I doubt this will happen....   By nature, Moderately Aggressive has minimum allocation of 70-80% Equity Funds in portfolio. They cannot lower the ratio too much as this is aganst the Factsheet/fund promise. So the only way for you to avoid losing is to sell your whole portfolio... 

*FSM keep on stressing that dont try to time the market, instead focusing on long term goal. Use Annualized return, instead of Per Annum etc...

Perhaps not switching between equity and bonds lar, instead switching from Asia funds to emerging market funds during Asia market crash for example. Since inception of managed portfolio they changed a few funds already right?

Their funds remain the same, just minor rebalance 

I think if Asia market crash all markets will mati together as well 

If what you say is correct then it is a futile exercise to diversify into funds in different regions/countries.

Their funds remain the same, just minor rebalance 

I think if Asia market crash all markets will mati together as well 

If what you say is correct then it is a futile exercise to diversify into funds in different regions/countries.

Actually no. There is a difference between Crash vs Turbulence 

Diversification is good to reduce market turbulences, but not crash 

Actually no. There is a difference between Crash vs Turbulence 

Diversification is good to reduce market turbulences, but not crash 

I doubt your words are industry recognized terms and definition.

In reality, it's going to be difficult to tell when the market is going to crash and when it is going through turbulence.

I doubt your words are industry recognized terms and definition.

In reality, it's going to be difficult to tell when the market is going to crash and when it is going through turbulence.

Top fund of the month :-

https://www.fundsupermart.com.my/main/fundi...denOutputList=1

One year 52.16%.

You need to be a "high value individual" to buy that right? lol

Well, that's just a thing for show, to make sure one is brave enough to stomach the risk. You can just click yes yes yes and it will go through.

But minimum amount is rm10k and rm1k for subsequent, that’s quite high for some!

Anyone still keeping RHB EMB? Seems declining now.

Anyone still keeping RHB EMB? Seems declining now.

FSM managed portfolio November commentary is out 

Sui Jau's ....
"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount.
Something you are comfortable with even if you suffer losses.
It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust.
Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash.
The key thing is you have to accumulate investing experience.
No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest.
You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times.
And learning from mistakes made is the greatest teacher."
https://secure.fundsupermart.com/main/resea...SJBlog_20141031

just an example......(luckily still under "cooling off" period)

sorry have to use your post as an example....

Where to view this?