Ta tech 10%, United Global 15% = 15% in Global Tech sector....which is also about 10% of US Tech Equities....
hope that allocation is ok with you....
(a 10% drop in Nasdaq may drops your port by 2%)

Diversification helps to smooten the portfolio volatility.....
current Equities volatility is being helped by FI, Reits, India, Gold and Tech...
(check the YTD ROIs of Gold, India, Tech)

as per Sui Jau's blog....
"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount. Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust. Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash. The key thing is you have to accumulate investing experience. No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher."

this is interesting...something like thematic investing? or sort of go with the current flow?

if a port has anything China/HK, Asia Pac & Kenanga Growth in it...for the past 2 yrs....not good already...
1st half of 2017 was a good year, thus many would have entered "at peak"...
2nd half of 2017 was a year then some of those funds started to stagnant.
2018 was NOT a year for those fund.
1st few months of 2019 was a good year....

This post has been edited by yklooi: Jun 14 2019, 07:59 PM

there was a forummer that did good with just 1 single sector Eq fund .....
depends on what you liked that have.....
if need to readjust the portfolio volatility, after having experienced the misery of it ....one should make changes to the portfolio composition to reflect the risk appetite at the current and next few months foreseen environment.

after all it is your money and your actions that can make you sleep better at night without much worry about the movement of the market indexes daily.

just do take note about this....
This post has been edited by yklooi: Jun 15 2019, 01:44 AM

most would buy...
maybe not "a" equity fund,
most probably a few equity funds,
what was GOOD previously and NOW, may not be GOOD 3 months down the road, when compared with funds of the same mandates.
thus, most would not just leave "a" fund un monitored for 10 yrs....
unless the expected returns is about 6%pa...then ASNB/EPF would be a good bet to leave money in it and forget for 10 yrs.

Do you only has those funds in yr port?.
What are the value of each of those funds in relations to yr investable money in % terms?

DIY + MPF
Quantum 3.7
Japan 6%
Kenanga 9%
MPF 35%

with these <10% on each of this "higher" risk funds....(single country focused),
not much effect to the port if one were to "runaway" to other "higher" risk funds...unless completely mitigates to FI funds.

not right or wrong....based on those appetite,
i would, if i had those risk appetite, would just continue to "Hold" unless has continuos surplus flow of money, then i buy in more.
i would, if i had abit of reduction of those initial risk appetite, would still "Hold", but buy into some others for diversifications

in brief...what does it shows/proof?

yes, many times, at times more than 2% a day and very frequent too....

check the trend charts from 2018 till end of May 2019, see how many times that happened

but in the end....history will just says "that is just a normal bump" like a road bump on our daily route to work.

This post has been edited by yklooi: Jun 18 2019, 11:41 AM

Thanks for the translation....appreciated it

on this "how poor a fund perform (even when it is below the benchmark),"
I personally don't compare against the benchmark to determine if the fund is performing or not....
because the fund maybe better than benchmark while below its peers.

see the attached image.......

on this "Has anyone seen a fund manager opening say "oh, we are not performing well"? "
Yes i did.....i personally approached that designated FM during their FH organised dinner at a posh hotel in 2016.
i showed printed data showing the performance trends of his fund vs funds of similar mandate.....
he took a look at the printed data asked me how i gathered them and what he said next shocked me.....he said, "well honestly, i am also not very pleased with the it, but we are working at it."

i guess they did.......since 2016, they are almost on par with those funds that i compared with...
i asked the regioanl manager in 2018, and asked what happened, she told me that she had observed that, the FM had recomposed, reallocated the composition and allocation % of countries in that region to be nearer to the rivals.

thus the below post is
This post has been edited by yklooi: Jun 20 2019, 08:45 AM


Attached thumbnail(s)

2 yrs ago....was a good year....thus they, we follow herds. They also cannit see the future.
Just last month i was abt to suggest to my niece to start rsp investment as a additional form of saving....
I want to expose him to rhb islamic bond for its no fees n stable returns for the pass many years....
Luckily i hv not started to tell him as last month was just his 1st yr at the work n just completed having emergency fund set up.....
Tis mth that fund dropped

Thks...any platform or redemption fees or under rsp lists?....
Now no pc to googke fsm

counting the CHICKEN before they are hatch again ....just for the shiok sendiri.
recovered my 2018 losses already...(again )

hope your guys are having the same performance uptrend......


Attached thumbnail(s)

you go to US
they Asia X Jpn fund also go US....
(see attached image, note the differnt in allocation within 1 month)

great minds think alike



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active income stopped voluntarily and hopefully it will be temporally (2 yrs time)....
just switched out 80% of UT invested amount to plan to settle housing loan.

remaining 20% is currently in

8% PM asia ittikal (for its group insurance purposes)
16% Cimb Asia Pac PRS
76% in Manureits

sticking to the principles of
never invest with money you cannot afford to lose
never invest with the money you will not touch for a few years

hope these nevers are the right one this time round...

thanks for your input...
until that happens...
temporarily placed this link in page1 post 8.....
among my collection of interesting lists of links and info...
for quick reference to those that needed them

not a trick question....

as we had known....ex date is the date of dividend distribution right?
during dividend distribution normally the fund's NAV would drop right?

Q1: will the NAV drop on Ex date or day after ex date?

if one sell transact date is on Ex date,.....
Q2: will he get the ex date NAVs without the extra distributed units?

or he will get the ex date NAV + the distributed units?