Then a Malaysia SmallCap fund is one of the worst choice to imagine. Who recommended this to you? This unit trust is something to mix in when you are holding 90 % Blue Chips from US, Europe, Japan and Korea to create some diversity.

This product is not performing for 20 years already! Same NAV like in 2002, these days maybe even lower. But in 2013 there was a great chance to sell and make a good profit. One needs to manage his unit trust portfolio as active as a stock market portfolio.

But keep in mind the fees! He probably paid a high sales charge and is paying management fee of 1.5 % every year, no matter how bad the product performs.

As I said, Malaysia Small Caps are definitely not a suitable product for the "normal" investor. If you have a portfolio full of US, Europe, Japan, China and Korea stocks, then it can be interesting addition. If a insurance agent sold you this, then I don´t want to know the other stuff he sold you

I think a bond fund is not a good idea. The costs will kill the performance, some will charge you a management fee of up to 1.5% per year!

I also was thinking about this, but when I made my calculations I found that in the end it cannot beat a simple FD promo even these days.

I am matured investor already, many years not invest in funds.

But I read the quarterly reports of many unit trusts to know what their 10 biggest positions are and how they act.

The advantage of a tiny fish in the market, you can move very fast. While funds are container ships that accelerate and break very slowly.

My current allocation is 40% stocks, 40% cash, 20% FD. FD will always remain at this level, in the next weeks I will probably reduce the cash position to 10% buy re-buying stocks (non Malaysian).

Not so long, last year I still had 70% stocks, 10% cash. But beginning 2020 the stocks exploded so I collected some gains in Samsung, Allianz, Taiwan Semi, Siemens ...

Then with corona I sold some chinese stuff like Alibaba and Tencent.

Certainly should have sold ALL, you always no better later on

Now SLOWLY prepare to go in the market again. Only SMALL packet maybe during the next 6 months. Overall should be a good average price in 2020.

No, FD in MYR, CNY and since 2020 also SGD. So, yes can call it forex also, I certainly try to sell MYR when rate is under 4.50 EUR. And sell EUR over 4.80. Worked well in the last years but now the future is unpredictable. So I started to focus on the safe haven SGD.

By the way, today I made a first tiny step back to the buying side, bought some Allianz. Probably to early, the knife is still falling, but the price now is just too attractive to resist. Also very hard not to put the gun in direction of Samsung now