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.

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.

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

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.

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.

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.

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?

waht u understand abt this fund?

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.

waht i want is how much u understand abt PGSF. i don want to move further if u dont know tis basic info's.  all the infos u can get form master prospectus n fund review n fund report n fund performance  in the PM website.

take ur time to get the infos.

transit,

our fren lunchtime...asking abt the PGSF n need some explanation abt the fund too. nobody promoting this fund.

im still waiting for...

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 may get the answer after u get the above info's.

r u sure eventhough C the fund performance.... the fund never give any profits?

Why need to go through those unprofitable fund (PGSF)???? WHY wasted the posting thread here. This PGSF is sxxxxx...no value to spend time to look further.

It's good to study those performing fund instead of unprofitable fund. n_n We are not in Engineering field to do the Failure Analysis (FA).

Kparam77, personally I felt u have providing best effort information to him/her in this thread even this is not your investor.

I only know, DDI, DCA 100% works and good for the agent and fund house. 
Automatically income earner every month/year, without a sweat nor word. 
No offence. 

DDI, DCA, whatever, works if fund is finally generating profit over the long term.
But not every fund must generate profit, there are funds making a loss.
In this scenario, whatever DDI, DCA, potential make one sink into deeper hole.

DDI, DCA has nothing to do with risk management, it doesn't reduce your risk in equities, nor spread the risk (because you are investing the same fund)
It just try to eliminate timing factor only, or spread the timing factor only.

There is no foolproof strategy, the most important criteria is about choosing the right fund which is performing.
Not DDI or DCA or whatever.

As I do reply before....learning investment method/strategy is 1 thing...choosing the correct fund is another thing.....in http://forum.lowyat.net/topic/690951/+1640

Hi, i just told my agent to invest RM500 every month in Public China Selective Fund(PCSF), which is high risk, they say it will earn at least 70% for sure within 14years?

Issit like if i choose high risk, it must be long term? If i aim for short term, then choose moderate right?

My friend is going to submit the form tomorrow to public bank, any high risk fund is better than PCSF within 10years+? Im looking for long term+ high risk. Thank

Then pls verify

I don't have  crystal ball.. can't tell you the future yet. 

But what I can tell you is the PAST 5 performance of PCSF.....*drumroll* it has LOST -38% of the money invested.  Take a look at the picture below...

[attachmentid=2634304]

LunchTime, in my humble opinion it takes 2 hands to clap leh.
Like them black $ and email cons/scam. It's so obvious yet so many fall for them - greed, laziness, and hope results in the unshakable lure, like moths to flame. Sigh.. we've got a good case study here in the flesh - no one can help a person determined to get rich (properly OR un-properly, like the black $ scams) 

I'd understand if it was part, a small part, of a bigger Asset Allocation, for exposure to China but our fellow forumer doesnt even know what are the underlying assets of mutual funds.  Oh well, we may have another great Contrarian investor or self-styled Value Investor in the making... crystal balls aplenty gua.