Yeah, my China funds are really bleeding. FSM has after all been heavily promoting China funds over the past couple of years. Oops.

depending who you trusted more?
depending how long do you expected the returns to come in?
depending how much % you wanted to buy in relation to the % of your portfolio?

there are article as pointed out by "MUM" just few posts back and article by FSM.......

some had left China for now, and some are going in again......that depends....

for me...just me and my risk appetite....
IF not sure, and if your portfolio had less than 10% in China/HK...to me..YES can go in..
but if your port has already >10% but < 20% of China/HK......can go in but try DCA
but if your port has already >20% in China/Hk...if can try not go in.....

honestly speaking, I dont see good prospect on CN and Asia Pacific.

if look correctly in the graph. it's take long period to recover. many may say timing is not a good thing to practice in UT. but at the moment, you need to factor in some issue. not go in build your desire port blindly.

trump election thing
trade war ofc
GFC yet to come

I highly suggest you to wait and see.
if you browse back 0118 to 0618 post.

how many of us catched the falling knife? I had.

the  market now toooooooo shaky. look at the graph of Ponzi 2.

the valley formed is getting deep.
if you can see it bleed daily... can in. no problem.

I did ask this is their reply

"
Please informed that update bank account details are a mandatory field for all investors to fill in before to perform any transaction at our platform currently. The registered bank account details are for the redemption of cash investment in future, however, we have restricted all investors to register a bank account with Fundsupermart.com for all type of transactions including PRS and EPF investment.

Please be advised that you can update your bank account details by logging into your investment account and click on My Investments >> Update Account >> Redemption Instruction.

On the next page, please click on "Add Bank Account" button to update your bank account details. The changes will reflect in our system immediately after your updates. Thereafter, you may continue to place purchase order online.
Should you need further assistance, please feel free to contact us .

"

Apparently, they need to have our bank account numbers now

Business NOT that good   
Entry value reduced....

FSM Managed Portfolios Minimum Investment Amount Reduced to RM5,000!
https://www.fundsupermart.com.my/main/resea...,000!-10207

I have access to zero sales charge 24/7 and I am still not biting. Price wise still too pricey for my liking.

Never focus on sales charge. If you feel is cheap now, by all means go ahead and buy. If not,  just wait la.

but but am dynamic got redemption fees.... 1% lol.

now new gem is Nomura I income....

why keep in CMF lol....

hmm... so far la... redemption fees i know of is dynamic, rhb both Islamic and non Islamic bond fund.

others don't have...

Libra don't have

currently my holding la.

Dynamic
Nomura I income
Libra.
dynamic is for long term. but I don't know whether is the redemptions fees compulsory no matter how long or what. in the fees part it stated 1% and doest not say duration like in rhb bond.

still remember the Malaysia Baru promotion?

yup.
tio burn. LOL.

you heavy on MYEQ?

All the best.

with out budget 19 around and Gamuda wayang....

not yet bottom....

Good time to buy ?

Actually not really bro. I bought my S-reits when things were on discount about 2 years back. Have been holding on to them even if price shot up cause I got no confidence able to buy back at lower price. When price went up, I didn't give chase. Just ignore. Even with the recent sell down, the S-reits didn't even touch my entry price. Just pick up some other dividend counters that I was eyeing during my entry time.

Not if you never give in to lifestyle inflation. More income = more spending? No thank you. You will come back to square one.
Correction one month save RM3k. Keep money first then when got huge amount change over la. One year can easily change RM36k. Enough for me to buy 2-3 counters if needed. Siapa minta convert RM3k. Be super frugal and you have more cash for investment. Do you need all fancy food at high class restaurant, newest gadget, newest car, yearly overseas holiday,  RM50/baju? For me I don't. I spend on what I need,  save the rest for investment. Know what you want. I do not want and need such short term gratification.

It all comes down to choices. Do you want to spend it now or do you want to grow it?
Hahaha... If daddy kasi,  I no need to pay rental, bills, petrol already.

Yup. Market rebounded. Oh well I already scoop some discount already yesterday.

Ramjade you are a different breed la.
You do provide entertainment.
Not only in investing but also lifestyle. So having a partner won't make economic sense for you right? How to survive within 1k if got partner? Male her eat Maggi everyday?
Save save save for tomorrow but what if when you 40 your kuku can't stand? What if you sick and unhealthy? Can't even enjoy your passive income that you spent lat 2 decades saving and sacrificing? Don't throw your youth away.

  just seeking for clarification of your thought......for most of the time your replies are so vague or full of other possibilities,...thus I need to really seek more clarification to determine where and how your replies fits into my queries.