Both r good, u can judge it by return n volatility. See which one suit u.
If can afford, take both

I just feels everything good is expensive now. U want cheap have to pick the bottom of the scrap like REITs, or Japanese or Euro funds

i dont get it. what u mean by some people are ahead of others?

Now i start planning for Reits n global (us) fund liao, ur friend same opinion with me😝😝😝
Though u wanna shoot me liao 😁😁😁

We have a S-REIT champion in this forum.
Hope he could shine you some lights if he read this thread.

You should have joined Ms Selina from AmInvestment webinar session.

need to have correct mentality to handle own investment. thts my 2 cent.

its not something that can make you rich overnight.

maybe stocks if u are a trader.

but definately not all this type of top down investing in funds etc.

different kind mentality.

i am a trend follower. once the trend slows down, i reduce position and move into others or just keep as cash.

dont follow my target allocations if u type that accumulates with dca or vca.

Thank you for the info
Any reason for someone to park money in the cash account instead of doing direct fpx for purchasing ?

Example for AmDyanmic Bond:

Redemption Fee: 1.00% of the NAV per unit. (Borne by Investor)

1% of the selling amount

FSM promotion of 0.5% sales charge is until 31 July (tomorrow) but it's a public holiday for Hari Raya Haji.
So, if I buy the fund tonight or tomorrow, I guess I will still get the 0.5% sales charge but the transaction will be priced on Monday 3 August? Am I right? Can any sifus advice?
P/S Yes, I am last minute buyer (waiting for price to go lower, today Germany stock market dropped) so planning to go into Principal Global Titans Fund. https://www.fundsupermart.com.my/fsmone/adm...etMYCIMB010.pdf
https://money.cnn.com/data/world_markets/europe/
European markets are sharply lower today with shares in Germany off the most. The DAX is down 2.38% while London's FTSE 100 is off 1.68% and France's CAC 40 is lower by 1.24%.

I have low confidence in US equity for now. There are signs that the gains are leveling out.

This is why u dont buy at a high. Coz u need to ask all this kind of question and doubt yourself.

well are you bullish on the long term prospects of said fund?

If u going to be DCA, all this fluctuations shouldn't effect u. In fact u should welcome a market drop!

On the issue of using daily NAV to make decision to enter.

When one sees things with correct wisdom, seeing things as they really are: The investor is buying into the skill of the fund manager. We see performance over time. NAV is plainly a number strictly for transactional purpose.

Let's use a simile for smart and intelligent people may perhaps understand better with the use of a simile.

On such and such a date, the NAV of a particular UTF is RM 1.10. Let's say the fund manager decide to do a bonus issue of 10 units get one free. This means the NAV after the bonus issue becomes 1.10 x 10 / 11 =  RM 1.00. Let assume someone who tracks daily NAV, he will immediately see a 10% drop, and suddenly he will be very keen to buy mistakenly thinking the UTF now is a bargain whereas nothing has changed except that there is a magical illusion mathematical manipulation by the fund manager.

There are many scientific parameters available to evaluate the performance of the fund manager, some which has been peer reviewed and won Nobel Prize for Economics; and watching the daily NAV is not one of the method.

Google keywords for Alpha-Jensen ratio & Modigliani ratio for some insights. Sharpe ratio is a good start as it is simple to understand.

Xuzen

Can share which 2 china tech funds?