Any experienced investors care to rate my portfolio, advise on the next steps, and comment on my plan below? planning to be in it for the long game.

Current Porfolio:

Fund	%
Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund - MYR	20%
TA Global Technology Fund	20%
Affin Hwang AIIMAN Asia (Ex Japan) Growth Fund - MYR	30%
Principal Greater China Fund – MYR	30%

Plan:

I'm thinking of increasing proportion of

1. `Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund - MYR ` to 40% of holdings, and
2. Fixed Income / Bonds / Etc 20%

Any recommendations on Fixed Income funds / Bonds or other lower risk investments to diversify and balance my portfolio?

Thanks. It's helpful.

Thanks for the recommendations.

What are the better performance technology funds to check out? by re-look, are you suggesting that it may be overvalued?


Yes, you're right. Given this, I'm thinking of pulling out of 2 funds, and going 60/40 into Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund - MYR and Principal Greater China Fund – MYR. Would this be better?

Hello, thanks for the suggestions, but I can't find the Fund Selector is unable to find the `RHB China Bond Fund`. Or am I looking in the wrong place.

Also, please do share your concerns with the TA Technology Fund. At a glance, it appears to offer greater diversity in Tech related equities on a global scale compared to `Principal Greater China Fund – MYR` or `Affin Hwang -Ex Japan` funds which are more focused on China.


Thanks for the suggestions. I thinking to pull out of

1. TA Global Technology Fund
2. Affin Hwang AIIMAN Asia (Ex Japan) Growth Fund - MYR

and go more into:

1. Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund - MYR
2. Principal Greater China Fund – MYR
+ 1 more FI/Bond fund.

Another note, the Fund Selector is not able to find a number of the suggested funds. Only one that I can find that is similar is RHB i-Global Sustainable Disruptors - MYR Hedged, and this looks to be a new fund started from this year.

Hey, thanks for sharing your insights. I think David was responding to that fact that my portfolio wasn't diversified -pretty much All In Tech. What do you think?

What are your thoughts on TA Global Technology Fund? Recent posts suggest that China and Ex-Japan related funds are trending, and people are getting out of TA Global in favour of those said funds.

Also, any suggestions on FI Funds, Bonds, etc to balance my Portfolio? After reevaluation, I'm thinking of pulling our of the other two funds, and going into

1. Affin Hwang Select Asia Pacific (Ex Japan) Balanced Fund - MYR
2. Principal Greater China Fund – MYR
+ 1 or 2 more FI/Bond, lower risk fund to diversify (possibly 70/30 split equities/safe)

Newbie here -feel free to roast me if necessary.

Thanks for the replies everyone. However, the Fund Selector still doesn't return the intended when searching the keywords. For example, searching for 'disruption', the only funds returns are the RHB - Sustainability ones. Am I doing it wrong?



That's a good point about balancing our own portfolio by investing in pure equities fund alongside pure bond/fi funds. I've since re-evaluated my goals and gone into Affin Hwang World Series - Global Disruptive Innovation Fund, and Affin Hwang Aiiman Asia (ex Japan) Growth Fund. I'm thinking of adding one or two more 'safe' funds, possibly the RHB China Bond Fund and/or Amanahraya Syariah Trust Fund for an 90/10 or 80/20 equities/bonds mix.

An earlier user commented that both the RHB China Bond Fund and the Amanahraya Syariah Trust Fund gave ~10% and ~4% returns respectively which seems abnormally good for bond/FI funds. What are you thoughts? would this 80/20 or 90/10 mix be a decent portfolio?

I'm looking for longer term investments possibly 5 to 10 years where I'll be making periodic deposits. Would the 80/20 portfolio be suitable?

Also when is the right time to sell? Is it safe to stay in a fund for decades/infinitely just topping up periodically without closely monitoring the market? or do we need to keep an eye on the market, and sell at the high, pocket the gains and put the rest into another fund at the low?

In this case, is it ever 'too late' to invest a fund? for example, tech sector may be overvalued now and those investing now at the high take on more risk as the market may correct. Or maybe investing in a bond fund right before the bonds mature?

Another question, anyone can share their thoughts on diverting a portion of EPF money into a low/med risk approved fund? yes ~6% pa is good, and more fees are incurred when investing in a fund, but at the very least we get to retain some control over our EPF money, and in a way it is hedging against the possibility of EPF funds disappearing in the future because it is being used to shore up the country's financial coffers. Or is this a moot point?

This post has been edited by poooky: Feb 9 2021, 09:29 PM

Just received email for e-invoice opt in. Is this mandatory to claim tax relief? like the RM3k PRS.