Share here what are these 7 funds.

At least balance portfolio it is to diversify and spread the risk and it is highly unlikely that all 7 will be in one way 🤦‍♀️ not like you said earlier cannot switch 🤦‍♀️ as I think you should read up more on asset allocation and managed portfolio

Thank you for the responses. Few things and strategies i got from all the replies:

Yes its true if I really think about it, switch or not switch, my total investment is still the same. So why not do the switching.

Lowering the allocation and stop the allocation instead of switching are strategies I will look into.


And my bad it actually 8 funds haha. Like I said I just went into UT without proper planning just want to get the experiences. So I think my portfolio is pretty unbalance.

Here is my current portfolio:
Principal islamic asiapac dynamic 10%
AHAM aiiman asia (ex japan) growth 20%
Eastspring dinasti 20%
Aberdeen world 10%
Interpac dana safi 10%
Principal islamic small cap 10%
Maybank sukuk 10%
Amanahraya shariah trust 10%

And here my planning for my new portfolio:

Aberdeen world
Dana makmur pheim
Principal islamic aisiapac
Amanahraya syariah trust

All funds with good track record of more than 10 years.

Quite decent choices diversified in different asset classes.

Hi any sifu here
need some advise
i still holding this 2 fund
1.Affin Hwang World Series - Global Disruptive Innovation Fund - MYR Hedged
2.Affin Hwang World Series - Next Generation Technology Fund - MYR Hedged
3.AmChina A-Shares - MYR Hedged

should i change fund or keep?

Mind telling how many % are allocated to each of these 3 funds in relation to you investable money?

Are you asking because you bagging losses on those funds? 🤦‍♀️

[quote=xander2k8,May 9 2023, 12:52 PM]
Are you asking because you bagging losses on those funds? 🤦‍♀️
40% lost now

its only 10% of the investment

10% each or 10% total (3.3% each)?

BTW,
Affin Hwang World Series - Global Disruptive Innovation Fund - MYR Hedged and
Affin Hwang World Series - Next Generation Technology Fund - MYR Hedged

I think they are of almost similar mandates.
If want, can try reduce both of them by half each or remove anyone of this 2.

This post has been edited by MUM: May 9 2023, 03:09 PM

Either you trim or you hold only

Not similar mandates 🤦‍♀️ but similar fund that invest in the similar industries

Disruptive is feeder fund to ARKK while Next Gen is feeder fund to Blackrock future tech fund as their holdings are vastly differs to each others 🤦‍♀️

BTW, I did not say similar mandates...I said almost similar mandates

Sad to see this sub being inactive when you know everything has turned to shit. Fixed income to equities.

because market is dead af and nothing seems worth investing in, unless you
1) you have long investment horizon
2) good holding power

investor who fulfill the above might have been quietly collecting what they believe is right

I have been tracking fixed income funds and their ytd performance seems to be at average 3.4%. Looks like a good place to park savings/funds

Been using fsmone RSP for US ETF for a year, weekly contributions with the free process fees promotion last time.

Gonna change to RSP monthly with the process fees.

Anyone also doing RSP with fsmone?

You can rsp with interactive broker. Cheaper too. Not to mentioned you got access to fractional shares.
https://ibkr.info/article/4470

I just opened IBKR account few months ago. So far what I found for RSP US ETF is
IBKR = MYR > SGD > USD then invest, compare to FSMOne = MYR > USD then buy.

Seem like FSMone is easier, and the foreign exchange rate for USD are same as what I can google.

Both charges 1USD for each RSP, same commission.

I guess both of them are similar for RSP US ETF?
Except IBKR can buy/sell US share easily and cheaper.

Do I miss anything?

Yes. IBKR rates are spot rates. You won't get access to spot rates easily. Spot rates is essentially market rates without any markup.

I'm using FSMOne for RSP but only monthly though. Weekly seems too much IMO. I've enabled FPX E-Mandate to make it auto. Used Rakuten before but I'm not a big fan of their app and UI but they have cheaper fees.