Surfed a little bit on the FSM website, looks most (or all) equity funds have sales charge of 1.75%. Not too exciting.

Oh, that is really a great offer, will go in the details, thanks.

I don´t deal with the prime minister, not with the current and not with predecessors, too dangerous long term
But sure, anything can be charged. I am happy with 5.5% if it is combined with 7.5% FD promo rate.


Yeah, 2.0 is the "normal" nego rate, also took this from SC to grab the extra interest for the PSA. CIMB has a 1.0% SC promo for many unit trusts right now.

No. Like all other of these Greater China funds it is invested heavily in Taiwan Semi. Which performed very good this year again. Even Trump cannot break this stock, just hurt it. Otherwise would be 20% higher already.

No2 und No3 in their portfolio are Tencent and Alibaba, both rocked the house again in May and June, especially Tencent.

Because of the Huawei ban from Trump I am not so optimistic about Taiwan Semi anymore. Follow this stock very closely. Also Tencent and Alibaba very high right now, these three stocks show the way for this fund. Save this pdf and wait for the next one: https://www.principal.com.my/sites/default/...%29_MYR_FFS.pdf

Looking forward to see if the fund manager has reduces his exposure in Taiwan Semi. Overall many Chinese stocks are very expensive now. But banks and insurance not, worth to think about.

Just keep it simple with such a small amount and buy some Microsoft shares.

This post has been edited by David_Yang: Jun 29 2020, 11:55 AM

Car industry China only! We in Malaysia know why

Actually I ordered a batch of Geely stocks when I ordered my X50 in October. Already almost 100% plus

If Proton still delays the delivery for some months I maybe can pay the car only with the gains from the investment in Geely

For 2021 I have shifted my portfolio very heavy into China, Korea, Taiwan, Japan and Hong Kong.

Looks totally unbalanced. Do your homework and check the Top 10 holdings of this funds. I would not be surprised if you find out all four funds hold a quite amount of same stocks.

Samesame. Alibaba, Tencent, Taiwan Semi. The big three everyone has in it´s portfolio, big or small. As usual with all these Ex Japan Asians. Yeah, running good at the moment, I hold all these stocks, but if one fund loses, all other will do the exactly same. You need to diversify. And maybe ask yourself the question if you not can do these totally basic stock investments, the three mentioned plus Ping An, AIA, Samsung, BYD ... by yourself.

In my opinion a unit trust where you pay sales charge and management fee should be able to provide something special that we cannot do so easy by ourself.

I usually do not hold more than 5% of my portfolio in one stock. Yes, I know, many say this is TOTALLY WRONG, but I have a very diversified strategy with stocks around the world and a mix of dividend and growth stocks. My highest position in Pinduoduo (5%), but this is not because I think they are better than Alibaba and Tencent, it is because they have grown 420% already. Originally I bought less stocks from Pinduoduo compared to the two big guns.

Others between 3 and under 5% are in this order:

Taiwan Semi
BYD
Cansino (Chinese Covid 19 vaccine)
Samsung
Tencent
Porsche
Sony
Keysight Technologies
Alibaba
Geely

Actually the portfolio changed a lot the last weeks, because I sold many Covid 19 vaccination companies. So I have loads of cash now, which is also what I prefer. If the market crashes like last February and March I was able to buy like crazy.

Sure. Actually I would recommend not to start at the stock market with less than RM 100´000. Before you reach this number better stick with unit trusts. But be prepared that there will be the time when you want to take your fortune in your hand. Why? The big advantage is that you can do what you want. A unit trust is like a oil tanker, cannot move around quickly. So many interesting stocks are too small for unit trusts. And almost always have to invest 100%, because otherwise in every good year the fund would not beat the index. When the market crashes it can do nothing except emergency selling at all cost.

No need to keep it secret, in 2020 I gained RM 492878.62

But let´s be humble, that was not because I am such a clever boy, that was because of the ideal year that comes every 10 or 15 years and I was at the right time at the right place and prepared. And after many learning years at the stock market I made the right decisions.

This will not happen again for long time that is for sure. Maybe this year can be the second best ever thanks to the covid 19 vaccination stocks. I bought them all with the gains from 2020 and luckily put the biggest amount in Cansino. Which is going to the roof, in Shanghai today after growing the maximum 20% no more people who were willing to sell.
Enjoy the craziness: https://www.google.com/finance/quote/688185:SHA

Time to bag in some profits again, Cansino already number 2 in my portfolio after overtaking Taiwan Semi and BYD this week.

Later this year I want to switch my portfolio more in direction 5G stocks. Actually that was my plan already end of 2019, but I was too busy with trading first the corona wave and then the corona vaccination wave.

So what I want to share with you, yeah, unit trusts can do a good job for you, nowadays with the classics Ali, Tencent and Taiwan Semi all growing growing growing, even with small money you can take part. But if you want to grab the best occasions of a century at the stock market, you need to do it by yourself. That is the difference between a small sailing boat that can make a turn in a moment and the next turn a moment later, which a oil tanker obviously cannot do.

Probably

Main thing from my point of view, if inflation hits eurozone and us, interest rates well hike and stock market will go down. If it happens, no idea, but the risk is higher than ever.

This post has been edited by David_Yang: Mar 3 2021, 11:42 AM