Yes, the above is one of the very appealing thing about Asnita.

Xuzen

Take note on Nomura I Income.

Long term bond. Suits 2019 MY bond situation.

For me better than Asnita. As asnita majo on near term bond.

huh?
no meeting criteria?

I don't know... I know now all investment gear are very strict on "know your customer" after new gov takeover.

If cant I also don't know.... because last time I register in 2016 nothing much they ask. 

are you new to FSM?

jfyi....
previously during GOLD price increases and for its durations, the RHB Gold and General fund's NAV dropped...it started to drops when the gold price starts to increased by 50% too

Just see you want honest or not lo... Haha

no idea why...just that cannot jump in to that fund just because GOLD price will increase.....
historically it did shows negative correlations....

Start slow. I was in your shoes back then in 2016.

Don't follow blindly what we pick here.

For beginners for sure will lose money to take lessons. Haha.

I think no sifu here can deny that.

For UT, we can buy according to region. A port folio cam have core, fixed income and supp. Ratio wise is up to you. And how to react when volatility comes. And alert to market sentiment after all UT is also part of share. Up and down also here.

Pick your core. Pick your support. Pick your fixed income.

Now FSM recommended is better, they have region for you. Go there see see look look. Don't so hurry lump sump.

Take your time.

Based on my shallow knowledge in UT

dump China, Dump Asia Pac, Dump ALL Equities and go into hibernation modes before it is too late......? the signs is starting......    

Glooms spreads to Chinese provinces
BEIJING: More Chinese provinces have cut their annual growth targets in 2019 than the year before, a sign of deepening pessimism among local governments amid weakening domestic demand and an prolonged trade dispute with the United States.
Of China's 31 provinces, regions and municipalities, at least 23 cut their economic growth targets for this year, according to provincial announcements this month. In 2018, 17 provinces set lower targets.

"I personally believe the trade tensions could ease temporarily in March, but they won't be resolved once and for all. The US won't easily give it up, and the pressure could come back in the (US) election of 2020." said Yu Pingkang, chief economist at Changjiang Pension Insurance Co in Shanghai

https://www.bangkokpost.com/business/world/...vinces#cxrecs_s

Take note on Nomura I Income.

Long term bond. Suits 2019 MY bond situation.

For me better than Asnita. As asnita majo on near term bond.

there are 2 articles by FSM recently...
goto post 16348, page 818 for the links....

in those article you can see the figures of last year......when the full impact are yet to be felt.
for this year....no idea yet.

do you need to use the invested money in the next 3 yrs?

do you need to use the going to buy in little by little (to average down) money in the next 3 yrs?

if yes,...then, may I suggest that you stop putting in anything more money and plan your escape route for your invested money.

if not,...then, just go in DCA on the equities to form a diversified none correlated portfolios.....

not everything .....

try these.....
https://www.google.com/search?ei=ertRXJfPBZ...i30.PoFDwsAoyhI

What is Correlation?
https://www.fundsupermart.com.my/fsmone/art...22-August-2014-

Correlation Between Assets
https://www.fundsupermart.com.my/fsmone/art...29-August-2014-

The Mathematics of Diversification
https://www.fundsupermart.com.my/fsmone/art...September-2014-

How To Use Correlation To Build Portfolios
https://www.fundsupermart.com.my/fsmone/art...September-2014-

some people put some % of emergency funds in the bank s/a, some % at home, some % in FD, some % invested in funds, some use credit cards as part of the emergency funds....
for it very liquid nature.......so not sure how many % of your emergency funds is gonna in LibraAnista.....try not 100% in it....for there is a lag time between selling and getting the money in your bank.

Found a nice article in Yahoo! Finance

Saving is not the key to building wealth—here's what is, says author of 'I Will Teach You to Be Rich'

The typical millennial has about $2,400 socked away in a savings account. But personal finance advisor Ramit Sethi says having savings is not the key to building wealth.

"One of the most surprising things that people don't realize about money is saving is not enough," Sethi, the best-selling author of "I Will Teach You to be Rich," tells CNBC Make It.

URL: https://finance.yahoo.com/news/saving-not-k...-171723481.html

Yes you can , buy a listed S&P 500 ETF listed overseas

good to hear that...
mine too, if excluding the opportunity cost.....on YTD, my portfolio had recovered 70% of the paper monetary value that I had lost in 2018.
hope the other forummers are having a good times too....
hope it will last for a few more months.....

on 2nd thought....looks like this year got no chance for GREEN for my Affinhwang select asia oppor, United Jpn Discovery and KGF....still 10% in RED. 

What's a ponzi2?

Also if I buy into this right now, will I get income distribution too later this month?

I think k current situation maybe similar with what we have gone through in Oct and Dec.

But will it become a crisis not sure.

I guess the next few days may shoot up again.

Same as Oct and Dec.

The moment Xmas come, all news flying say this and that. Next few day lol apamacham.