Both. Time + buy and hold.
When to sell? Draw money from your emergency fund when you need it. After that topup your emergency fund. Never sell unless you are using for big purchase. When sell, just sell all in equal amount. Takkan holding only one fund meh.

Those american funds maybe. So far, I have no complains with the one from Asia as they have successfully beat the asia pacific benchmark time and time again. Besides, would you buy something just because it's big?

Why should I buy an ETF when a fund have shown it can beat the ETF time and time again?

Besides for malaysian investors, they don't have access to ETF. You tell me la, how are they going to invest? FD? JJPTR? Amway? ETF causes illiquidity in the market. Everyone buying the same item, everybody sell at same time like all rushing through the same door.

If active fund no good, nobody would have park money with Berkshire Hathaway

This post has been edited by Ramjade: Jul 2 2017, 12:48 AM

True. But you haven't propose alternative for Malaysians. That might be true in US (not many funds can beat the S&P500, those that do will have money automatically flock to them).

Besides, fund like Kenanga Growth Fund have shown time and time it have manage to beat KLCI, If one were to invest in KLCI (as what you are implying vs one were to invest the same amount into Kenanga Growth Fun, one would have made more money with Kenanga Growth Fund).

Berkshire hathaway is still an active fund. His advantage was he bought when world economy is booming.

This post has been edited by Ramjade: Jul 2 2017, 01:15 AM

Yes. They charge annual fees. But if they can beat the index year in year out (even after plus annual fees) I will gladly park money with them vs invest in ETF and get lower fees. Why should I pay lower cost for ETF when a fund can beat the ETF. I want the best bang for buck man.

You pay lesser fees for ETF but at the same time, fund X is beating the index (after including fees). You tell me which will give you better return?

How many people you know know how to buy UD market/buy US ETFs? :w

This post has been edited by Ramjade: Jul 2 2017, 02:32 PM

Both works. You need to find your own style.

You won't be able to invest in Vanguard from Malaysia unless you are willing to pay higher brokerage fees + maintenance fees + dividend fees which defeat the purpose of investing in ETFs (I am assuming you are going to invest in ETF since you mentioned Vanguard)

Only way is
1) open a US/UK brokerage

To get zero commission for UT, can consider POEMS SG. Really zero commission. Of course fees cannot beat ETF fees. But if the fund can continue beating the index after net fees, ETF is useless here.

This post has been edited by Ramjade: Nov 19 2017, 10:31 PM