EQ/FI funds or CMF?

in FSM i think ONLY CMF or similar fund, the Nav can be known before purchase....

Q: WHAT KIND OF PRICING METHOD DOES THE CASH MANAGEMENT FUND USE?

A: The fund will be priced using Historic Pricing method, instead of Forward Pricing method used by most of the unit trusts.
Investors who transact a buy or sell transaction on the Cash Management Fund on a Monday or the first business day after the public holiday(s), will have the price of their units determined on the calendar day* immediately before the date of transaction.

* A calendar day includes Saturdays, Sundays and designated public holidays.

Q: WHY IS HISTORIC PRICING METHOD USED FOR THE CASH MANAGEMENT FUND?

A: By using the Historical Pricing method, there will be NO lag time when you place a unit trust buy order using Cash Management Fund or switch your Cash Management Fund into another unit trust. This would mean that the unit trust you wish to buy or switch-buy will be transacted on the same day if the buy or switch order is placed before 3pm on any business day.

https://www.fundsupermart.com.my/main/faq/0...t-Fund-2-9718#8

if aiming for just 5% returns.....
I would aim for ASNx Fixed Priced funds.....
if I am at retirement age I would self top up into KWSP

If i am not mistaken...the iportfolio webtool ( link as in post# 1).... got show portfolio volatilites %

the hope depended on how much in bond n how much in cmf

to add on to my above replies

I think you had mistaken (just thinking only-ya), the YTD of 10.3% on 1 Jan 2017 is your confirmed gain when you sell on 16 Feb 2017. The NAV of a fund (especially CIMB GCEF), can be volatile, the NAV can fluctuate a lot in a matters of days, thus, so can "that" gain too.

This post has been edited by T231H: Feb 19 2017, 11:39 AM


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if you are just a student...
therefore you will most probably have about 30 yrs till normal retirement age...

assuming if you wanted that money to use for that.....I would say, cut off that Bond fund allocation...go for something that has more growth prospect for 10 ~15 yrs....then watch and realign that portfolio composition when the time come

assuming if you wanted that money to buy a car or a property in the next 5 yrs or more.....then the above portfolio is good to go.

assuming if you wanted that money to pay for your study loan in the next 4 yrs or less.....then I "think" you should increase the Bond allocation.


Don't be too concern about "Service Charges"...Don't let it be a part in any allocation or determination factor in your portfolio composition selection, allocation and rebalancing when planning for long term investment.....for these Sales Charges will be amortised it self in longer term.......unless you wanted to "trade" unit trust funds very frequently.

This post has been edited by T231H: Feb 19 2017, 11:09 AM

according to FSM....
https://www.fundsupermart.com.my/main/faq/1...form-Fee-8467#7




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1) For a start you can follow the fsm recommended portfolio. To ignore the bond fund or not is up to you. I just think, you don't need it as a counter balance drag in a portfolio of 25 yrs time frame. Also a 10% "less volatile" bond fund in a portfolio will not do much to mitigate the risk of an aggressive portfolio that much. (for a portfolio drops of 10%, with a 10% FI fund in it ...it just dropped 1% less)
2) Then, you need to monitor yr portfolio during the bad times...yes the bad times like corrections. That is the only time you will really be able to feel it emotionally whether you can really continue with UT investment for the longer terns of 25 yrs.
These cycles of bad times will always return periodically with different intensity n duration. If you cannot stand the heat go for some other not so aggressive portfolio or just plain FD, nothing to be ashamed of or bad of it......as long as you can sleep peacefully during those bad times.
3) There is really no optimal portfolio or funds to have permanently. You need to monitor and drop it, exchange it, increase or reduce its allocations from time to time....1 way is follow the fsm star rating or recommended portfolio or funds. Ut investment is not a buy and forget for 25 yrs...
(just look at the number of changes made to the FSM recommended portfolios all these years, you will see, it is not a static affair)
4) what were suggested here in tis forum or by other professionals or fsm website is just a guide....you can start it then make adjustment along the way and yearly do a rebalancing check up.
Happy UT investing adventure....YES, it is to me an adventure. For i learnt, still learning, more be explored, feel, see n etc, etc. Just monitor the journey periodically and make provisions/corrections adjustment if necessary.

on this "any recommendation of fund that can complete my portfolio? In terms of optimal diversification and good risk reward ratio."......my suggestion or perhaps from others too may not be suitable to your likings or my or their likings too. What is now optimal may not be optimal few months later.......what was a good risk reward ratios may not look good few years later.....
Do You Use Your Rear-View Mirror To Invest?
August 14, 2015
Extrapolating historical performance can sometimes be detrimental to investing; we suggest investors avoid relying too much on their “rear-view mirrors” when they invest.
Author : Fundsupermart
https://www.fundsupermart.com.my/main/resea...gust-2015--6172

This post has been edited by T231H: Feb 20 2017, 08:10 AM

This post has been edited by T231H: Feb 20 2017, 02:28 PM

be careful of what you wished for....
most would like to jump on the current wagon.....when the markets corrects, most would curse and swear that this thread is 'tipu" full of conman....

i am just scared they have not time to take profits.....

FSM had already highlighted.....
Are Asian REITs Still Attractive? [3 February 2017]
https://www.fundsupermart.com.my/main/resea...uary-2017--7959

with all these....no wonder you managed to convince your bf to join in...Good action..

How Women Can Boost Their Financial Confidence
https://www.fundsupermart.com.my/main/resea...Confidence-5625

Why Women May Be Better Investors Than Men
https://www.fundsupermart.com.my/main/resea...en-vs.-Men-5855

Why Women May Be Better Investors Than Men
https://www.fundsupermart.com.my/main/resea...s-than-Men-5696

5 Money Rules Every Woman Should Know
https://www.fundsupermart.com.my/main/resea...Should-Know-276

hope this can provide some answers to your questions....
Making sense of Unit trusts
http://www.moneysense.gov.sg/~/media/Money...sts_English.pdf

What is a unit trust or fund?
http://www.moneysense.gov.sg/Understanding...nit-Trusts.aspx

from what i read...some are having 4 while some are having 18....
they all have there own reasons...
no right or wrong...just your money and as long as you are happy, buy, sell or hold.

Add in the % for each allocation?
Try read page 37, post 731....something to ponder about while you allocates

This post has been edited by T231H: Feb 20 2017, 06:04 PM

I personally would use the epf as a fi fund in my portfolio

opportunity cost of withdrawal $$ from EPF is abt 5.7% pa.
if possible don't touch EPF but use cash

if you use cash, then you will still get all the above plus you don't need to find an alternative to this presumably safe 5.7% instrument.