so with you it's all or nothing then? in terms of taking it out.

Much agreed. From a layman's perspective, I don't think "skimming" profit actually does anything to protect capital or mitigate risk (if only the profit portion is sold). Plus the money will be floating yet again for the entire duration of the switch/buy/sell transactions AND you will have to incur SC once again when buying into another equity (not if intra switch/credit ninja trick is performed).

Furthermore, isn't selling off and buy back when low "timing the market?" Let's not get back into that. If one can do it timely and consistently, good for you! I know I can't..

The only time skimming profit to put in another less performing/greater bullish potential fund, in my opinion is when there is no new capital injection and thus performing rebalancing of the portfolio. Otherwise why not just VCA and avoid the "expensive" fund for the tine being?

Please correct me if I'm having the wrong perception of things here. After all I'm still learning as I'm investing.

thanks man. i'll look into these funds. any idea why registering with FSM requires EPF account number?

AmAsia REIT seems to get more love here than MANULIFE ASIA-PACIFIC REIT.

Anyone want to elaborate on this ?

Different sector. Hence asking you to pick both.
I am holding both just to experiment and see which one give me the returns. So far, Manulife is beating Amasia hands down.
How did you make it so colourful?

this. perfect example of sikit sikit akan menjadi bukit. doing good there little brother

Roughly adds up to 80%? 20% uninvested/cmf?

I started about the same time as you do. And I'm nine streets behind 

Entrance 2 August 2016
ROI 4.27
IRR 11.73

Of course not. Thought about it then cancel as IMO,  it's not worth it. I am more of autopilot person. Doesn't want to moniter so much. 
Reasons:
(i) well to get ammo for my next SG trip in march
(ii) 12% profit is better than no profit right? Cut loss while it's still climbing
I believed 10% is doable. (United asian HY bond fund a perfect eg) 15% if you got nerve of steels.
Agreed with Avengelice. If they stop the tax relief, will not buy anymore.

What so special about this United Asian HY bond fund ? Around 20% return for previous year ?

It's a AP bond fund which give 10% returns per year. Not as volatite as RHB ATRF
Min starting amount is rm10k. You got the moo? ?

For SG part United asian HY bond only need sgd1k. Way lower than here.

Save TT charges and self forex = go there and deposit money?

Another silly question. To be eligible for the PRS Youth thing. (Yes, I'm still young.) It's stated there gross contribution needs to be RM1000.
However, if we put in RM1000 for the first time, service charge and administration fees would be deducted from the gross sum giving a nett investment amount of less than RM1000. In such instance, do I need to top up to make the gross amount RM1000 so that I would be eligible for the incentive?

From the website, "minimum contribution amount must be a gross amount of RM1,000 which is inclusive of all fees and charges."  So I assume they shall overlook the account balance which is less than RM1K.

How to calculate the R/R ratio?

Starting of the decline again? 
Which means Ponzi 1 will be affected.. 

Who asked you to do RSP?  Manually topup la.   
You are free to choose when to topup.
Could be cause by this?
http://www.freemalaysiatoday.com/category/...n-payment-fail/

Prudential, its pay first then claim back.

To be honest, i a bit regret buying insurance, the insurance fund performance is really bad. I selected 50% AP reit and 50% local equity. Let me tell you guys, i kinda expected it to be like amreits and kgf, but its so sucks, it cant even beat epf. 2016 is bad, ok, i cant blame them, but 2015 and 2014 is bad also, i dont know what to say.

Luckily, i select the one with lowest retirement saving, lowest death benefit. If i put everything on insurance, i  probably cry everyday when i retired.

hmmm... interesting. never seen someone doing all bonds. I would suggest you either back Libra asnita over kaf reasoning risk to return ratio.

also 30% to esther bond
30% rhb emerging market bond
20% to Anita bond
20% to rhb islamic

Thanks for the feedback. Mind to elaborate on the risk to return ratio? According to FSM site, Anita has slightly higher 3 yr risk-return ratio compared to KAF.

oh really? pardon my mistake then as i always thought Anita would be a better performer....unless....

head to fsm. look for the fund selector tool and select all bonds you are interested in. it will give you a snapshot of their possible performance

Thanks again.

dont seem to be able to search for united asian high yield bond from fsm, is it listed under other platform?

It's a wholesale fund. Here you go
https://www.fundsupermart.com.my/main/fundi...nd-MYR-MYUOBAHY - MYR
https://www.fundsupermart.com.my/main/fundi...d-SGD-MYUOBAHYS - SGD
https://www.fundsupermart.com.my/main/fundi...d-USD-MYUOBAHYU - USD

so this fund is open to all fsm subscribers?

after looking back...yes..i think it is
but with more choices

and i saw this too...altenative investment