TA global technology.

Risk score 12.5

Wtf lol

invest in one lump sum or split into months is better?
eg: I got rm24k, invest whole 24k into a fund or invest 2k per month for 12 months.
split into months will have lower risk?

I am writing this not to disparage FSM material, but my Lic Fin Planner also just shared some market outlook with me. He said he just attended also a conference for Financial Planner.

1) Market sentiment memang is bullish esp East Asia region. The simple reason is low PE. When low PE, smart money will naturally flow in to take advantage of the potential upside.

2) He is cautiously bearish on Malaysia. Despite the noise, the fundamental outlook on Malaysia is weak and the main cause is due to the massive external debt faced by this country. He further alluded to the fact that for the first time, the forex reserve has dropped below the external debt level. In lay man term, on your bank account you got MYR 100K, but you owe bank MYR 120K.

3) He is also said fund managers are bullish on REITS, but not M-REITS.

4) On US and India, the call is neutral with more downside risk than upside risk because PE is above historical high. What goes up, must eventually come down. If you have India or US, can start taking profit liao. If you do not have either, can give it a miss. You missed the boat already.

5) Watch out for Indonesia, she is the next boom.

Xuzen

My latest portfolio standing.

Please note my port is currently on the moderate risk profile as I move towards middle age. If you are a young or with aggressive risk profile, you may consider a putting more money in higher risk UTF.

Xuzen

Normal what. DT fail in the healthcare bill, went and bomb syria, afgan, send a aircraft carrier to korea. All causes uncertainties and those investors start panicking.

would strongly suggest you reconsider investing in us and developed nations and focus on Asian countries.

Good timing. I been noticing my manulife US dragging my portfolio and I am thinking of doing a intra fund house switch to manulife India but doing so would place my allocation into India near 20%.

still putting my pillow high and thinking if to go at it or not.

Indonesia funds are not performing vs malaysian funds vs india.
If reits, I recommend manulife asia pacific reits. Don't go for crowd favourite of amasia. You will regret it. (I am currently regretting it for buying based on crowd recommendation)

you do know they are a different class altogether right. one is Reits and another is an EQ.

India there is only one. Manulife India Equity. I will switch my Manulife US equity bits by bits over. The Manulife US is on downhill.

Good call the both of you. I was eyeing a full switch for a few weeks now and since trump has fired the director of the FBI I am expecting him to stream roll his presidency by ending it with an empeachment.

when that happens manulife us will tank. Its not a weather of if he gets impeached but rather when. I just switched all my us into India.

now to rebalance my port.

If that happen, buy global tech la.  Why scared?

Wow... 200k cash in Group A.  You have a fabulous headstart as compared to your peers!
May I ask what's your line of business?

Yah, thereabout.... slightly bigger, 2.5 Yr.

The other significant asset is my KWSP port which is double than this cash port.

I don't have properties, I don't flip prop. My wealth comes purely from salary in which I spend less than I earn, then invest the rest.

I save, then invest using DCA, i.e., the regular Joe method. I still have 20 more years thereabout till retirement.

If I have started much younger, in my twenties, I would be in a much better position now. I only started to be financially savvy in my mid 30's. I wasted ten years of time in my twenties. Having said this, I do notice some of these people who join the forum are much younger. Kudos to them to be financially savvy at such a young age. Let me tell you young people, it is worth it.... Delayed gratification is worth it! Watch your risk, let the return take care of itself....

Xuzen