some would suggest using this FSM Star Rating to do the allocation.....
https://www.fundsupermart.com.my/main/resea...tarRatings.svdo

do note this...

ARE YOU AGGRESSIVE, BALANCED OR CONSERVATIVE?
To stay ahead of the game, it is not only important to understand the risks of the investments you are looking at, but also to understand your personal risk appetite. And the best way to do it is to assess your actual experience in investing. Investors who need advice or want a second-opinion on their investments can contact our Client Investment Specialists. They are able to assist you in distinguishing between unit trusts on our platform. Another method is to take the investor suitability assessment form by answering some questions such as your invesment objectives, risk tolerance, financial profile and investment experience.
For instance, you might have thought you are an aggressive investor who can cope with a high level of risk. However, in practice, if you find that you always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments may not so suitable for you because they are likely to cause you to lose money.

Keep Your Risks In Check
https://www.fundsupermart.com.my/main/resea...-May-2015--5825

Last year...FSM do advise this....
For investors that wish to have exposure to China, they can do so by investing in the CIMB-Principal Greater China Equity Fund . The fund has showed that it was able to perform despite challenging market conditions, as reflected from its historical track record. Likewise, the fund also allows investors to participate in the “new economy” of China. Since months ago, the fund has shifted its focus towards the winners of China’s reforms, the new economy. This was reflected by the fund’s overweight position in consumer and service sectors, including internet, tourism and education. We advise interest investors to include this fund in the supplementary part of their portfolios, with a maximum allocation of not more than 10% of their overall portfolios.
https://www.fundsupermart.com.my/main/resea...ober-2016--7514

This post has been edited by T231H: Oct 27 2017, 12:10 AM

Problem is , what is the competition?

I don't see FSM offering any other Global Tech based funds.

I am still fresh on this investment.

Still studying this tread...... but so sorry i just cant wait to ask:

1. Manage portfolio = auto pilot mode?
2. Is it a good idea for a newbie to put the $ in manage portfolio? Since no idea where to put $ into which fund.
3. Whats the different between UT & Fund?
4. A fund is worth to invest or not, is it can only forecast based on the history? or may be just like share market, says when out of sudden CEO resign, then the fund value will drop alot? (dont feel it is just like gambling or luck?)

I observes that Eastspring Invest Dinasti EF seems to have higher potential than CIMB Greater China, its recent yield is always higher than CIMB, may be a good alternative to consider.

Also, currently AH Select AP REITS seems on a bull run. Another potential candidate to replace Manulife REITS?

Some funds may perform better historically but we should always looking for rising stars in the future...

Exactly. To invest in the fund means we want to diversify into technology sectors. Although it is not outperforming the benchmark (for whatever reasons), it has a rather "higher" return compare to other asset class.

If you have another choice, go for those which outperform the index. If you don't include it for diversification reasons, as long as its risk-return is good.

The video presenter suggested two alternatives to UTF for growing wealth:

1) Set up your own business. Duh! Then that would not be classified as passive income. That would be active income.

2) Buy ETF. If ETF is available and accessible easily like across the causeway, sudah lama gua cabut beli ETF loh! When I say accessible, it include easy availability of essential comparison tools such as Std-Dev, ROI, corr-coeff, easy switching bla bla bla. Not what we have here in Malaysia, that is, the ETFs are all stand alone units.

Hence, these presenter are typically blurting out info that they hear, read or seen elsewhere in a foreign context without taking into the local context. So typical of
"know little bit, act like a pro" mentality.

Xuzen

There are few things good about the managed portfolio: you can go autopilot by just choosing the risk level you want, no hassle of picking the funds. Another thing is portfolio management: switching funds is rather troublesome if you do not know how to do it and FSM helps you switch funds automatically within the managed portfolio. Think of managed portfolio as a balanced fund of funds. They are also full time people working on your portfolio based on their market insights & analysis.

Diversification is the key, if you have 20 stocks in your fund portfolio, even 1 company has CEO problem will not damage the value of the entire fund. The managers working full time for the fund is at a better position to make decision to prevent fund value from being damage, much better than the part-time Joe like me. But it is very important to buy fund of good manager.

Happy investing.

Fully agree.

A thing to mention here is: UT investing is a means to build wealth, we either sustain our wealth level (if we can catch up with the inflation rate) or becomes wealthier than what we have now (if we can outperform the inflation rate). This is very important, if we cannot achieve it, how can we become rich? So UT investing is an important thing to retire rich and well. No doubt.

Then is the leverage, if we want to be rich we need to use leverage (properly!). That's the phase that comes after the stage we know how to build wealth with confidence. There comes also home buyer, or business at scale that loans are used properly. Those are some example for getting rich (before retirement?)

I do not agree what the reporter said either. He must not belittle UT investing, especially on a platform where funds of broad markets could be easily accessed, and at a substantially low front loading fees.

Happy investing!

I don't think UT is the way to go to get rich though, to sustain your wealth then yes. I think most of us use UT as a retirement tool. To get rich now it will be faster if you invest or trade in stocks...

Invest in stocks properly by margin, yes

for morningstar, u guys got put in the exact date u buy the fund? or u put in the 1st day u buy the fund, and subsequent top up no need adjustst? how to use it properly?

After much though, Is this a better combination?

1. Eastspring Investments Dynamic 15%
2. Affin Hwang Select Asia (ex Jpn) Quantum 15%
3. Affin Hwang Select Bond (RM) 10%
4. CIMB-Principal Greater China Equity 10%
5. CIMB-Principal Asia Pacific Dynamic Inc 20%
6. Kenanga Growth 10%
7. CIMB-Principal Global Titans 20%

Suggestions and comments are welcome, thank you.

Unknown to yr risk appetite n objectives....i simply tembak.....
Try cut down on asia pac (include china, hk)...get some india.tech.reits for diversification?

what make u so confident with Msia?
1. Eastspring Investments Dynamic 15% +
6. Kenanga Growth 10% +
2. Affin Hwang Select Asia (ex Jpn) Quantum 15% x 30%

A total of 30% in Msia EQ.

I also simply tembak
Cut down CIMB APDI by 5%, remove Quantum (Yet to prove its worthiness after the new strategy)
Put 5% into India, 5% into TA GTF and 10% into REITs

With so many tembak(s).... yer gotta ask yerself, are you feelin' lucky? Well, do ya? Punk!


or

Is it safer to play Pokémon style? Gotta catch em' al?


This post has been edited by xuzen: Oct 27 2017, 03:01 PM

may i know when there is dividend declaration which resulted in a steep drop of NAV, do you add more fund into it, while the NAV is low?

This post has been edited by Amanda85: Oct 27 2017, 04:50 PM

Thanks for the info. I understand stand that topping up now might not make difference in short term. But I was thinking that the NAV will shot back up in due time to the original price before dividend announcement, no?

we just don't know if it will go up.....

try think of it the other way.......what if the fund losses RM0.10 per unit nav.
and thus since you got more units you will lose more? no?

...up you win more bcos you got more units and down you lose more bcos you got more units, no?

This post has been edited by MUM: Oct 27 2017, 05:11 PM