things to note about currency share classes. Firstly, the dealing currency may not be the currency that you are exposed to; and secondly, certain share classes feature a hedge feature.

Dealing currency may not be the currency that you are exposed to
For example, a unit trust investing in the US equity market would need US Dollars to purchase equity securities listed on the US exchanges as they are priced in the USD.
However, that same unit trust may have a share class that is denominated in MYR.

If you are buying the MYR share class of the fund, you buy units of the fund with MYR, but your real exposure is to the US equity market as the fund manager will need to convert your MYR to the USD in order to invest in US-listed securities.

Certain share classes feature a hedge feature
It could look something like: MYR-Hedged. This means that the fund’s underlying exposure is hedged to the MYR.
The fund you purchase may be invested in the European credit markets, whereby securities there are denominated in the EUR.
Thus, your currency risk as a Malaysian-based investor would be to the EUR, and the value of your investment would be exposed to the fluctuations of the EURMYR exchange rate.

By investing into a MYR-hedged class of the fund, you can lower your risk of a weakening of the EUR (the underlying investment currency) against the MYR (your original investment currency) eroding your investment returns from the European credit market.

more
https://www.fsmone.com.my/funds/research/ar...=10404&isRcms=N

One is hedge, one is not.