congrats on the small -0.6% MoM drop in your DIY portfolio!

mine pula dropped -3.2% MoM. sadz.

hi guys, was wondering if anyone have insight on the difference between:
i) China A Share Funds (i.e. RHB Shariah China Focus Fund or AmChina A-Shares) vs,
ii) Greater China Funds (i.e. Principal Greater China Fund & Manulife Investment Greater China)

based on the fund factsheet, seems like A-Share Funds invests in companies that serves the Chinese locals, whereas the Greater China Funds focus on more 'international' brands that are based in China like Alibaba & Tencent. Is that it?

and also, what would be a good strategy? pick either one fund or hold about 50/50 between them? i plotted the trend for both funds and they move quite in parallel (both funds go up and down same time but different magnitude). so far A-Shares is 'winning' but just wanna get your opinion.

P/S: I'm currently just holding Principal Greater China. Just thinking if I'm missing out by not adding A-Shares Funds into my China portfolio

cool. do you reckon those Greater China Funds hold domestic China stocks (A-Shares)? if they do, then best i just invest in Principal Greater China alone. more diversified?

Good News: None of my funds are in the bottom performing list
Bad News: None of my funds are in the top performing list



congrats to those who tightly held onto their Malaysia-centric funds in Q3!

i noticed this too and got a bit worried about my United ASEAN Discovery Fund. Luckily it's still very much in the green.

guess this fund manager knows his sh*t.

here's all my funds in FSM, and to anyone else interested:

- United Global Quality Equity (MYR): 23%
- AmBond: 21%
- TA Global Technology: 20%
- United ASEAN Discovery: 14%
- Manulife APAC REIT: 11%
- Principal Greater China (MYR): 11%

'macam' being the keyword, haha. it's really just a matter of deciding which sector or geography to invest in and then picking the related top performing funds.

it's funny you mention that there are no UOB funds in the FSM recommended list. although i already have two in my portfolio (United ASEAN & United Global Quality Equity), I have been studying for a while now whether to transfer my TA Technology to United Global Technology

see attached snapshot for my fund performance so far. TA Global is in first place followed by United ASEAN. But i do have to follow up with the below disclaimer.

Unfortunately, I was blindly investing in Public Mutual from 2009 to 2019. I only got serious with my unit trust investments in Jan 2020 and jumped onto FSM. Means I've only been on FSM for 10 months. Also, I do have fixed monthly RSPs for all the funds but on months I saved up some spare cash, I will dump them all into whichever fund I think is underperforming that month.

Guess what i'm trying to say is I'm still quite new on FSM and I don't conduct a consistent monthly DCA to allow for a fair comparison among my funds. so please take the result below with a large pinch of salt


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i'm actually loading up on REITS, haha. it's the only fund in my portfolio that still hasn't fully recovered from COVID19, so technically, it's 'cheap' to buy now.

let's see if Mr. Buffet's advice to 'be greedy when others are fearful' will pay off

There seems to be a rise on these type of funds. i think they call them "Thematic ETFs". basically they bet on 'the next big thing' i.e. electric cars, genome, AI, fintech, etc. They prioritize potential growth over current profitability in their stock selections. See here, looks like their bets have been paying off so far with a 31% p.a. growth since inception (2014).

I might be down to allocate 10% of my portfolio if this fund is ever it is made available in FSM just treat it like a 'gambling' portfolio.

aaaww, i was wishfully hoping they also upgraded existing Silver members to Gold, hehe.

P/S: they didn't

wanna ask, UOB funds having closing isit?

their funds no updated pricing yesterday.

my AmBond also doing crappy these few days. I find that it closely tracks the All Bond Index in BPAM site below:

Bond Pricing Agency Malaysia

look for the daily updated "Refinitiv BPAM: All Bond Index" graph somewhere before the halfway mark of the website. good news is, looks like it will go up a little on the next pricing update.

i just want to check if it's my own PC setting problem or it's the FSM website problem.

on my chrome PC browser, every time i snap my window to the left or right, the below will come up.

you guys encountering the same thing?


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Sigh, because of these two news, the TA Global Tech Fund terus drop 3% in a day

i) China tech selloff deepens to over $269 billion after new antitrust rules

ii) [USA] Tech Stocks Lead Market Declines After Big Rally

yea i tend to agree with this statement

not very easy ler to find a fund that consistently gives 5 - 7% every year and summore promise a minimum of 2.5%.

if not because of the 55 yrs old withdrawal thingy, i would have just dumped all my investable money into EPF. no need to bother trying to manage my own investments.

maybe you could run a long term experiment to test out this theory for yourself. it is sometimes easier to 'see it to believe it'. so say you got RM10k overall investable fund right now.

RM5k you put into a globally diversified large cap unit trust (Principal Global Titans?) and dump RM100/month or whatever inside. Don't change no matter the market up or down. We call this the 'boring portfolio'.

Then another RM5k (along with additional RM100/month), you do your own allocation (i.e. some in Large Cap, ASEAN, Precious Metals, Greater China, Healthcare, etc) and make constant adjustments based on your sources. We call this the 'active portfolio'. I guess kinda like what you doing now?

Check back after 5 years and compare the total ROI%.

first time buying fund with the new system. does anyone else feel a bit insecure coz dun have the "Existing Fund" label when you select your existing funds to top up?

got fear that i might add the fund with the wrong hedge or slightly different name, haha.

so my monthly investment amount can sometimes be more than my initial investment amount @.@ so i just sked i accidentally go open new fund pula with very similar name. need to constantly double check that i got the fund name exactly right before clicking 'confirm'. haha.

last time i just see the "Existing Fund" label, hati lega alrdy.

yea i tried this which is great but i do make multiple top ups per transaction. the first fund is fine, but then i still need to worry about the 2nd or 3rd fund that i top up as i put them in my cart, haha. nevermind la, i go rant to FSM clienthelp.

thanks by the way!