Isn't this the correction itself ? Malaysia is undervalued right ?

please let me know if i got this correctly.
the rhb cash management fund 2 allows us to instantly redeem our units to buy into other funds within FSM and the transaction happens on the very same day right ?
It is only when we want to sell it for cash that we have to wait 2 working days ?

If you look at his Freedom fund which he was kind enough to share, his return for 2015 was about 2.x % and 2016 was 3.x %

So investing in stock was not as easy in real life when you factor in all the variables. If you are a talented investor then for sure. But for an average Joe, who wants a simpler path, then maybe informed passive investment in mutual fund is a worthy consideration.

I mean for me that is, I don't care if UT can't beat the benchmarks in returns. My assumption is that UT did their due diligence in diversification so for sure that may dampen the returns, but if the UT loses more than benchmark in bad times then it says something negative about the fund. UT should be less volatile than the benchmark, that is my expectation.

I prefer to compare UT with all my existing crappy investment like FD, endowment and such. If UT is consistently >3% better in returns than these instruments then i am all for it.

This post has been edited by killdavid: Feb 11 2017, 05:53 PM

ok thanks for correcting my view


This post has been edited by killdavid: Feb 11 2017, 06:04 PM

I guess for those funds, you have to enter and take your profit at the right time.

But like you said right, in his scenario, over time the fund has distributions and he accumulated more units. So even when the NAV grows back, it grows back with compound interest via the additional units he posses.

But with no distributions and re-invest, then the value of his investment is solely depending on NAV. So even when the fund starts to go up, it would be with his 1000 units. Do correct me if i'm wrong. I'm also learning.

This post has been edited by killdavid: Feb 14 2017, 09:18 AM

AmAsia REIT seems to get more love here than MANULIFE ASIA-PACIFIC REIT.

Anyone want to elaborate on this ?

Time your entry into the fund, then leave it auto pilot from then on. Can ?

Morning all, just for sharing. This shows where all the big investment company are putting their bet on. So maybe can help you decide where you should invest in.[attachmentid=8512171]

Edit:
Just what to add in what i gather from this info, i am noob don't flame me ya.
When Trump came into power there was a huge capital flight from China for fear of trade war. Now when things start to settle down that capital is going into emerging markets like Russia. Maybe Trump showing signs of wanting to be Putin's buddy. But China now seems to be under valued maybe for fear there is still chance for trade war. So maybe China is a good bet, with leadership change unlikely and strong domestic demands.

This post has been edited by killdavid: Feb 22 2017, 09:32 AM

Then obama put in those stops on the banks. Now Trupm is taking away the stops. Another road to a big reset ?

guys, those who have RHB EM bond fund, there was a huge drop of NAV >1 %. Is this due to the unit distribution ?

What makes you say that ? There was already an announcement of distribution on 20 Feb, only not announce is the distribution payout factor. Else it would seem rather odd that bond fund being that volatile.

This post has been edited by killdavid: Feb 22 2017, 02:02 PM

That's alot of effort just to safeguard your asset. Don't forget to live your life and smell the flowers. You only live once

Suddenly this thread is quiet when he is not around ?

As far as I know rate hikes are bad for bond pricing. Maybe some sifu can clarify ?

High Yield bond is also known as junk bonds or non investment bonds. They are loans to companies considered high risk due to their lower credit rating. So the more pressing risk is whether these company will default. But my understanding is they are also exposed to rate increase but this risk is lower compared to defaults.

We may not be so adversely affected depending on the fund that we buy. I think if you buy US bond fund then now is the time for you to find contingency. I think most of us buy MY, AP or EM bond fund, less effect. No direct impact but may feel secondary impact due to interconnecting factors.

i see a risk in UA HY fund. This is non-investment grade bonds or junk bonds. But still fine, RHB EM fund also junk bonds, the thing that caught my attention is its allocation of >30% in China. RHB EM is more dispersed across many counties.

There has been a lot of articles from bloomberg where analysts are talking about the growing risk of unregulated debt structure in China, and could be the trigger that destabilize the china economy. The gov are putting in regulations but the banks keep finding loopholes. Scared i cannot sleep at night

haha true , true ... but i also take ya'll advise that we need to understand what we are investing in and the risk.

if you look at dec till now, kenanga growth fund is charging up like a race horse. What's up with that? anyone still buying malaysian equitiy fund lately ? looks like on a path of recovery if oil stays above 60 usd

Sorry, but don't you get charged switching fees? Lile rm25 for AH or inter investment switch sales charge ?