We all invest in unit trust to gain. I bought close to 5 digit worth of unit trust from Eastspring Investments (Prudential linked) Small Cap. I held it out for many years. But all I see is red, red, red in the region of 5 thousands. Trade war, Coronavirus and now change in gomen are to blame. When NAV of Small Cap is at a free fall, I switched to Bond. When I see NAV goes up, I switched back to Small Cap. Thing is, after waiting for so many years just to gain a small profit, it never came.


a) Should I still hold out and wait and wait and wait?

b) Should I take it out and put my money somewhere else?

stop fidgeting and let it ride if you are in small cap. when u keep switching here and there you lose out.

clearly you don't know how to time the market. just buy put and forget

I will be honest. I struggle to accept volatility.

you are looking at unit trust the wrong way. you shouldn't look at it or the charts in short term. look at it longer horizon. 5, 10 years.

you need to accept volatility. take it as a good time to buy.

the game is like that, you need to learn how the game works. unit trust is supposed to be very passive, so don't do much to it until it reaches your goal or it fails to reach your goal.

you got pm sir

you should set your investment objective and timeline first

equity is not doing well, so is the equity fund

i decided to diversify with bond fund instead of switch since bond fund has a more steady return
so i m investing in both equity and bond funds on monthly basis to average the cost
equity: low NAV, cheap, hopefully will rebound in the next 10, 20 or 30 years (long term) before i retire
bond: a backup if the equity fund does not rebound

i might make the switch when the NAV of equity fund goes up to a point but still continue investing in both

you should definitely compare the fund performance with other providers

Is this ringgit cost averaging that people keep telling me about? Can you explain it in simple words?

What is timing the market? I hear this a lot. Can explain in simple terms?

EPF should be your future investment

If your are fidgeting with the recent market rout, this means you're over estimating your risk level. Perhaps you should look at blue chips/dividend funds which are less volatile

dollar cost averaging (DCA)

if you invest when its bottom and the thing goes up, you earn.
if you invest when its top and the thing goes down, you lose money.
but you cannot predict up or down.
so invest every month/week/day (sometimes it'll be top sometimes it'll be bottom but they will eventually cancel each other out).
suitable for long term investors because in the long term, everything usually always goes up.

timing the market means,
you wait wait wait and read news then suddenly you think it will go up, so you fast fast buy...
then wait wait wait suddenly you see news and think it will go down, then sell sell sell...
so you keep trying to buy low sell high based on "research" and news.
usually for traders that just wanna earn some quick money instead of investors that plan for the long term.

tq

You have the following options:
1. Cash out;
2. Stay invested;
3. Top up regularly to average out the Unit price.
Please check your PM.

Most people buy at the top and sell at the bottom.

And yes, me included.

Find new hobby, dont keep checking your portfolio

Trust me, boleh gila

I already am.

ah... fellow investor who invested eastspring small cap funds... yes.. very painful to watch the performance nowadays. stay strong.

finally! somebody in the same boat. What do you plan to do?

Not sure man... feel like wasted if let go now ... I still have holding power la... but looking at the market now, macam too late to do anything... but definitely not gonna DCA this fund anymore. I'm going to try SA with lower risk profile.

Not sure if I'm going to DCA to SA soon. Feels like want to delay DCA a bit. Looking at the market sentiment now. Haiz....