I was having a look at Manu Investment AP Reit fund and noticed the Risk Rating is 10 (highest). This seems counter intuitive to me, as Reits are normally quite safe funds with good dividends. Any insight as to the reason for the high risk rating for this fund?

Dear Sifus,

I wonder how long will you all keep these funds in hand? After retired? 70 years old? 80?

These funds only look good on paper until we really sell it one day....

Please advise.

no charge for selling/ buying ?

Moving ASx fixed price funds to Esther bond might not be a good idea. ASx correlation to equities is near zero, while Esther bond to say, kgf, is 0.24 (post 5196 page 260). You might want to ask Xuzen to run algozen with ASx and see..

Some thoughts on the bonds recommended by algozen - they seemed somewhat risky. In the literature of standard 60/40 or 70/30 stock/bond portfolios, backtesting is usually done with S&P500 / 10 year treasuries. US treasuries and other high grade government debt are much safer and have negative correlation with stocks. In comparison, Esther bond is mostly emerging market corporate bonds. From the fund factsheet, 20+% of Esther bond are junk bonds (below BBB), assuming that 'Others' are grades lower than B.

RHB EMB seems a bit dodgy to me; I can't find any mention of the credit ratings of its holdings anywhere, and in %country allocation, 'others' has an allocation of 60%! What gives?! Better hope its not full of junk.
Anyway, its correlation to local stocks is surprisingly negative. Just a wild guess - when foreign funds pulled out of bursa en masse a few years ago, myr was severely devalued. This decreases the NAV of local stocks, while increasing the NAV of foreign bonds (RHB EMB) in ringgit terms. The RHB EMB might not be hedged to myr (can't find any mention) while Esther bond is. Hence Esther bond behaves more like EM/corporate bond - low positive correlation to stocks.
I doubt both bonds would fare well when the next economic crisis comes.

In 2015 and 2016, myr depreciated nearly 30% against USD, which affects the relative performance of local vs international stocks/bonds. This is probably a one off event (hopefully!), so it might not be prudent to base portfolios primarily off this time period. Algozen is based on past 3 years data, right?

one question - are these funds liquid?  If a person decides to sell it at certain NAV, does he always get the NAV the wants, or he has to queue like in stock market for the match of seller-buyer?

Care to share your average return for the ASX ?

Does FSM have promotion of 0% sales charge?? if got i will wait

Manulife India

Oh woops paiseh didnt realise they're closed 

How about going into the below instead?

Manulife- 15%
amriets - 15%
affin select bond - 40%
TA GTF - 30%

i agree.. i bought both at same time. same day.

amasia - 1.79% return
manulife ap - 4.53%... in my portfolio to date.

dun bother with AMASIA.

This is the most funny thing I observed. I mentioned it before.

If you think AM reits is bad, and so convinced about it, just sell it off. People here keep saying it is bad, yet still keeping it. Then you are not leadership by example. 

can you predict too, when the GE will be?

Not all funds practice forward pricing, though most of them do. RHB Cash Management 2 for e.g. uses historical pricing.

Just a word of caution on Affin Hwang Select Bond. The fund is relatively stable compared to its peers but it is still subject to volatility. It's still possible to make a loss if buy at high price & sell later when the price drops. It is subject to both interest rate risk & forex risk. 
How can the risk be the same between a fixed price fund and a variable price fund? For ASx, one buys & sell at RM1, hence at most losing all the returns. For other funds, the return can be negative, depending on market condition. Worst case scenario, losing everything (although it's very difficult for this to happen in reality for a good & well diversified fund).

What do you mean by "Only loss = opportunity loss"? Are you referring to bond funds? If that is the case, capital loss is also possible.

Thank you for your input sifus. I think I will consider managed portfolio for the time being, as I have little knowledge in asset allocation, product selection, and periodic rebalancing. Maybe once I have more knowledge and confidence, I can manage portfolios by my self.

not free money. u r paying for their service. at least much lower than PM officers who does nothing but sucking your 5%

anyone know why anista bond has such drop at nov 2016, is it unit split or ?, i thought it is very stable 
currently eyeing this fund and affin hwang select bond

But at some point lower price NAV gives better growth opportunity (price increase) compared to already soaring high price? Any Sifus can shed some light ?

Good sister,

On the contrary, a lot of our beloved Unit Trust Fund are managed by female fund managers. We are not gender bias, we are gender blind. All we care are her figures 

Xuzen

I've read through the FAQ before, but still don't get it really. Because the last time i use CMF to buy, it took like nearly a week before they price my purchase.
I assume my interpretation is correct no?

Hi all,
Do you think the security for FSM is a little lax when selling fund and transferring to bank accounts? Why isn't there any TAC for confirmation.
I think most ppl here have ten or hundreds of thousands in the account, but from the way i see it, everything can be done if your password is compromised

While what the rest have said is valid, the risk on FSM is not quite the same as the risk on online banking; FSM SG does have 2 step verification. So I guess it'll just be a matter of time before that's introduced in FSM MY

Question - Does e-unit trust and Public Mutual online has 2 step verification? That's apple to apple comparison

funds with 0.8%SC in the recommended fund list other than the "All star" funds that has always been recommended here .?......
try islamic funds and some of those in the recommended fund list but under supplementary portfolio segment like.....
Asia Ex-Japan Equity - Islamic
Malaysia Equity - Islamic
Singapore - Single Country Equity
Global Resources - Sector Equity

these are some of the funds that are seldom mentioned here....

Global Resources - Sector Equity
The fund looks quite beaten down.
Anyone thinks that oil can make a comeback should buy this.

Thanks. But I still unable to find answer for question #2. Please enlighten me.