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).