If we can change our mindset and substitute the words 'red', 'market down', 'bear' with the words 'mega sales', 'buying at a discount', etc. we will all make money.

Wah, this is must be one of the most active thread in Low Yat.

I read all the posts about dropping portfolios. Out of curiosity, I logged into my FSM account which I have not done for some time. 3 different accounts, OK lah, still green, nothing to shout about, but better than FD rate.

Then I checked the managed portfolios. 2 separate accounts - Moderately Aggressive Portfolio and Aggressive Portfolio. Fuh, both dropped and are now in the negative zone.

I think the worst performer in the managed portfolio is United Japan Discovery Fund - MYR Hedged which dropped about -24%. What fund is this lah? I am sure it wasn't there when I logged in the last time.

I think the fund manager sold Nikko AM Singapore Dividend Equity Fund - MYR Class to buy the United Japan Discovery Fund.

Ah...good to hear that there was a distribution in United Japan which caused the drop. I dunno where the extra 4% drop came from. Maybe my maths calculation failed.

Time flies my friend.

This is the 3rd year I am reading your inspiring year end message.

May you and your family be blessed with happiness, good health and wealth.

Finally I switched out from all my RHB Emerging Bond Fund and Affin Hwang Select Bond Fund. I just check my portfolios periodically. Walao eh, beh tahan, these two bond funds dropped non stop for one year.

I first started investing in unit trusts about 12 years ago. Now I don’t even bother checking my FSM portfolio regularly.

I still sleep Zzzz every night.

Ohmmmmm, this too shall pass. 😀

Likewise for you, Wong Sifu.

Middle age investors like us have to manage the stress level carefully, otherwise the heart cannot take it.

I give you one Xuzen.

Without fail, you will post this message every year.

Happy New Year everyone.

It is an investment year that most of us would rather forget. We may have lost the battle but we have not lost the war yet.

I am just continuing my DCA plan as per usual. ZZZ

Ways to save the 1.75% service charge...the Vanguard Ninja trick.

Has FSM closed this loop hole yet?

Sorry mate. I don't know the answer outright.

Please google the Low Yat thread. There were previous threads opened on this topic.

:

May I know what risk portfolio you choose in Stashaway?

Fuh. High risk. Titanium balls.

Thanks for the reply, bro.

Yep. Different people, different risk appetite.

Good idea.

I only buy the CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity for tax deduction purpose.

RM300 x 12 months = RM3600, maxed out already.

After all (please correct me if I am wrong), we cannot withdraw it until we reach 55 years old.

My 2 cents view, Asnita Bond Fund seems quite stable. I have it in a few different portfolios.

My bad. You are right. It is RM3000.

Hear! Hear! I have already sold off one of Managed Porffolio and transferred it to StashAway.