How many % of these focused sector you gonna plan have in Yr port?
How many % of those you are now having?
How many % of those you are planning to buy during this current bear?
I think these are some of the parameters that would be inside the depends (as mentioned earlier) too

10% is good (with my risk appetite too),
Samy or wahed should be considered over UTs (fsm) as the cost is much cheaper....

How much you have in those sector vs the total amount you have in equities investment portfolio would gives a rough estimates of the % allocated to those sector/region
( I do it that way)... May not be the way other liked.

This post has been edited by yklooi: Feb 25 2020, 07:56 AM

It depends on the ratio of topping in China vs DCA into samy/wahed...
If there is still room for my % of allocation.... I would go more into China over US, in the next 12 - 24 months

The Lowdown on Management Expense Ratios
Misconceptions often happen about a fund’s management expense ratios (MER).
.............
............
.........The fund’s MER allows investors to gauge the overall expenses that a fund incurs. It usually includes:
Management fee
Trustee fee
Administration fee
Audit fee
Accounting and valuation fee
Custodian fee
Legal and professional fee
Performance fee

MER reflects the costs involved in operating a fund and are expressed as a percentage of the fund’s net asset value (NAV) on an annual basis.
...the fund’s annual management fee which pays the fund manager (this is always part of a fund’s MER).

https://www.fundsupermart.com.my/fsmone/art...-Expense-Ratios

This post has been edited by yklooi: Feb 25 2020, 03:08 PM

may I ask...how many % of your money you gonna put into 1 of the above mentioned fund, in relation to your investable money that you currently has that you would not touch for the next 3~5 yrs?

is this 15k is the total you wanted to buy?
5k for each fund, total 3 funds?

this 15k is how many % in relation to your investable money that you currently has that you would not touch for the next 3~5 yrs?

example,
if 15k is out of 30k of your investable money that you currently has that you would not touch for the next 3~5 yrs, than it is 50%
if 15k is out of 150k of your investable money that you currently has that you would not touch for the next 3~5 yrs, than it is 10%
etc etc

the danger of rear view mirror investing
https://www.google.com/search?ei=jANZXpXLMN...Q4dUDCAo&uact=5

use the chart center tools to see how the fund performed over a certain periods...as per image.
this tool is available at
https://www.fundsupermart.com.my/fsmone/fun...s/chart-centre/

some of the usual and normal need to know things
Investment involves risk.
The price of securities 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.
etc, etc

This post has been edited by yklooi: Feb 28 2020, 08:28 PM


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maybe off topic to some....
just for comparing the seriousness of this Covid19

Pandemics of the past
Pandemics have been a part of human history for centuries, with one of the earliest ever reported dating back to 1580.
Since then, at least four pandemics of influenza occurred in the 19th century and three occurred in the 20th century, according to the CDC.

The most severe pandemic in recent history was the 1918 influenza pandemic, sometimes referred to as the "Spanish flu."
The pandemic was estimated to have infected about 500 million people or one-third of the world's population and killed some 50 million worldwide

Then in 1957, a novel influenza A H2N2 virus emerged in East Asia, triggering a pandemic that is estimated to have killed 1.1 million worldwide and 116,000 in the United States.

In 1968, a pandemic caused by an influenza A H3N2 virus that originated in China swept the world. That virus was comprised of two genes from an avian influenza A virus, according to the CDC.
The virus was first noted in the United States in September 1968 and led to about 100,000 deaths nationwide and 1 million worldwide.

In the spring of 2009, a novel influenza A H1N1 virus emerged.
During that H1N1 pandemic, the CDC estimated that somewhere between 151,700 and 575,400 people died worldwide

https://edition.cnn.com/2020/02/25/health/w...iner/index.html

currently....
The global death toll was over 2,800 and the disease made its first worrying appearance in sub-Saharan Africa.
More than 83,000 cases of the COVID-19 disease have now been confirmed in more than 50 countries.
While about 36,000 of those people have recovered,......(recovery ratio is about 43%)
https://www.cbsnews.com/live-updates/corona...tes-2020-02-28/

if by looking at its death toll ......it is "just a little number" (sorry, maybe insensitive) when compared to the others.....
is the current markets drops (by blaming on Covid 19), justified? or it is just a "play" by the speculators? or is there more serious rapid drops to come?

