I give you the template answer of this thread. If you think the risk is right for you then go ahead. There is no right or wrong. In hindsight, everything looks simple. No one can tell the future.
If you adopt the "go big or go home" strategy then diversification is the wrong move. Everything is averaged out. If you want to go "slow and steady" then diversification is the way to go.

You decide your own strategy.

What's the context? Any news article?

You finally see the light
REITS will be in the doldrums for at least a year.
My move this week:
AH GDIF - increased holding by 25%
Eastspring Dinasti - increase holding by 28%
Nomura i-Income - reduce holding by 30%

Not pumping new fund but rebalancing from FI to equity

This post has been edited by killdavid: Feb 28 2021, 10:21 AM

times have change. gold used to be safe haven from inflation. these days there are too many competing in this space. block chain coins seems to be winning in this space.

They are both the same fund. So in short you just listed one fund
Please study the investment mandate of the fund. This is long term fund as companies in the holding are still in the "emerging" phase.

Everyone should do a mental exercise. Take a snapshot of what you are feeling now and compare it to how you felt right after FSM webinar.
Feel the fear vs euphoria when people tell you everything will go up to the moon.
Learn from it. This is a long game.

Who knows? No one can see the future.
The key thing for me, and there was a question being asked recently....are you better off ignoring the 0% SC , analyzing the market conditions and paying the 1.5 % sales charge?
If you went gung ho due to the feel good factor during the webinar, it's gonna hurt now.

This post has been edited by killdavid: Mar 3 2021, 11:42 AM

Either way, if people are swayed and make big placements solely based on 0% SC alone, then there are situations where it is at a disadvantage vs someone ignoring the promo and spreading their risk across DCA, paying the 1.5% SC.

If a single day NAV movement easily can go +/- 3% , then whether the 1.5% SC would even be a factor at all depend on the date you redeem it.

This post has been edited by killdavid: Mar 3 2021, 12:08 PM

Bulk and wholesale discount plus not having the need to give a cut to the sales person that sold you the units.

Some people like to do business with human touch ...account manager, sales , customer service.
Some like transaction quick and efficient with no human interaction. Depends on person

This post has been edited by killdavid: Mar 3 2021, 02:44 PM

LOL. Me an agent? No.
You for sure don't need it. Lots of non tech savy people need to reach out to someone for advice and help to invest.
You need to know your customer demographics. Thinking how it only works for you don't make a good business strategy.

Maybe time for this disclaimer:
This is just my opinion. I'm not an agent Do your own research. Bla , bla, bla ...*** bla

This post has been edited by killdavid: Mar 3 2021, 02:58 PM

You're referring to Robinhood case ?
That is real messed up. Robinhood sells you data to big fund houses. That way they know retail investors are starting to sell off then the big houses can short those stocks.

Now this is a real buying opportunity

I'm in. I know I trust Cathy more than I trust local fund managers that come on once a year to tell you so and so is undervalued and we should buy. That's all.
With Cathy I understand the investment philosophy of the fund and it is being updated monthly or more if you care to tune in. Her philosophy is sound, the thing out of their control is the valuation of tech stocks as institution and retail all copy her. Now that the valuation is more grounded in reality, it is a good thing. I don't expect the world to abandon technological progress.

Edit: this is not financial advice. Do your own research.

This post has been edited by killdavid: Mar 4 2021, 09:28 AM

Aiyo these questions are always difficult for me. I have a legacy portfolio in PM and current in FSM.
I count based on FSM only lah. Currently, it stands as 7.5% and I plan to add more if the opportunity comes to maybe 15%. This is just Cathy's fund. I also hold other big cap tech fund as well in TA GTF.

I am in unker teritory la ...previously was around 45% FI. Now want to try and beat inflation so rebalance. Overall not really pumping fresh funds in.
If want to count cost invested. PM:FSM is 25:75. But due to time in market, the current value ratio is 50:50.

Via offshore account? A lot of efforr

oofff....another day of red sea in asia ...

are you not employing the DCA method ?

I see.... the general consensus from financial commentators is that this will continue until next week. Brace yourself.