example like this AmanahRaya Syariah Trust Fund the top 5 holding so no impact

If it has MGS, it'll show "MGS"

Example from IPF:

so kantoi la for Opus IPF
perlu jual semua ka?

Why panic? It has only 6.8% holding for a 15-years MGS; not 68%.

Uncle, let the fund manager do his job, u oledi pay them.

That's why it's better for him to just keep the money in FD, EPF and SSPN.
His heart is not that strong to sustain market high volatility.
Spend time at banks lounge and can get freebies if place FD (for instance, FD from Bank Rakyat).

Uncle first time play, kasi masa sikit.
I last time tengok itu year 2018 pun takut n sakit hati, terus lesap almost one year, 2019 December baru balik.
Luckly, the profit come back especially TA global tech, nasib baik i x jual habis 😁. Still holding.
Nasib baik kenanga growth pun x jual, tunggu profit naik sikit baru switch bcoz is my children saving. Susah mahu jawab dgn isteriku nanti.

This post has been edited by ironman16: Jul 22 2020, 10:45 PM

i just dont want to burn my saving that i kept for myself and my wife
if FD got 4.5% i should be ok but now no 4.5% le

i am learning and you guys are all good ppl helping uncle to learn

Uncle taste too Conservative ma, just like playing football ball, u put all the defender into the fields.
Try allocate let say 5% or 1k into equity fund ma, burn oso no harm.
Suggest only uncle, don't want oso ok 😁.

Uncle can use 100 - ur age rule, this is the equity u can have, example 100 - uncle age (assume uncle age 60) = 40, mean suggested uncle can hold 40% of equity fund but uncle can lower it to 20% equity fund. Other uncle can put in may b money market fund 50% and 30% FI ( i assume uncle very Conservative investors).
Among the 20% equity, uncle can choose a few fund let say 5 or 6 and spread it consist global, asia n Malaysia fund.

If uncle feel that 20% still high, lower to 10% or 5% oso ok. Increase later when u feel confident n comfortable.
Suggest only.

That won't work for him as he said "i just dont want to burn my saving that i kept for myself and my wife"

In unit trust, nothing is guaranteed. Things can go south. For investment, there's always a risk-ratio even with the lowest risk financial vehicle such as MMF which is sensitive to OPR cut (interest rate risk).

That's why EPF, ASx FP, SSPN and FD are the best choices for him. He can sleep soundly at night.

If fixEd income fund is considered high risk for you , you can just put into epf or asb if you are qualified.

How old are you? If you are retirement age consider epf.
I put my parents money into epf.
Beats FD anytime.

then when your parents need to use like 120k or 200k how u going to withdraw for them?
I am above 60 years old

This post has been edited by majorarmstrong: Jul 23 2020, 02:53 PM

they can do partial withdrawal
https://www.kwsp.gov.my/member/withdrawals/...age-55-60#age60

you can do self contribution at age 60
https://www.kwsp.gov.my/member/contribution...lf-contribution

thanks for the info, will put some inside

They only use RM1-2K/month and they have pension coming in every month.

Epf can put max rm60k/year.

Medical expenses is no joke at my age
Pls don't put too much as then you will not be able to withdraw
If they put inside ok since they over 60 can withdraw

I looking to put 5k each into the following, diversify a bit:
1. Precious Metals Securities
2. RHB Gold And General Fund

any comment sifu sekalian?