just a note for consideration too,....
"Although we are far more prepared than in the past, we are also far more interconnected, and many more people today have chronic health problems that make viral infections particularly dangerous."..Dr. Tom Frieden, former director of the CDC


This post has been edited by yklooi: Feb 29 2020, 08:12 AM


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M’sia is caught in a perfect storm
https://www.thestar.com.my/business/busines...a-perfect-storm

and now this
Mahathir out as Umno-backed man named PM
Malaysia's Mahathir Mohamad lost a power struggle Saturday with a little-known ex-interior minister named as the country's new prime minister in a surprise twist that returns a scandal-plagued party to power.
https://www.bangkokpost.com/world/1868429/m...ed-man-named-pm

luckily i have no more M'sia focused EQ funds in my portfolio since last July after having recouped the 2018 losses.
it is the perspectives/views of the foreign investors on this current issues that worries me...for I have a large portion in Nomura's FI funds

This post has been edited by yklooi: Feb 29 2020, 08:09 PM


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One can ONLY know, the results of one action is correct or not after having review it some times later in history.

for one does not know how the mkts will move....will it bounce back severely, will it continue to fall , will stay stagnant from now, will it rally for another few month after tomorrow?

those that had be following their portfolio since early 2018 till end 2019 will definitely have their own reasons to either get out, stay on, move to FI, buy more Eq, buy gold, etc etc...
for I am sure their minds are still fresh from the experience gained through out 2018 and 2019.....

Right or wrong...only time will tell, but for those that did not invest with money that they will not need to touch for the next 3~5 yrs....time to review your decision and try to have a better sleeps at nights...only you yourselves can make that happens or want to make that happens too.

for shiok sendiri only...my MoM portfolio performance....


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Unless your DCA is a very large portion of % in relation to your money already invested into that UT.

if NOT it does not matter if the DCA is timed at the lowest......

it will NOT have notice able impact to the average purchase NAVs in your portfolio...
example....if your DCA is only 1% of your invested money....
the NAV dropped by 20%...your DCA of 1% saved 20%,
but your 99% of the money had already been down 20%

the purpose when one set up DCA is NOT to aim to be happy with the timed entry...
DCA takes the timing factor out of the investment.
they just do DCA day or shine....undeterred by the noises....
the aim is to smoothen the average price curve and see the accumulated growth in fund size over time

thus I could not agree with this about DCA...
This post has been edited by yklooi: Mar 3 2020, 09:07 AM

when one realised that when comparing to the total amount already invested.......they "should not" feel happy or fear when doing their DCA....
if they are concerned of the DCA bcos it is significant amount for them based on the amount they usually DCA....then they "should" have a holistic review their current amount of money invested, allocation, fund selection, assets ratio factoring, in that investment vehicle....
or maybe "should" also review if UT is their investment future.

practicing with discipline the DCA after having honestly per risk appetite and knowingly per experience, set up their portfolio "should" help that investors "Seeing and experience "drastic" fall and not falter, instead marching head on"

depends....
my take is,...
if you are
experienced with success in UT investment
experienced peaceful sleep at nights for some thing already while still had UT portfolio
then no go into this Managed portfolio

if you are "fresh", then go in with part of your money, and the other part go DIY yourself to gain the experience and feel the emotional effect of UT investment.

0% FI Uts for a few years, then 50% since last July...
(0% was bcos I consider my EPF as FI portion)
no more active income is the main reason for the increase from 0 to 50%...

This post has been edited by yklooi: Mar 6 2020, 01:52 PM

yes, I think some here are practicing just that....

staying invested a large portion of their investment & having a small war chest....(ex; 90% invested in EQ against 10% in war chest)
mentioning that they will want to use the bullets from the war chest to enter when the market crashes.

thus they will practise "the time to buy is when there's blood in the streets."...buy with 10% in the war chest

Even if it's your own....but unknowingly, their 90% invested spilled blood on the streets too