as per Sui Jau's blog....
"The most important advice I would give to anyone who hasn't started (be it man or woman) and is being held back is to starting investing now, but use a small amount. Something you are comfortable with even if you suffer losses. It can be as little as one thousand dollars because that is usually all you need to start investing into a unit trust. Then, as you invest, you will see how markets and such affect your returns and you will be able to learn from your experiences without suffering too much heartache compared to if you placed your entire life savings into the market and lose half of it in a market crash. The key thing is you have to accumulate investing experience. No amount of prior reading up and accumulating of knowledge can compare with actual investing experience which can only be built up by using your own money to invest. You have to experience the emotional pull that comes from market ups and downs and learn how to handle your emotions during those times. And learning from mistakes made is the greatest teacher."

Ta tech 10%, United Global 15% = 15% in Global Tech sector....which is also about 10% of US Tech Equities....
hope that allocation is ok with you....
(a 10% drop in Nasdaq may drops your port by 2%)

Diversification helps to smooten the portfolio volatility.....
current Equities volatility is being helped by FI, Reits, India, Gold and Tech...
(check the YTD ROIs of Gold, India, Tech)

wanted about 6%pa
scared NAV goes down....

with these criteria....

try ASNB Fixed priced fund....
else, the current "hot" favorite is Nomura I-income fund....but initial investment is RM10k

else, someone mentioned...Ambond and Ambond Islamic...check that out?

Not a sifu here, just sharing my opinion
1) Go for Asnita, pretty solid these days
2) What is your target exposure to ManuREIT? If you already plan to have certain exposure for REIT, go and DCA for it, no need to wait.
3) Selina REIT is just an old nickname for AmAsia Pacific REITs - Class B. Search for AmAsia Pacific REIT in FSM instead.

Some of your stated bond funds gas...
Redemption fees
High initial investment

Interest rate getting lower....nany would say reits funds has good prospect

Selina reits is amasia pac reits...

I am defensive now. Reit n gold. Not expecting anything from g20.
But I can see US starting to speed up again.

Reits already expensive. You can buy more if you think they are still cheap. I already stopped buying.

I only use eunittrust MY to buy their money market fund (MMF). If FSM offers higher interest for MMF, I will switch. As mentioned by MUM 0% only valid for transaction of RM5k and above. Good thing about eunittrust MY is no quarterly platform fees for bond funds compare to FSM. Is there really 0% platform? Yes But not in malaysia. In SG only.

You can consider
Stashaway also or DIY S&P 500 Index w/ 0.07% Annual Fee
No deal and market crash.   
G20

Yup, MMF (or CMF, Cash Management Fund) is a place to just put your fund while waiting for the right time to go in, or just leave it there and let the system auto-invest for you on monthly basis.

For FSM, they usually refer to this: https://www.fundsupermart.com.my/fsmone/fun...management-fund

I wouldn't say MMF/CMF has greater flexibility than FD though. You can easily uplift your e-FD anytime via bank's websites.

Want to park some money for 1 year, the "best" fix income in FSM is Nomura Income?

Looks like its that time of the month again.

Adjustment made in May 16th, switch sell TAGTF. Switch buy to Manu REIT on May 21st. YTD 23.18%. Up +5.03% on June MoM.

Bought with new fund. June 19th, bought RHB Gold And General Fund. Up +4.46% on June.

Portfolio value MoM change : +4.84%

Wow. Even USD SGD fund also entitle for .8% that's very nice.

But that's not in the recommended list.

Ponzi 2 and Nikko. Whoever this this fund is suitable, SGD class is worthwhile to think of.

Wow. Even USD SGD fund also entitle for .8% that's very nice.

But that's not in the recommended list.

Ponzi 2 and Nikko. Whoever this this fund is suitable, SGD class is worthwhile to think of.

Imho if u already bought this earlier just hold it for now. I went in rhb gold and general fund on 19th June and it's up 10.25% so far. Not bad for 1 month gain.

I'm still holding. It's +13.89% now. Bought on 19th June