ya.. but how down is down
AND
can we hold on?
OR
hands-forced coz cant hold due to fear
and/or
kaka happens & no/not enough emergency fund to pull through, thus forced to sell?

Stock futures fell sharply on Sunday, indicating a lower open when Wall Street begins trading on Monday, as world governments race to contain the fallout from the coronavirus pandemic.

Contracts on the S&P 500 slumped 5% just minutes after overnight trading opened at 6 p.m. ET Sunday, hitting the daily lower limit established by CME Group to prevent further extreme losses. Stocks held those lows as the stimulus bill being debated in the Senate failed on a key procedural vote, underscoring political divisions even as the outbreak grows more alarming.

https://finance.yahoo.com/news/stock-market...-221605039.html

read somewhere previously....it is more effective and efficient to go for oil ETF....
try etf thread?

I'll never touch Malaysian centric funds anymore.
Doesn't have a good experience with them. 

I am cutting 1/3 of my precious metal fund holding

I personally avoided new funds because to me buying a fund is also placing a trust in the judgement of the fund manager. I can't see how is his judgement just by his relatively short performance. I would want to see not just what he purchased but his performance during extraordinary times of change.

what do you get for gold account apart from the lower sales charge?

Yes you are right. If the top up is insignificant than the impact is also insignificant to the overall portfolio.

Edit: I got a feeling that gold is about the make another run to challange the previous 52 weeks high.

p/s : my analysis is only true for me.

I only see price action and therefore my analysis is backward looking. I just notice that the price of gold is turning higher while others is slowing down. Gold refuse to drop even after the surprise job numbers. It has now climb back above 17xx again. Excellent risk reward.

What do u think?

Yes you are right. If the top up is insignificant than the impact is also insignificant to the overall portfolio.

Edit: I got a feeling that gold is about the make another run to challange the previous 52 weeks high.

maybe can try read this article published just last week 25 June 2020 by Affinhwang....
As we approach the midyear mark in 2020, what is the outlook for markets for the rest of the year?
In the following interview Teng Chee Wai, Managing Director of Affin Hwang AM shares his views on the current investment landscape and investing in the new normal.
https://affinhwangam.com/insights/articles-...-the-new-normal