Guys i checked now all SC is 0.5%

Anyone has any ideas for Interpac Dynamic Equity fund? Looks like the Nav keeps dropping so shall I hold or sell it off?

Also for funds invested in China, is Manulife Dragon recommended?

Q1: if I were to top up on equity. Would KGF be ideal now?
is KGF the ONLY equity fund in your portfolio?
top up those equity funds until their desired % are met as required by your appetite.
if you only have limited $$ to top up...then top up the fund(s) starting with the fund that has the most FSM star rating until the desired % are met as required by your appetite.....then the next one

Q2: Prices are high now.
judge not it's NAV......look at it's upside potential
https://www.fundsupermart.com.my/main/resea...it-Trusts--1592

Why Buying at Peak May Not Matter After All ....if you have a long investment horizon
https://www.fundsupermart.com.my/main/resea...ober-2017--8939

Q3:But annualised return are good since inception.
Investment involves risk.
The NAV price of a fund may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment.
Past performance is not necessarily indicative of the future or likely performance of the fund.
Investors should read the relevant fund's prospectus for details before making any investment decision.

im thinking to increase exposure to ASEAN market

currently got disc on 2 funds - CIMB total asean and NIKKO am schroeder

cimb better track record and wider exposure but a bit heavy weight on malaysia

nikko invest in high dividend sg funds (i think)

what's ur take on this?

Time for some shopping sprees.. Sea of red all over Asia today

I strongly believed in locking in profits.
One have the guts to ENTER shall also have the guts to EXIT.
This is the first time I pressed RESET button to all my equity funds held since 2015

yes,
but when do you want to pull out to FI?
after a drop of x% of the NAV from the highest NAV of that EQ fund then you move to the FI fund?

then when do you want to move back from FI to EQ fund?
after a rise of x% of the NAV from the lowest NAV of that EQ fund then you move the FI to EQ fund?

Sure boh?
Hang Seng had been up +5%  since this Monday, DOW ind had been up 4.4% since this Monday. Today is the 4th rise day.
Index almost recovered 50% of the loss last week.

I switched in my FI to EQ on 06 Feb and 09 Feb, both of them are earning now.

Normally, people buy during bad days and sell during good days. But, you are doing the reversed way, good luck. to you.

Fi to eq is : Switching from Fixed Income Fund to Equity Fund.

For a sizable portfolio, let say more than RM500K portfolio, DCA/ monthly top up of RM5K is only less than 1% of the total portfolio.
Therefore, switching from FI to Equity is more efficient if wanna buying in dips.

For illustrration:

Let say u have a portfolio of RM500K and allocation of 30% in FI (RM150K) .
During every market correction of 5%, switching 20% of your FI  (RM 30K) to equity fund, is almost same as buying RM 30K/ top up 6% of your total portfolio .
If u "DCA" "DCA" "DCA" only, you only can topup 5K per month (unless u r a money printer lah), and it is less than 1% of ur portfolio.

That is the reason always allocate a portion of your portfolio in Fixed Income Fund is important.

Fi to eq is : Switching from Fixed Income Fund to Equity Fund.

For a sizable portfolio, let say more than RM500K portfolio, DCA/ monthly top up of RM5K is only less than 1% of the total portfolio.
Therefore, switching from FI to Equity is more efficient if wanna buying in dips.

For illustrration:

Let say u have a portfolio of RM500K and allocation of 30% in FI (RM150K) .
During every market correction of 5%, switching 20% of your FI  (RM 30K) to equity fund, is almost same as buying RM 30K/ top up 6% of your total portfolio .
If u "DCA" "DCA" "DCA" only, you only can topup 5K per month (unless u r a money printer lah), and it is less than 1% of ur portfolio.

That is the reason always allocate a portion of your portfolio in Fixed Income Fund is important.

Depends. Some yes. Best to check with customer service before doing a switch

To avoid getting charge
1) learn credit ninja trick (EQ A > bond fund A > bond fund B < EQ B)  where A and B represent different fund house.
2) open a wrap account where you can switch for free but at a cost of annual platform fee of about 1% which brings us to no 3) invest directly in FSM SG and you can switch around for free but pay only 0.4%p.a platform fee
4) invest using POEMS SG and avoid all service charge + platform fee + switching free (it's basically free to buy,  hold and switch - all fee is 0%)

Fix income means those with the name bond fund while equity fund dies not have any "bond fund" name.
Majority of bond funds only give you board FD rates or worse. There are some which give you double digits but best avoided as if you want double digit,  you go for equities. A bond fund is not for chasing returns. It's to stabile the portfolio.

Same fate with u. I had been rejected once due to unclear thumbprint. Staff in CIMB and FSM had checked the docs, thought no problem on the thumbprint, but been rejected by EPF...
Not that easy to get out EPF money nowadays.

edit : So, if u go to EPF office and make ur thumbprint there, also not guarantee it wont be rejected. Because the staff that get ur thumbprint and the person to approve ur withdrawal may not be the same person. 
U missed out the easiest way:
5) eUT : Intra Switching is free of sales charges. Inter switching during promotion (>5K 0% sale charge promotion) is also free.

About the sales charge when buying UT,
If u know the actual meaning of "Intra Switching in eUT is free of sales charges", then u can buy most of the equity fund available in euT at 0% sales charge all the time.
I won;t like to be too exposed. Think urself.
In FSM, switching from lower tier to higher tier is subjected to sales charge. But, for switching in same fund house, you can waived the sales charge with credit.
The golden rules to gather and accumulate the credit is:
- never sell/switch ur equity fund to ur bank account/ CMF/ other Fund House directly, always switch it to bond fund in the same fund house for credit first.

cheers and happy CNY.

the roller coaster ride of the markets is restarting again after a week of break....??
DOW, SnP & Nasdaq all down > 1%