Aiyoh. Very sorry to hear that. I will try to record these promo so next time people can take advantage of this

1) Aggressive funds are great during good times but horrible during bad times. Thats why it is called aggressive.

2) From your port, it looks like you might want to diversify into US; you can pick TA Global Tech, or CIMB Global Titans or other US funds.
You can try the morningstar x-ray portfolio to see how well correlated your UTs are. See 255 for more details.

Yes. In the transactions menu click Sell UT.

Depends on when he bought the fund. He could buy Manulife REIT when near the bottom.

Same here TA Global Tech. US technology stocks are doing

That's a great idea. If for a very long term, then this downturn is just normal.

We live in the world of uncertain info. I believed diversification into different regions are important. US stocks are doing great and its the only part of my portfolio that is doing great

I always thought the yearly returns is already net of management fee. So 5.5% is what you see and is what you get.

Expense ratio is expense of UT over the NAV of the UT size. Assuming you have similar expenses of both running the two funds, then the bigger ths fund size the lower the expense ratio.

You can check the factsheets of both funds and i think rhb islamic is bigger than libra anista. If you are mathematically inclined, you can easily calculate the expense of the UT.

Another drop. Good time to rebalance your portfolio. I think I shouldn't be readng any news until a few more months.

This post has been edited by ChessRook: Oct 23 2018, 06:21 PM

I hope this doesn't continue until 2020. Hope the Democrats win big in the Nov midterms and impeach trump

This post has been edited by ChessRook: Oct 23 2018, 07:14 PM

The best time to cash out is when you plan / need the money.

1) UT is long term (above 7 years ) with every year to rebalance your portfolio. And every 3 years, comparing your UTfunds against the peers.

2) The underlying assets of equity UT are shares. We gain from the upward movement of share price. There is a historical long term tendency to reverse to the mean returns. One cannot think like interest bearing assets where every period there are percentage gains. If you sell now and buy again when there is a higher uptake trend, you are not only incurring the sales charges, but also already missed out the upward movement of shares and realising the paper losses. Also where else can you invest in?

3) did you only invest in one UT fund? How about bond funds like rhb income fund 2, am dynamic etc? How about other region like the US, Europe and Asia?

4) do you have a financial investment plan?

This post has been edited by ChessRook: Nov 12 2018, 07:41 AM

Non just libra Anita, my rhb bond fund, rhb Islamic bond fund and rhb income fund all drop value. Expectations of interest rate hike are the cause?

The 4.xx ++ fixed deposit looks very tempting now

I repost this from my earlier post about IDS. You can get this info from the annual report

1) IDS has 15 shariah stocks only. For a unit trust fund,i find it under diversified to my liking. At a min, i think should hold 30 or more stocks. And this info should be made clearly stated up front in the description so that investors are aware and can diversify and put less weightage into this fund.

2) adding to the volatility, some of these stocks are in the ace market. None of the stocks are blue chip stocks.

3) anothing thing, this fund concentrate on a few sectors only, technology, trading etc. If i were to invest, i would diversify into healthcare, education, financial services, construction, oil and gas etc.

With these reasons above, IDS will go very badly when the situation turns bad.

This post has been edited by ChessRook: Nov 23 2018, 05:30 PM

I just received this regarding the dividend distribution

"We hereby certify that Malaysian Income Tax deducted as above has been or will be accounted for by Fund Manager to the Director General of Inland Revenue
Malaysia. Please retain this voucher for submission to the Tax Authorities."

My question is what should I need to do in my e-tax form? Can I claim the dividend?

I gave up trying to predict whether it is going up or down. There is just too much volatility with Trump in the office.

Either

1) Just DCA bit by bit into it.

or

2) Defer for a few months till Mar (after the US-China negotiations) to decide whether to DCA or not.

At the moment, I just don't have the money. I need the money for the Dec holidays and the coming CNY. So I have no choice but to do (2).

i exclude epf because

EPF is not UT investments. min epf returns are 2.5%. EPF has certain advantages e.g its holding of Plus and can be given assets by the government if the government so choose etc.

for UT investments, good idea to include different geographical regions, even in Malaysia.

Hope the trade talks are ok. otherwise, another big drop.

when Trump is in charge, there is more sanity in the asylum