a shoutout to all the contributors in this thread, a lot of selfless advice and help as I've read through the bulk of this thread. Good job!

A few pages back I mentioned that I decided to invest heavily into UT. The following are just some of my thoughts after a week of reading. I'm currently in the legal line but I was also did a few finance subjects during uni, so going through the various funds, reports and analysis did bring back a lot of fond memories.

The below are just thoughts, and not opinions. It represents what I do take into account before plunging into UT.

Thought #1
"Be fearful when everybody is greedy"
We have seen the market shooting up to record highs in the past few weeks. Valuations appear to be sky high at the moment. One thing I have to learn is how to read valuations properly and make my own assessment. I ask myself, why am I entering the market now? Is this a herd mentality?

Thought #2
"It was always a record high, until it is repeatedly surpassed"
This is probably an issue of timing the market. Again having some fundamentals to properly value the market is important.

Thought #3
There are a lot of concerning geopolitical issues in the world right now. These are your europe elections, North Korea factor, Trump factor, China shrinking factor, India factor, technology industry. Some lessons on accurately differentiating from puffery from real solid data is needed. This probably involves individual stocks rather than UT as a whole. However I guess fund managers track record and characteristic then becomes important. Is he/she someone who only chases short term gains or long term goals.

Based on the above, I've decided to split my investment half. Half into UT and half into purchasing below market value properties.

From half my UT, I will enter into UT in a staggered manner to continually monitor the issues highlighted in Thought #3. Probably 40-50% first then the rest in 10% increments.

My investment horizon is 10 years, and target is 8% per annum. I have confidence in Malaysian market so I've allocated slightly higher. I have less interest in other emerging markets as I just do not trust these places.

My proposed fund allocation is as follows:
35% AH Select Bonds
15% libra dividendextra
10% AH select dividend
10% Interpac dana safi
10% Manulife india
10% TA global tech
10% CIMB AP dynamic income

a shoutout to all the contributors in this thread, a lot of selfless advice and help as I've read through the bulk of this thread. Good job!

A few pages back I mentioned that I decided to invest heavily into UT. The following are just some of my thoughts after a week of reading. I'm currently in the legal line but I was also did a few finance subjects during uni, so going through the various funds, reports and analysis did bring back a lot of fond memories.

The below are just thoughts, and not opinions. It represents what I do take into account before plunging into UT.

Thought #1
"Be fearful when everybody is greedy"
We have seen the market shooting up to record highs in the past few weeks. Valuations appear to be sky high at the moment. One thing I have to learn is how to read valuations properly and make my own assessment. I ask myself, why am I entering the market now? Is this a herd mentality?

Thought #2
"It was always a record high, until it is repeatedly surpassed"
This is probably an issue of timing the market. Again having some fundamentals to properly value the market is important.

Thought #3
There are a lot of concerning geopolitical issues in the world right now. These are your europe elections, North Korea factor, Trump factor, China shrinking factor, India factor, technology industry. Some lessons on accurately differentiating from puffery from real solid data is needed. This probably involves individual stocks rather than UT as a whole. However I guess fund managers track record and characteristic then becomes important. Is he/she someone who only chases short term gains or long term goals.

Based on the above, I've decided to split my investment half. Half into UT and half into purchasing below market value properties.

From half my UT, I will enter into UT in a staggered manner to continually monitor the issues highlighted in Thought #3. Probably 40-50% first then the rest in 10% increments.

My investment horizon is 10 years, and target is 8% per annum. I have confidence in Malaysian market so I've allocated slightly higher. I have less interest in other emerging markets as I just do not trust these places.

My proposed fund allocation is as follows:
35% AH Select Bonds
15% libra dividendextra
10% AH select dividend
10% Interpac dana safi
10% Manulife india
10% TA global tech
10% CIMB AP dynamic income

Solid post and you seem to have the right mindset behind all this but whats the reasoning behind the bolded fund? Overall I agree wholeheartedly to your post

I started reinvesting 2-3 months ago after a 4 yrs hiatus  One of my good mates recommended me this fund so I purchased some. Don't plan to switch as it has given me some decent returns. He's also monitoring it for me and will update me should I need to change. Frankly I did zero research and one shouldn't do that.

I think as of today It fits my risk profile, as I'm looking for exposure to world market with an income stream. Not too volatile as well.

My allocation is 35% relatively safer, 25% relatively safe,  40% aggressive. All this assumes things don't go to absolute shit, which I also already have a contingency plan to quickly switch out.

I already have small small stocks which I purchased post 2008 crisis. My overseas retirement fund also have done relatively well just tracking the world equity prices. About 50% return in 4 years without any tracking whatsoever. Just pure luck.

As i monitor world news on a daily basis as part of my job, I hope I can smell a crisis from miles away and have the courage to respond accordingly.

