I'm really new to this ... So i need your opinions. I've got a few thousand units on Maybank Bosera Greater China and I want to cash out those units ... But when is the best time to cash them out ? Now or should I wait ... It is showing an uptrend and every little penny counts for me as I'm already making a loss on it. What do you guys think ? I'm sorry ... Ultra noob here 😅

I was planning for short-term investment ... But I see now that it's not a good idea for that . I had extra cash and I'm still a student. I saw that UT was the easiest way I could place my cash from Maybank.... So that's what I did. On the other hand ,I had parked my money in FD and it just got uplifted. Now I'm not really sure what to do with the money ...i saw CIMB's 4.4% Unfixed Deposit , most probably gonna put there .

I'll answer no.4 first so u get an idea of answers for the remaining question .... No plan hahaha . I just had extra cash ... And I wanted to learn something new ( guess i learnt it the hard way ) ... And tbh , I like everything just being online so that's why I chose UT and since it was extea cash , i decided to go for high risk ratings.

3) Luckily not ... I've invested in TA Global aswell ... I really didn't look into other funds tbh. After a quick lookup ... I see that those are low risk funds that gradually show a upward trend.

2) Where else can I invest in ? Well what I was thinking is that to redeem this Maybank units and leave the TA Global units and put the money either in FD or something else. I actually wanted to cash out because I saw a downward trend everytime December comes ... I'm not sure though thats why I asked you guys 😅

1) I dont think I have that much money to 'rebalance' . The only problem I see in UT is the sales charge. It is really quite high ( through Maybank ) and to see the money reach its initial investment amount already takes much time...

Is there any advice would you like to give me as a student where I could maximize my savings and earn some income while doing it ?
I have enough to place FD but what do i do with the extra cash ? Is ASB a good option ? But if I'm not mistaken , you have to be working or must be guaranteed but I don't want other people to be involved in my investment.😅

Thanks guys for the quick reply.

I was just about to whine about how the new app is making it hard for me. Went on Google Play Store and found the old one still available. Quickly downloaded it 😂