Just added KGF back to portfolio. Backing on election fuel.
Switched out partially from Kenanga Asia Pacific Total Return Fund

Scenario 1: Mr HC pinjam money from sharks to put into a fund with a short track record that dia "researched". Riding on the coattails of global economic growth, the fund's focus on small cap and penny stock multiplied in value, making him feel like he's a smart investor. This same person is confident that dia boleh lihat the future. Tapi bodoh jugak for not using the same ability to beli nombor menang jackpot. Because bodoh and coward kerana pinjam duit orang lain, he bayar orang lain who also did same research as him and ask them to buy the stocks for him.

Scenario 2: Mr P has 500k fun money daripada berapa tahun day trading in stock market. Early 2016 after China choked and Mr P busy with work, he pulled out and masuk dalam UT Manu India. Lepas Trump won Mr P have more free time. Mr P sees global economy will grow faster so he pull out of India put into Malaysian small-cap/penny stocks that Interpac Dana Safi also invested in (Wah Mr. P happy kerana IDS validate his keen eyesight). Since YTD returned 195%. With years of investing experience in stock market, Mr P tahu small-cap/penny stock can be very volatile kena monitor tiap hari. He knows is high risk and is like gambling, and his gamble paid off. And since Mr P is gambling with his own money that he tak kisah losing, he tak takut sharks because he is the shark.

So who is smarter and more successful? Maybe both also made money, but one is stupid and enter burning building dengan baju orang lain, the other is smart and pakai own IronMan suit before playing with fire.

Which rhb income fund? And why?

it just hit me xuzen's new port is to minimize the number of funds in the port and also the corelation between each of them.

so what's the corelation between esther bond fund vs rhb AIF also the other recommendations between esther bond fund vs rhb emerging markets bond that was weeks ago

lol this one sure doesn't make sense so what changed?

This post has been edited by Avangelice: Jul 29 2017, 04:32 PM

I can. And I have done scenario no.2. And I have been able to survive quite well this far. I even managed to make enough to settle 50% of a 35 year loan in the first year alone. So I am not talk cock only. And given our age diff, don't tell me u hav not acheived 14% p.a since u were in the game? Or at least, the last 3 years????

Who needs wrap account when service charge 0%, switching fees 0%, 0% platform fees

My plan for August!

+gtf
+kgf
+india
+Esther

Huat arrr

Gtf is global titan?

global technology fund.

I think if you are in it for the long run, you have to re-think about the opportunity cost. Imagine if you are really lucky, managed to time the market, get 200% return from your lump sum investment when the market finally turns bull.
Are you going to cash out everything and wait for the next big crash?
I think this strategy would only work if you are a one-hit wonder who retires after the first break. However, I do agree that we need a war chest but not a war chest which is equivalent to our supposedly entire portfolio.

Never time the market and catch a falling dagger. Coz you might not be able to catch it every time.
The best time to invest is not now, it's yesterday. I would recommend staying invested.

But that's just me and my risk appetite. Someone else might have a different investing philosophy which is hugely successful. Bon Appétit.

This post has been edited by skynode: Jul 30 2017, 08:47 AM

GTF can be Global Technology fund or Global Titan fund.

I suggest to avoid confusing noobs, use TA - GTF or TA - Tech or just plain "tech fund" whereas use Titanic or Titan to refer to CIMB - Global Titan Fund.

What do you all think?

Xuzen

This post has been edited by xuzen: Jul 29 2017, 09:58 PM

And it is shown mathematically, the future value of any investment is linearly related to the ROI, whereas it is exponentially related to time invested. Even if you get a mediacore return but compounded over time will win over a large ROI but compounded over a short time.

Remember folks: Speculate for syiok sendiri, compound it or real return.

Xuzen

All hail sifu Xuzen

Hey! Late reply, almost forgot. Kenanga PRS Growth Fund.

was just thinking in my mind....when you set up your UT portfolio......do you wait to buy when the intended fund prices dropped by 20% then before you bought into them?
any funds of recent last 5 yrs that are suitable to be in the core portfolio that had dropped 20%?

during a mkt crash,...the money in your stock accumulating dividend would be affected too so will the unit trust funds that you left it there.....
a war chest waiting to buy 'cheap" stuffs should not be kept in those vehicles.....for they are directly affected and in the 'cheap" prices too...so will your wealth.

btw,...I think you will make more $$ "timing" the markets by lowering your 20% buy trigger to maybe 5%.....that would be 5% drops of any region buy from CMF then 5% up moves back the money to CMF
for the chances of 5% or lower drops happening are much more frequent than those of 20% ......

just my agar-agaration thesis no substance wan.

I too support that 2 suggestions....
btw,....why do you choose this Kenaga ONe PRS Growth "over" the Cimb Asia Pac?
just curious....

His talks are mostly just theory and his money is also rather small to make a difference.

He says will be buy when prices drop more than 20%. Okay there was indeed a case, which happened to the greater china UT a year ago. Did he buy any ? I doubt so.

End up most of his money are in ASNx, almost all the time. The talk about buying other things are just fancies only.

I would argue that you cannot put large enough sums into it immediately.

That time. No. Just buy. When sell off of reits happen, pump in lump sum for manulife AP reits. Best decision ever.

Now stop to look and think already.

Yes dividend could drop, but if your dividend is already 10%, a 30% drop in dividend still give you 7%. Want to drop more
Can. 50% drop = 5% dividend. Still decent.

That's why my selection:
- Get bluechip stocks supported by govt
- Bluechip stocks which consistently beat/match the market
- Defensive health care reits
- Gov linked reits
- Reit with excellent management

Got such counters? Got. Got real life example? Got.

Of course muat see govt got the moo to back them up or not. Govt like SG, HK and AU have the mooo. Malaysia, don't think they have much moooo left (just look at the reserves). US and UK govt are practically broke.

This post has been edited by Ramjade: Jul 30 2017, 11:23 AM

Went to the penang talk yesterday.
Wasn't too impressed with AMAsia REITS asset allocation.
More countries yes but places like Japan? I don't know , doesn't sound like rental yields are high there.
There was this guy who asked why there is so much cash 18-20% and I don't think I got a good explanation from the fund manger.
It sounded like they couldn't find any good opportunity and therefore not do anything about their money. Imagine 20% of your money not working for you.