This must be the most active thread in Lowyat. I don't think we need to monitor the share market anymore. Just monitor this thread. If it is very active, this means the share market is going up.

When is a good time to take profit? To wait for Trump's 100 days honeymoon period to finish? Or to do it now?

If you are doing it now, how much profit to skim off? For the ultra conversative or kiasu, they will skim off all the excess profit.

For those practising Value Averaging, if your profit is more than 4% from 1st January 2017 until 31st March 2017, then to skim off the extra 1% profit ala Value Averaging style. This is based on the assumption that you intend to make 12% per annum or 1% per month. The percentage to skim off will depend on your targeted annual profit.

For those who think they have over invested in US, they may sell off certain funds completely.

P/S: The more elegant term seems to be portfolio rebalancing rather than skimming off profits.

This post has been edited by Vanguard 2015: Feb 15 2017, 05:15 PM

Congrats. Taking profit now or continue to ride the roller coaster?

Sounds like a good move.

My 2 cents, you may consider dumping CIMB Greater China and substituting it with CIMB Asia Pacific Dynamic Fund. Wider coverage.

Buy Affin Hwang Select Asia Quantum Fund 10% and put remaining 10% into the Eastspring Emerging Global Market Fund.

No wrong and right answer. Your money, your decision, bro.

P/S: My proposed portfolio will also cover the China markets but with better risk reward ratio.

This post has been edited by Vanguard 2015: Feb 18 2017, 05:56 PM

Newbies, please listen to T231H. His 2 posts above are some of the best advice you can get.

You have been warned by Xuzen.

I switched out all my RHB Small Cap Opportunity Unit Trust into the RHB Money Market Fund. Eventually this money will be transferred out into my stock market portfolio.

Maintaining KGF and ESIC in my FSM portfolio.

Please see my signature for the list of stocks which I have purchased in the past 2 weeks since I started my stock market investment (or trading) journey. I am active in Traders Kopitiam. Out of respect for the members here, we can continue our discussion there.

This post has been edited by Vanguard 2015: Feb 21 2017, 06:09 PM

Happy Investing. Huat ar.

BTW you can switch to "desktop version" on your mobile phone by clicking on the button at the bottom of your screen.

I just switched my entire Eastspring Investments Global Leaders MY Fund into the Eastspring Bond Fund.

I need more ammo to top up when the market corrects itself in the future. I am maintaining my CIMB Global Titans Fund and the TA Global Technology Fund for exposure to the US market.

puchongite

My friend, I also need some exposure to global market like Japan and Europe as well. I don't have your bola besi to only invest in a few funds.

That's why I chose TA GTF.

If you are referring to my RHB US Focus Equity Fund, I have switched out completely as well.

This is not because I believe the US market will correct itself soon. It may or may not. Only God knows. What I know is that I have made some profits and I need to increase my bond portfolio, i.e. to adjust my asset allocation.

Actually the FSM Recommmeded Portfolio is a good starting point. You can use it as a guide and tweak your portfolio from there.

Since you have RM50k to invest and assuming this is a substantial part of your savings, I would suggest you do DCA for the next 5 months or every alternate month. Just put RM10k for your initial investment into different funds and RM10k for the 2nd tranche, 3rd tranche, etc.

This is because the market can be volatile and you don't want to be caught investing one lump sum just before the storm hits.

Good luck in your investing journey!

Speaking from personal experience and after still being trapped in a private equity fund with a lock in period of 5 years, I would advise forumers here to stay away from them.

This is especially for close ended funds with minimum investment of RM100K with no possibility of DCA to average down the price. In this respect, I should have listened to Sifu Xuzen.

Please learn from my mistake.

This post has been edited by Vanguard 2015: Feb 27 2017, 11:46 AM

Sahabat Xuzen, I won't change my mind in the future even if the fund is capital guaranteed (sounds like an endowment policy but that's a story for another day).

I would rather have the chance to do DCA or VA or leap to another better horse within 5 years rather than being locked in.

The fund in question is RHB Pre-IPO & Special Situation Fund 3. It was launched in November 2015. Currently at -2.98%.

I won't say that the fund has tumbled. I am looking at the opportunity cost. I could have invested in other unit trusts like KGF as suggested by Xuzen. Even the fixed deposit rate would have beaten it hands down.

The previous RHB Pre-IPO was giving about 20% return per annum (Note to self : Past performance is not indicative of future performance).

But RHB Pre-IPO still have 3 years plus to go. Hopefully it will pick up (Note to self : This time it will be different? Or it would not be different? The hope of a delusional investor?)

This post has been edited by Vanguard 2015: Feb 27 2017, 02:48 PM

Hi Xuzen, thank you for your encouraging words.

I still have much to learn in terms of keeping my ego and greed in place.

Why about using either constant dollar investing or value averaging to lock in the profits? Isn't that a better option than to cash out from a fund completely?

For e.g., for constant dollar investing, your equity fund portion is constant. Let's say you bought Eastspring Small Cap for RM10k. It has now increased 20%. You then transfer RM2k into Eastspring Bond Fund. Your EISC value is still RM10k. After 6 months, the market corrects and EISC drops 20%. You switched back all the Eastspring Bond into EISC free of charge using credit points. Note: Another variation of buy low, sell high?

Just my own thought. No right or wrong answer. Everyone has different investing style. 👍

Kaka is a sis.


Sis, no time no see. Sudah hilang pergi mana?

Pink Spider, am I reading your post correctly? Are you saying that you have sold off ALL your unit trusts in FSM except for RHB EM Bonds and park it under CMF?
Sounds rather ominous. Like the unit trusts are going to crash or something.

Walao. I will wait for Pink Spider's confirmation. So he doesn't do asset allocation anymore between different funds in FSM?

Okie, okie. Thanks for the clarification. You nearly gave me a heart attack with the earlier post.