Also am I right to say that if RM do strengthen, this will have adverse impact on funds that have an overseas exposure? My uneducated thinking is that the fund is worth xxx today due to forex, and if RM strengthens, the fund value automatically decrease to reflect current forex levels?

If the fund manager is good he would have hedge his baskets of monies way before and whatever movement that the RM take will not have too much affect on our investments. So now I'm just ignoring the MYR factor in my investments.

That makes sense,  that is why the good ones deserve their management fee.

oh boy. don't dig that out again. gonna start other here-we-go-again discussion about should we or should we not give management fees.

........
The below are just thoughts, and not opinions. It represents what I do take into account before plunging into UT.

Thought #1
"Be fearful when everybody is greedy"
We have seen the market shooting up to record highs in the past few weeks. Valuations appear to be sky high at the moment. One thing I have to learn is how to read valuations properly and make my own assessment. I ask myself, why am I entering the market now? Is this a herd mentality?

NOT all markets are high in valuation, and even in a high valued markets there are still plenty of fundamentally good stocks to buy.....
What To Do If Certain Markets Are Getting Expensive?
https://secure.fundsupermart.com/main/resea...SJBlog_20150402

Thought #2
"It was always a record high, until it is repeatedly surpassed"
This is probably an issue of timing the market. Again having some fundamentals to properly value the market is important.

That is where the fund manager and its team with good track record in terms of not only ROI performance but also the risk reward performance too is important..if risk appetite does not allows, go for a global funds that allows the FM to allocates more freely instead of single market fund where the FM are tied down...

Thought #3
There are a lot of concerning geopolitical issues in the world right now. These are your europe elections, North Korea factor, Trump factor, China shrinking factor, India factor, technology industry. Some lessons on accurately differentiating from puffery from real solid data is needed. This probably involves individual stocks rather than UT as a whole. However I guess fund managers track record and characteristic then becomes important. Is he/she someone who only chases short term gains or long term goals.

That is where the fund manager and its team with good track record in terms of not only ROI performance but also the risk reward performance too is important..if risk appetited does not allows,go for a global funds that allows the FM to allocates more freely instead of single market fund where the FM are tied down.
Don't fear short term noises, welcome it...
https://secure.fundsupermart.com/main/resea...SJBlog_20130927

Based on the above, I've decided to split my investment half. Half into UT and half into purchasing below market value properties.

From half my UT, I will enter into UT in a staggered manner to continually monitor the issues highlighted in Thought #3. Probably 40-50% first then the rest in 10% increments.

My investment horizon is 10 years, and target is 8% per annum. I have confidence in Malaysian market so I've allocated slightly higher. I have less interest in other emerging markets as I just do not trust these places.

My proposed fund allocation is as follows:
35% AH Select Bonds
15% libra dividendextra
10% AH select dividend
10% Interpac dana safi
10% Manulife india
10% TA global tech
10% CIMB AP dynamic income

nothing wrong....just that you have thought #1 ~ #3
yet you are > 60%heavy in M'sia.....

maybe you have missed this thought...
Do You Invest With A Home Bias?

Studies and surveys have shown that some investors possess inherent home biases when seeking out investments and when managing their portfolios. This means that they might be too concentrated on investments within their own country. In this week's "Idea of the Week" segment, we explain this bias, highlight some of the potential risks that it could bring, and as well as suggest to investors the benefits of a globally diversified portfolio.
https://www.fundsupermart.com.my/main/resea...?articleNo=4569

........
One a side note, how do you find out definitively each fund's country allocation? I just look through their factsheet, some provide this info, some don't.

Side Note 2: the author Wong Sui Jao in the link you quoted appears to talk a lot of sense, such a shame that I see his blog only ran until end of 2015.

Anyone here started bonds investment?

Anyone here started bonds investment?

have you seen their minimum amount? nope.

Yeah. 10k

And they don't really much in Malaysia? Cause I saw a lot of SG's

maybe after this date,...there are some that would tell you.....
Getting Started with Bond Investment
Penang Workshop
Date
27 May 2017 (Saturday)

Time
11.00am - 1.30pm

Venue
Deluxcious Cuisine & Cafe
17A, Jalan Sultan Ahmad Shah, 10050, Penang

https://www.fundsupermart.com.my/main/resea...Investment-8352

Keep in mind that before this, bonds are usually for HNWI which require min RM250k. So don't expect them to offer at very cheap prices.

Not the minimum capital amount. I mean the number of local bonds/choices available from them

You want local, I did a quick search on FSM and found 99 bonds denominated in MYR. 71 of them are Malaysia Government issues, leaving 28 corporate issues.
Enough for you? Not enough also cannot help. You can't buy something which are not available.
Then you can always use other platforms/channels to buy what you want.
Why limit yourself to a lousy platform which can't offer you what you want?