Got it! Thanks. It's my Chrome cache is giving me outdated info!

Well do you have a crystal ball? I don't so I can't tell the future.

What I advice is that you should be well diversified, with a portion in bonds, a portion in Malaysian funds and some international. Keep to your ratio and revise it one a year or so.

For me I have about 30% in bonds, 30% in Malaysia and rest in international especially AP ex Japan. Depend on your risk tolerance, you might want to have more in bonds for a less volatile portfolio.

what is equity for DDI bro?

mind also share why bonds is safer now and not advisable for lump sump in equity funds?

what is the cue to go for/ditch bonds and equity funds?

thanks for sharing. am learning here

wah, your blogs very detail. You are a pro.

We can't see the future but we can certainly guess/pick the one that suits our profile. Roughly:

What is your risk tolerence?
How long do you intend to invest? 5/10/20 years?
What sort of return are you looking for? 3%/10%/15%?
Are you comfortable with domestic or oversea investment?
Do you have any specific theme for your investment? index/small cap/growth/dividend/syariah-compliant etc.
Which fund offers the lowest fee?
How well does a fund perform from medium to long term?
What's the track record of the fund manager? etc.

So, choose one that you are comfortable with. Make a smart choice & a wise decision based on your needs. If you can't make up your mind which fund suits you most, then don't commit first. Take your time. Do some reading, make some research & learn some lessons. It's always about hit or miss...not do or die

DDI - Diret debit instruction, where invesor invst regularly/monthly without worry abt market trend. tis can average down the buying unit price over the time.

equity fund - most of the asset allocation will be in equity or share market. as current market is very volatile.... is very danger to go in with big lump sump.

as KLCI 1500...waht will happen if down to below 1400 after enter with big $? so, its better to enter via DDI or regulary to avoid the risk. RISK MANAGEMNT-MAH

BONDS - still has risk, but lower than equity risk. if equity drop, to cut lost or avoid any further drop..can switch to BOND funds. and switch back to equity during recovery.

if want to invsest RM10K, maybe rm1K or rm500 DDI in equity. unless u very much sure market will be in uptrend at least 6 month n above.

or leave it at bond with less risk. and can switch to equity fund when time is correct.

or, maybe can concider DDI in balance fund. 60% equity / 40% BONDS. FM will switch and balance the protfolio time to time.

kparam77,

in your view, what do you think of the KLCI for 2012, up or down?
and is switching of funds necessary? are you timing the market when you recommend to switch? if so, how do you time the market?

one other thing, how does investment linked policies compare to unit trust? are they any different or similiar?

This post has been edited by lunchtime: Jan 6 2012, 01:51 AM

Future market cannot perdict........ election around the corner...... maybe up or down.

switching can apply....... for those understand abt the method. switching is to reduce the risk/ stop lost.

linked policies compare to unit trust - similar in investment strategy, but diff industry/ diff management/diff benefit

kparam77,

how do you time this since you said ?

This post has been edited by lunchtime: Jan 6 2012, 08:36 AM

cannot time the market........ but u can set the stop lost to manage the risk. if market drop and reach ur stop lost target, time to switch.

ur stop lost can be 5%, 10%.. its up to u to set it.

so you are saying to buy equites when it going up and avoid it when it coming down?

yes, for active investor....

its depends on investors taste.... passive or active investor.

passive investor.......just pump the money and wait for medium to long term without worry abt market trend.
active investor...always monitor the market.... and take opportunity to reduce the risk n max the return time to time.

you are saying for active investor to time / trade the market? could you explain further? i m not understanding you.

nobody can time the market..... its abt RISK MANAGMENT.

let say if u invest rm10k in equity..... if the value drop 10% (let say the stop lost set to be 10%), either can reedeem the units or switch to other safer fudn, like BOND funds.

another option is... u can top up if u want to average down the buying price. and its all how u plan ur investment strategy. not everybody strategy is same.

to make it simple understanding..... UT, buy cheap and sell high to make profit. so, u need to educate urself how to buy unit for cheaper price.

1. wait for cheaper price by applying VCA. u need educate too to find out which is the cheaper price. for some ppl rm0.20 is cheaper....for some ppls less then rm0.20 is cheaper. diff ppls ....diff...taste.

2. if any downtrend and if u want to safe ur money, either reedeem or switch the units.

3. if u reedeem and enter back for cheaper price again, take note of SC. so, its better to do switching.

4. or, just apply the DDI. DDI is the method to invest regularly without worry abt market trend. of cource....medium to long term.

dont buy the product if u not understand... its better u educate urself until u understand than u can decide to enter to the market.

could you explain how all this work with Public Global Select Fund?

before i explain.... i want u to share this info's ...

PGSF -

the fund objective?
approved fund size?
current fund size?
fund risk factor?
asset allocation?
local or foreign?
what/where are the allocations?
Distribution policy?
waht are the possible risks for this fund?
how the fund performance?
do u think all the investors profit/lost the money all the time?

?? lu cakap apa

waht u understand abt this fund?

you are the agent, you tell me.


and could you look into my posting here http://forum.lowyat.net/topic/2007814/+1080



This post has been edited by lunchtime: Jan 6 2012, 02:16 PM

ya, i read the post too,
(public mutual agents and all those agents who promote themselves with their signature come come,

public mutual NO.1 yes?

then how the F do you explain the ptuiiiii funds like PCSF, PCIF, PGSF whereby since launch till today, not making money? DDI until now also not making money? )

some time agents need to ask Q too to give the best solution. nothing wrong on that.

lets focus on PGSF.

How you know?PGSF, launch till today, not making money? DDI until now also not making money??

this fund do give profits too.

learing investment method/strategy is 1 thing...choosing the correct fund is another thing.

So, can u give the belows.... think.... im trying to help u............ no point if i explain if urself dont know wat u r asking.

the fund objective?
approved fund size?
current fund size?
fund risk factor?
asset allocation?
local or foreign?
what/where are the allocations?
Distribution policy?
waht are the possible risks for this fund?
how the fund performance?
do u think all the investors profit/lost the money all the time?

u can get the asnwer from fund review.