Alright whatever lah. I don't want to argue anymore. Anyone who understands English knows what I intended to say.

What I said was no one knows...by the end of the year the CIMB GC fund could be at +40% or -10%. That the +10% for the first 1.5 mths of the year is not indicative of future performance. And to me, this is true. The volatility DOES NOT PREDICT the future. The volatility is for the past, over a certain period of time.

People who have good command of the language and good thinking skills would perfectly comprehend what I was trying to say. Evidently you have neither of those skills.

In that same way volatility is NOT predictive for the future, which is what that other guy tried to argue. I acknowledge 2013 is outside the 3 yr range, just to show how the volatility tracks over a given time range for PAST data, not for what will happen in the future.

thanks for those who reply, the fund I mention just for the sake of example calculation
thanks xuzen for give info about volatility , yes i'm aware about volatility risk

It's is wise to allocate some of cash for short term investment ? (with proper research of fundamental ),8% return in 3 month is just good to me

* I'm aware that UT is for medium and long term investment, I have epf source for long term UT, cash & rsp for long & medium UT

Thanks for helping out!!

Depend on how many bond fund you have which have platform fees. Say you have 5 bond fund which have platform fees, so you kena charge 20x/year. Lol.

Hi, thanks for your advise! If i were to drop the bond fund, any recommendation of fund that can complete my portfolio? In terms of optimal diversification and good risk reward ratio. Thanks!

You don't need to drop bond fund. Just reduce the % and increase the others.

1) For a start you can follow the fsm recommended portfolio. To ignore the bond fund or not is up to you. I just think, you don't need it as a counter balance drag in a portfolio of 25 yrs time frame. Also a 10% "less volatile" bond fund in a portfolio will not do much to mitigate the risk of an aggressive portfolio that much. (for a portfolio drops of 10%, with a 10% FI fund in it ...it just dropped 1% less)
2) Then, you need to monitor yr portfolio during the bad times...yes the bad times like corrections. That is the only time you will really be able to feel it emotionally whether you can really continue with UT investment for the longer terns of 25 yrs.
These cycles of bad times will always return periodically with different intensity n duration. If you cannot stand the heat go for some other not so aggressive portfolio or just plain FD, nothing to be ashamed of or bad of it......as long as you can sleep peacefully during those bad times.
3) There is really no optimal portfolio or funds to have permanently. You need to monitor and drop it, exchange it, increase or reduce its allocations from time to time....1 way is follow the fsm star rating or recommended portfolio or funds. Ut investment is not a buy and forget for 25 yrs...
(just look at the number of changes made to the FSM recommended portfolios all these years, you will see, it is not a static affair)
4) what were suggested here in tis forum or by other professionals or fsm website is just a guide....you can start it then make adjustment along the way and yearly do a rebalancing check up.
Happy UT investing adventure....YES, it is to me an adventure. For i learnt, still learning, more be explored, feel, see n etc, etc. Just monitor the journey periodically and make provisions/corrections adjustment if necessary.

on this "any recommendation of fund that can complete my portfolio? In terms of optimal diversification and good risk reward ratio."......my suggestion or perhaps from others too may not be suitable to your likings or my or their likings too. What is now optimal may not be optimal few months later.......what was a good risk reward ratios may not look good few years later.....
Do You Use Your Rear-View Mirror To Invest?
August 14, 2015
Extrapolating historical performance can sometimes be detrimental to investing; we suggest investors avoid relying too much on their “rear-view mirrors” when they invest.
Author : Fundsupermart
https://www.fundsupermart.com.my/main/resea...gust-2015--6172

This post has been edited by T231H: Feb 20 2017, 08:10 AM

One can consider this fund if one already invested or intend to invest > 100k in China fund as this is essentially a China fund with much less volatility.

In great time it will likely not do as great as CIMB China but in bad time, the fund manager will actively switch it out to cash to reduce volatility.

My 2 cent.

This post has been edited by puchongite: Feb 20 2017, 08:49 AM

I think it's a China fund only in the near or medium term. Apparently turnover in this fund is quite high and they will buy anything anywhere depending on what they think is worthwhile.

Well I think within the domain of familiarity the fund manager, only China is one could offer the return required. Maybe India could be his next choice.

But I still think if one is absolutely optimistic of China or India, one need not purchase this fund. Just buy country fund will have higher return.

This fund comes in when there is possibilities of rough time.

P/s: Ponzi 2 is a fund which has similar return and similar volatility as this fund. Minus the 100k minimum restrictions.

This post has been edited by puchongite: Feb 20 2017, 09:33 AM

hmm, let me rephrase the query.

to those who dont see the 100k minimum as a restriction:
- is ponzi2 still better choice?
- is country fund still better?

p/s:
platinum is >750k
if maintain a small group of funds( eg 4-5 funds), most(if not all) his funds are already >100k

Any Manulife investor here (direct register under agent of Manulife)?

Hi guys, very new to UT world here. Was told to come here seeking for more advice, so I have a lump sum of ~50k and was wondering which funds are recommended, its for long term investing till retirement. BTW I saw FSM did provide some sort of specialist advice, how much do they charge and are they any good?

In fact I bought some UT directly from AffinHwang and I was wondering what is the difference with FSM since FSM also sells Affin Hwang UT, is FSM offers lower fee is all? In terms of effort of managing the UT, is it the same between FSM and Affin Hwang?

Thanks.

This post has been edited by Steven7: Feb 20 2017, 01:14 PM

can sell Manulife, you interested?

I keen to divert some of my saving EPF to UT in FSM,

noted AFFIN HWANG SELECT ASIA PACIFIC (EX JAPAN) REITS AND INFRASTRUCTURE FUND is the only reit fund approved by EPF available in FSM.

while both AmAsia Reit and Manulife reit, which historically show better return and less volatile not in the EPF list

So all sifu any comment on this fund?

difference is that you get a hot agent to deal with when buying direct from Manulife who can talk to you and hold your hands to buy into something. of course there's higher fees.

fsm all you have is a website and old Tok kok uncles here like xuzen and pink Spider. most of all diy is always cheaper. you do your own research and homework.



btw why so many new guys here these days? who referred you to us bro?

This post has been edited by T231H: Feb 20 2017, 02:28 PM

FRESH MEAT! FRESH MEAT FOR THE GRINDER! I mean..welcome all new investors!

seriously tho there's a spike in New members here after the last fsm event. someone is using us. think we need to charge royalty for our advise