for just 1 year to try to make a returns of 7~10% with a "moderate' risk profile.....

try this as per FSM portfolio simulation?
annualised 16% in 5 yrs period
3 yrs volatility at 7.7%
well that simulation are based on past.....

Disclaimer:
This post does not constitute an investment recommendation. No person should rely on the content and/or act on the basis of any matter contained in this post without obtaining specific professional advice.
Investment involves risk. The NAV price of a fund 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. Investors should read the relevant fund's prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.



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2 weeks ago, FSM came out with this.

All in all, we believe that a fund with an unhedged foreign currency exposure is a double edge sword. As we have mentioned before, for investors who have invested into the unhedged foreign funds over the past 2 to 3 years, they might have earned very handsome return. However, with the current market condition and the several factors that are pointing to increasing positives for the Ringgit, investors who want to have exposure to foreign bond funds could consider the Affin Hwang Select Bond Fund - MYR or Eastspring Investments Global Target Income Fund; both fund managers implement appropriate hedging strategy with most of its foreign currency exposure hedged back to the MYR.

What’s the prospect for Ringgit in 2018?
https://www.fundsupermart.com.my/main/resea...mber-2017--9144

just a reminder....for those new applicant....

https://www.fundsupermart.com.my/main/home/index.svdo


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fret not, this SC discount may be back next month during the fair....
so just prepare the ammo.

talking about missed the SC.....many people would have cursed about missing the mkts discount during the early Dec minor corrections....

no sifus here but just "mumbling" my thought.....

a portfolio composition need not have to have a "rounded' numerical value in terms of % when setting them.
it just looks nice on paper data....but the most import is it must align with one's diversification intention, risk and expectation preferences.

"How do you determine how much exposure to a certain market in order to be diversified?"
.....with many unknown to a lot of things about you and if you trust FSM, you may try this
1) Star rating
https://www.fundsupermart.com.my/main/resea...tarRatings.svdo
allocate more % in regions/countries that has more stars
2) model portfolio
https://www.fundsupermart.com.my/fsm/manage...ials/factsheets
select the intended portfolio type, then see how they do the composition allocation.

"with IR expected to increase next year, is it not a good time to get bond funds now?"
as mentioned before by others.....depending on your stages of investment......a bond fund may not be necessary....especially if one is aming for asset accumulation and has a long time frame for this investment.
some want a bond fund as a stabiliser to a portfolio
some want a bond fund as a warchest ....ready to switch out when there is any turbulance drops in the EQ markets......then when the EQ mkts recovers switch back that portion to bond fund.

something of added interest....
WORRY ON BOND FUND RETURNS AMID A RISING INTEREST RATE ENVIRONMENT?
Rising rates or not, bonds, is still the shield for long-term investors as they act as an embankment against volatility in stock market. It is vital to have enough exposure in stocks to provide growth opportunities and protection against inflation, but at the same time have bonds to act as a portfolio stabiliser while providing at least a minimum of income.
CONCLUSION
Investors should know that never put all the eggs in one basket is nice, and at the same time having a good basket that able to cater all investment weather is even better. While we are against a rising interest rate backdrop, we continue to advocate investors to have a diversified asset allocation (read our latest Adjustments To Our Asset Allocation) between equities and fixed income with respect to their risk profile.
https://www.fundsupermart.com.my/main/resea...mber-2017--8800

4 Bond Funds for You to Shelter Against the Ringgit’s Strength
https://www.fundsupermart.com.my/main/resea...June-2017--8441

What’s the prospect for Ringgit in 2018?
FSM believe that a fund with an unhedged foreign currency exposure is a double edge sword. As we have mentioned before, for investors who have invested into the unhedged foreign funds over the past 2 to 3 years, they might have earned very handsome return. However, with the current market condition and the several factors that are pointing to increasing positives for the Ringgit, investors who want to have exposure to foreign bond funds could consider....
https://www.fundsupermart.com.my/main/resea...mber-2017--9144

shouldn't one select based on one's risk appetite preference?
the past performance and the projected returns of each portfolio are based on past and projection....thus future performance are still unknown......

i think "NO" promotion for managed portfolio...based on was told last end may when they started it, that they did not expect the response to be so good....

btw, if your DIY is better than them..why do you need them?

Based on what you mentioned....then of course it is not necessary to go for higher risk.....

YES. MERRY CHRISTMAS readers....

‘Tis The Time To Be Merry, & To Rebalance!
https://secure.fundsupermart.com/fsm/articl...7-?locale=en_us

or is the data from the source are slow?

update..buy button available now...

This post has been edited by T231H: Dec 29 2017, 10:36 AM

nope...not affiliated in any sort...

This post has been edited by T231H: Dec 30 2017, 09:13 AM

no idea....
if you want, can try use the FSM tool to see
goto FUNDS INFO/ CHART CENTER/
to see and compare with your fund?

i think the better option is for you to determine how each fund(s) compliments your overall investment stratergy....
may i suggest you try to use the fund(s) under the "recommneded fund lists"....they may not be the best in terms of ROIs but at least they were "filtered" in some methodology....

https://www.fundsupermart.com.my/main/resea...tormaincode=All

caveat emptor....
just have to mention this.....
3 Misconceptions Of Our Recommended Unit Trusts List
https://www.fundsupermart.com.my/main/resea...July-2015--6041

no right or wrong on your part...it is your choice, kind of same choices for those that select to put their saving in FD or ASN

after 2010, the markets had been on the up trend ever since, if those were to just wait for another market corrections,....i am sure he would have missed alot of the opportunities.....well it is their choices, actions and preferences if they missed out some added returns.....not really missed out all returns, if they go for FD or ASN...they would have about 4~6% pa....

an all time high on an index may not mean and all time high on other indexes.
a fund that invested in the country/sector with an all time high index, may mean nothing to that fund for that fund may not be holding any of that index linked stocks.....

the real test, is whether he did have what it takes (guts and emotional steadfast) to buy in during the periodic minor corrections of 5~10% on a fund.
some funds has the tendency to moves at that rate periodically....

to see if he has what it takes to do it will not be able to determine what he preached too...for at that time, he may have other reasons to avoid going in too....
no right or wrong...just individual's preferences......it is his money and his life....

for those that are not sure...just diversify, do DCA and allocate more % to those regions with more stars ratings....bear in mind to reduce allocation to those funds that has higher 3 yrs volatility % numbers.

This post has been edited by T231H: Jan 2 2018, 12:05 PM

if those that bailed out after just 3 yrs of up swings 2010 to 2013 (scare lah...mkts had been up for 3 yrs liao...better cabut now and sit at the sidelines waiting for it to come down again)........wondering what he would have missed out......
well,...at least he still have about 4~6% pa....
and he got to have a good nite sleeps everynite too since 2013.

for those that are interested ....

The Perils Of Forecasting And The Need For A Disciplined Investment Process
https://www.fundsupermart.com.my/main/resea...ss-31-May--8422

What To Do If Certain Markets Are Getting Expensive?
https://secure.fundsupermart.com/main/resea...SJBlog_20150402

what is the total % of allocation in the China/hk/taiwan regions are in your portfolio?

This post has been edited by T231H: Jan 2 2018, 12:32 PM

This post has been edited by T231H: Jan 3 2018, 05:04 PM

here is what FSM says.....
"Clients can enjoy greater savings from Insurance@FSM as we are able to deliver 30% in commissions back to you. We help you in getting protected at the lowest cost possible and in turn encourage you to use the cost savings for your investments."

https://www.fundsupermart.com.my/insurance/...e-insurance-fsm