the laosai is worst than our market lol..

I tend to think Nikkei can often go different direction from the rest of the markets.

Nevertheless, Hang Seng is green now.

The markets go up and down...
In the long run...

The main points are whether you have the investment acumen to stay put, and in a long down thread, the purchasing power to invest more.

In both cases, you will be a winner (with positive ROI), in the later, bigger winnings with higher IRR.

There's a bit of crosstalk in this UT thread because there are all sorts of investors talking here, looking at the same thing with different perspectives. Some come from fixed price ASB-type fund background, and not used to seeing the daily price changes, as they don't have any nav price to see and only see the annual dividend.

The good thing about UT funds is that you can built a portfolio to your liking. It can be conservative with stable returns annually, or can be volatile with lower annual returns in one year and higher returns the next year.

The problems begin when investors want fast and high returns, and were not expecting the volatility. In other words, they had taken on funds in a fast growing market, and only realise they don't have the stomach for volatility when caught in a downturn.

If you want fast and furious, then be fast and furious when the market rebounds... how long the market will stays up does not matter.

For now, I am using FundSuperMart, purely to purchase CIMB-Principal PRS Plus Asia Pacific Ex-Japan Equity - Class C.

Having said that, upon account opening, FundSuperMart has assigned a Client Investment Specialist to me.

There should not be any problem, if I choose to ignore this Client Investment Specialist, right?

We are supposed to use DIY approach in investing in FundSuperMart, without any help from Client Investment Specialist.

If I had Rm2k and would like to start investing in a UT, which fund would be the best to start with at this point of time. My risk profile is Moderate. My goal is to get as much returns in 1 year. Will keep adding as time goes by. Any suggestions from the sifus here.

And this type of price manipulation is why those noobs who look purely at historical price to make purchase decision will be in trouble.

UTMC will on their own accord, arbitarily decide to "manipulate" the price for markerting and promotional purpose.

And silly noobs will bodoh - bodoh buy thinking it is cheap....

Xuzen

  what is the total % of allocation in the China/hk/taiwan regions are in your portfolio?

IF u planning to do top up every month.. And u r able to come up with 5ksgd and able to come up with minimum 1k SGD per month for top up. I would suggest u to go for FSM sg. MAps.. They don't charge subscription fees.Just 0.5% per
annum. If you are going big monthly, it is worth it because TT to Sg will only cost u rm10  and there are cheaper ways like moneymatch or opening a saving there. Their performace for aggressive up till nov is 15%.

If i were to sell a fund today, is the fund sold at the days price or the T+7 day price?

Both correct, some 2pm, some 3 pm, depends on fund house