For bond/fixed income portion:
i. Bond unit trust fund, pros it's a basket of bonds, can buy 0% fee from certain platforms; cons annual expense, if the fund manager's choice is bad and there's a default/downgrade
ii. Amanah Saham Malaysia (if you're non bumi)/ASB (if you're bumi), pros fixed price no drawdown; cons hard to buy, lately % getting lower
iii. EPF (min 2.5% if you're in non bumi account), pros no drawdown; cons conditional withdrawal/upon retirement
*ASM and EPF may be considered fixed income because it has no drawdown risk and dividends come in the same time yearly without fail so far
Equity/risk on stuff, I'd not comment. Some people like REIT, some like small cap, some like large cap, some like foreign tickers, others like crypto and FX. You hold some of this and that, so I think you know best based on what feels right and works for you.
Diversifying portfiolio + Bonds + ETF (?)
Oct 21 2020, 12:05 AM
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