do you have other fund(s) that you can substitute that with?

My EPF is also stuck with Affin-Hwang REIT fund also.
ROI to-date is barely over < 1%.

if interswitch charges is your main concern...can try have a look at this....
Affin Hwang Select Asia (Ex Japan) Opportunity Fund

Investing in Unit Trusts: Strategies
https://www.fundsupermart.com.my/main/schoo...g.svdo?PageID=6

more on google....
https://www.google.com/search?source=hp&ei=...1.0.2_UK7oGh3fo

Strategy in fund selection or strategy on when to top up?

look into wat and which sector the fund investing in?
determine whether suck decision is good for medium to long run?
investigate the record of the fund house/manager?

it will definitely be a wrong strategy if you plan to buy and see the result only after 10 years....
unless, there is no set ROI to invest...in that case...by a Asia Pac balanced fund will be enough.

the FMs cannot suka suka buy when he think a stock is good...it cannot be a 1 person decision......they will have a team of researchers, and a risk assessment board to ensure that the stock selected are within their investment parameter and guidelines....

We can only judge from historical performance. Those with more advance insights can look further ahead in the world trends n buy beforehand expecting certain fund to increase due to its underlying holdings.

As to top up strategy I suggest VCA

my understanding is that the corrections started in early Feb 2018...
from 2 Feb till now Cimb Asia Pac dynamic income fund - MYR lost 4.6%.....
just wondering how it can pull your total investment to positive.....

the fund lost 2.6% from 2 Jan till now....

oic,...now i know how you concluded that cimb dynamic income fund (Ponzi 2.0) is so strong and how despite all your other funds are negative; Ponzi 2.0 is still in black and suggested that it is that fund that pulled your total investment to positive despite others dragging it down.

Thanks for sharing your method.....

using your method......if you had just bought into them just 3 or 4 years ago...i think "none" will be in RED.

dont take my post too literally, just illustration on what u can save... All the talk about managing prs, and comparing with epf, i think is too troublesome. Prs is additional retirement savings, priority should be given to epf first.. If dun have epf, shouldnt even think of prs imo.

mind to share how may % is this fund is in your portfolio?

as this fund is of highest FSM risk rating...try to allocate it to under 10%? (perhaps maybe even 5% like for India, Reits, resources and Tech....let them be the strikers in your team?)

It may has its place in a portfolio

just my 2 cents...caveat emptor

In Feb 2017,...FSM did has an article on this fund....
at the very end of it, it did mentioned,
"......Interested investors can consider to include the fund into the supplementary part of their portfolios, with not more than 10% allocation of their overall portfolios. "

https://www.fundsupermart.com.my/main/resea...uary-2017--7950

anyway,...most would just say.....if you are still young and have a good risk appetite and this UT investment portfolio is not your only investment....then can go big or go home 

no right or wrong....maybe circumstances changes and this period of lower than expected performance will helps you to realign and relects on your investment's selection perspective.

isn't the FMs is buying into the notion as highlighted in RED too?

and also FMs has more indepth info of the actual plants(entities) itself than just referring to the financial reports