QUOTE(T231H @ May 24 2017, 08:05 PM)
for points 1~4..........."Past performance is not necessarily indicative of the future or likely performance of the fund".
for point 5? low correlation? sure boh?
your 20% Eastspring Global Leader has 54% in US = 10% of your allocation
your 10% CIMB Global Titan has 42% in US = 4% of your allocation
your 15% Manulife US Equity / TA European Equity (either one I will choose, but not sure which, suggest me) (currently prefer manulife) has 100% in US = 15% of your allocation
your 10% TA Global Technology has 80% in US = 8% of your allocation
adds up to about 37% of your allocation in US....
on this "I'm 22 y/o btw, I guess I should go full equity and then sit and wait for at least 5 years"......age do allows you to have higher equities ratio but it is the real personal risk appetite that would determine if you can sleep well with it for 5 years......
For instance, you might have thought you are an aggressive investor who can cope with a high level of risk. However, in practice, if you find that you always panic too soon every time the market dips, and get overly euphoric and pump in more money whenever markets are on a roll, then high-risk investments may not so suitable for you because they are likely to cause you to lose money.
https://www.fundsupermart.com.my/main/resea...-May-2015--5825just my 2 cents.....
Thanks for your input
Yeah I know I can't judge based on past performance alone, I used it to determine whether the fund is performing consistently or not, 1 example is Principal Greater China, it gave double digit returns each year (2012 - 2016). I would avoid the fund if it consistently give negative or low return.
Thanks for pointing out the details for correlation, to be honest I haven't read the asset allocation in detail yet, so I'm not aware about that 37% allocation in US, I roughly picked them.
I understand your concern about the risk.
However, I'm aware that in short-term, UT can swing both ways, but it generally points to positive return in the long term, also it takes 3 to 5 years to be able to see meaningful returns. With these in mind, I don't think it will affect my emotions, I would just wait, in the meantime invest further in it regularly, advise me if I'm wrong
May 11 2017, 07:14 PM
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