before 3pm cut off , about morning 9am , via FSM payment shown received .

for now I have 2 funds in FSM, both kinda lesser risk
Affin Hwang Select Bond Fund
RHB Asian Income Fund

Will like to go more into equity this year, am considering these 2
Principal Asia Pacific Dynamic Growth
Principal Global Technology Fund

Which one should I choose between these 2? anyone holding the above?

Thanks

Another new month another blow-water session.

My Dec 2020 statement of account just in.

Dec 2020 was a good month. Got a 1.6% gain.

Total One year gain = 4%

My investment gung-fu is worse than KWSP manager

Xuzen

can try compare it with this?
United ASEAN Discovery Fund
https://www.fsmone.com.my/funds/tools/facts...c=fund-selector

Correct me if I'm wrong...I'm thinking that, if a same fund is listed in both fsm my and sg:

The platform fees will be based on the current value, not the initial investment. So, it is impossible to calculate accurately the difference in cost between the initial sales charge vs platform fees as we do not know how the fund will perform in future.

Assuming the fund was stagnant, fsm sg would be cheaper than fsm my up to 17+ quarters. Highly unlikely that a fund does not grow, and we still keep it so maybe with growth, ballpark, 12 quarters, or 3 years.

Most people (I hope) keep their units way longer than 3 years, so, the initial sales charge method still seems more worth it?

*This of course does not take into account the fact that some (many) people might wish to keep their assets in Sg rather than My, hence the appeal of Fsm Sg.

**Disclaimer: I have both fsm my and sg accounts.

Hi guys,
Does anyone have invested in UNITED MALAYSIA FUND?
Did your fund's unit split (distribution) have executed?
I do notice the pricefall in my fund's NAV price, and overall profit is about ( - 40%).
When will they split units as the price already adjusted?
If anyone have invested in it via FSMONE, please let me know if the split units has updated & displayed in your funds holdings.
Because my holdings in "EUNITTRUST" haven't update.
Kinda worry.

Btw, these my allocation for discussion purposes.

Need any improvement ?

All comments are welcome
                            Allocation.
■Asia ex Japan        2.84%
■US                      10.03%
■China              16.17%
■Malaysia              0.56%
■Greater China      20.25%
■China India      6.55%
■Global              43.60%

Hi all,  i attached my portfolio here for discussion,  do i need to adjust any percentage ?  Any possible improvement ? Tks.
        Fund                                                                %
1 Affin Hwang Select AP (Ex Jpn) Balanced Fund - MYR 1.3
2 Affin Hwang World Series - Global Disruptive        5.5
3  Innovation Fund - MYR Hedged                                15.0
4 AmChina A-Shares - MYR Hedged                        5.3
5 Manulife China Equity Fund                                        6.2
6 Manulife Dragon Growth Fund - MYR Hedged        10.7
7 Manulife Investment Greater China Fund                1.2
8 Pheim Asia Ex-Japan Fund                                        1.2
9 PMB Shariah Growth Fund                                        10.8
10 Precious Metals Securities                                        6.0
11 RHB China India Dynamic Growth Fund                  7.0
12 RHB Gold And General Fund                                2.5
13 RHB Gold Fund - MYR                                                7.0
14 RHB Shariah China Focus Fund - MYR                        6.2
15 RHB-GS US Equity Fund                                        3.5
16 TA Global Technology Fund                                        1.3
17 United Global Quality Equity Fund - MYR Hedged        3.2
18 United Global Technology Fund - MYR                          2.3
19 United Global Technology Fund - MYR Hedged        1.3
20 United Golden Opportunity Fund - MYR Hedged        6.0

Any experienced investors care to rate my portfolio, advise on the next steps, and comment on my plan below? planning to be in it for the long game.

Current Porfolio:

Fund	%
Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund  - MYR	20%
TA Global Technology Fund	20%
Affin Hwang AIIMAN Asia (Ex Japan) Growth Fund - MYR	30%
Principal Greater China Fund – MYR	30%

Plan:

I'm thinking of increasing proportion of

1. `Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund  - MYR ` to 40% of holdings, and
2. Fixed Income / Bonds / Etc 20%

Any recommendations on Fixed Income funds / Bonds or other lower risk investments to diversify and balance my portfolio?

Any experienced investors care to rate my portfolio, advise on the next steps, and comment on my plan below? planning to be in it for the long game.

Current Porfolio:

Fund	%
Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund  - MYR	20%
TA Global Technology Fund	20%
Affin Hwang AIIMAN Asia (Ex Japan) Growth Fund - MYR	30%
Principal Greater China Fund – MYR	30%

Plan:

I'm thinking of increasing proportion of

1. `Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund  - MYR ` to 40% of holdings, and
2. Fixed Income / Bonds / Etc 20%

Any recommendations on Fixed Income funds / Bonds or other lower risk investments to diversify and balance my portfolio?

Hi sorry late question, any sifu care to enlighten what happened to Dana Safi in April 2020? That's very sharp performance turn.

Hello, thanks for the suggestions, but I can't find the Fund Selector is unable to find the `RHB China Bond Fund`. Or am I looking in the wrong place.

Also, please do share your concerns with the TA Technology Fund. At a glance, it appears to offer greater diversity in Tech related equities on a global scale compared to `Principal Greater China Fund – MYR` or `Affin Hwang -Ex Japan` funds which are more focused on China.
Thanks for the suggestions. I thinking to pull out of

1. TA Global Technology Fund
2. Affin Hwang AIIMAN Asia (Ex Japan) Growth Fund - MYR

and go more into:

1. Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund  - MYR
2. Principal Greater China Fund – MYR
+ 1 more FI/Bond fund.

Another note, the Fund Selector is not able to find a number of the suggested funds. Only one that I can find that is similar is RHB i-Global Sustainable Disruptors - MYR Hedged, and this looks to be a new fund started from this year.

Sorry,  yesterday reached my daily post quota ( 3/day ) not able to update in time..  ;(

Here is the updated data, pls comment for improvement   Tks.

FD matured today, not putting back into FD, will put in Franklin U.S. Opportunities

https://www.fsmone.com.my/funds/tools/facts...c=global-search

US equities FTW

No need to salute me    am just diversifying my money, and US still looks good to me
I have 2 funds already in China since Sept 2020, just diversifying my money

where can buy AmChina fund?

Does the subsequent investment  per month  get  sales charge ?

reverse all the above and U get a good repeatable simplified process 
focus on plan-able & execute-able, track track track XD

i'm still guilty of several of the above, from time to time.

I'm guilty of ALL of the above except item 8 Mistake #8 Too conservative early in life - may be too aggressive XD
well i was updating and calculating /trading DAILY (on top of passive investing) till 2018 - sometimes up to 5am+/- coz of US daylight saving time, thus welcome! 
misery loves company or fools flock together - take your pick XD

dont worry about being late to the game - hell, i rebooted everything in 2008, started from near $0 cash due 1 major bad life's decision.
learn the proper game, use the rules to your advantage where possible - if i can more than recover, anyone else can do better.
note - i'm just a worker / salaried slave & have kids +from a Gov servant father & home maker mum (ie. no silver spoon)