See the example in http://pk31-tips.blogspot.com/2011/09/how-to-rebalanced-unit-trust-portfolio.html

My existing distribution:
PRSEC 22%, PAUEF 18%, PFA30F 12%, PIA40GF 11%, PRSF 27%, SMALL Cap 10%. All are doing ringgit cost average except PRSF & SMALL CAP. How should I move?

Thanks!

Since we cannot time the market, (or, u still can wait for better price to enter), IF u well aware on risk management, u can switch ur equity funds to less risk funds (Bond/MM) to protect ur money value, during any correction n u still can continue DCA in less risk funds.

UR portfolio should be equity (stock or funds) + bonds (less risk) + FD (as emergency funds) + others (if any)

or, any investment vehicle fit for u.

100 – ur current age = X
x% is the allocation for ur equity. the rest is up u.

age factor VS risk factor.
the higher the age, the lesser the risk. (suggesion only)

u can include PSF, PGF, PAGF, PIDF, PDSF and other moderate funds.

but u already has equity funds, why still going for equity (PRSF), but ur intention is balanced ur portfolio. it should be other than equity funds.

u can concider balanced fund (60%/40% = equity /bonds) or bond or money market.

I think u asking abt asset allocations in ur investment portfolio?

let say ur asset allocation is 50% equity + 30% bond and 20% FD = 100%. u need to review this every year. The portfolio will affect by market trends. if ur portfolio shows 70% /40% / 23% respectively u need to rebalanced it back to ur initial asset allocation.

I started with all equity fund. Now trying to build other portfolio. I am doing mixture of ringgit cost averaging & lum sum buy in at low price. Any suugestion? How to include FD?

PRSF looks good at least in coming 6 months…what do you think?

Thanks!

PRSF is not in the bottom line, but its below from past high price.
Yes, PRSF is better fund too. Asset/Sector allocations localy invested.

if ur investment objective and risk factor match with PRSF investment objective and risk factor, u can concider this fund.

preservation = the safety of the capital invested.

I am new in mutual fund market & doing ringgit cost averaging for few funds that i am holding. I am looking at portfolio balancing now. How should I move on?
What do you think about Regular Saving Fund?It went very high in pass few months & now at bottom line.
What is “preservation” means in Lipper Leaders rating?

Thanks!

The funds risk level/factor clearly documented in prospectus.
yes, equity fund performance link with share market.

equity = share market.

You can manage your money by directly buying share in the equity/share market or give your money to Unit Trust Management Company to manage your money on behalf of you.

Yes, Bond and money market perform vise-versa with equity market.
This is due to Bond and money market consider less risk and investors will go for bond and money market during market down trend and vise-versa.

How to know the risk level of the fund?
Is equity fund performance link with share market?
Is it true that bond fund or mony market fund move up when equity fund drop?

Thanks~

“Invest Ringgit A Day, Keep Poverty Away”

CHAM KOK CHUN

Unit Trust, buy cheap sell high to make profits. Current market condition maybe is not the best time but can be the better time to enter.

However, it’s not recommend to invest lump sum. It’s better to buy the units regularly to average down the buying price.

Ya, for those aggressive, can go to high risk Equity funds.

For those conservative, better maintain in Bond or Money Market Funds. Or can switch to Equity Funds when the market recover.

What do you think of the market now? Do you think the market still will be low?Isn’t now is the right market that I should go in? If I’m the aggresive and can take risk people… What type of fund should I invest in this type of market?

u can study the fund asset allocations in Public Balance Fund. As at 31/march/2011 –
54.65% in Equities ,
27.08% in Money markets instruments & others and
18.27% in Fixed Income Securities.

Asset allocation by country;
27.03% – Malaysia
13.87% – China
8.14% – USA
1.47% – Korea
1.38% – Indonesia
1.37% – Taiwan
0.92% – Japan
0.47% – Hong kong.

Public Islamic Balanced fund as per below:
31/march/2011 –
54.46% in Shariah-Compliant Equities ,
25.85% in islamic Money markets instruments & others and
14.07% in Islamic Debt Securities.

Asset allocation by country;
52.46% – malaysia
2.99% – China
2.36% – Korea
2.27% – Taiwan

u can study abt these funds or other balanced fund at;

Public Mutual Fund Review at – http://www.publicmutual.com.my/OurProducts/MonthlyQuarterlyFundReview.aspx

Public Mutual Master Prospectus – http://www.publicmutual.com.my/OurProducts/FundProspectus.aspx

Public Mutual fund performance chart at – http://www.publicmutual.com.my/OurFunds/FundPerformanceChart.aspx

Pls take note of service charge.

Param @ RREMY
Unit Trust Consultant
017-8735029
Kparam77@yahoo.com

1. When the Stock Market up, the Bond Fund and Money Market fund will go up
but in a very thin and minimal step compare to equities trust.

2. When the stock market down, the equities trust fund will go down hill
all
the way, but the bond fund and money market fund will go up ( slightly
faster but still in minimal step )

So, let say I predict the global stock market will go down in big way about
20%-30% within next 6 months, what are the Public Mutual fund that I should
look into ?

I want something which is faster than BOND FUND or MONEY MARKET FUND, but
at
the same time riding on the dead bull market for the next 6 months.

Thank you

tq.
Param,
Unit Trust Consultant.

2) Login to http://www.etrade.com/ or http://www.schwab.com and apply for an account to trade.Once u got an account, you may wire transfer some $ to securities/firm ‘s bank account b4 u can perform trading online.

Globally, world stock markets had hit 2 1/2 years high since Lehman Brother collapes, AIG Bailout, Banks in USA hardly hit due to credit crunch. Unit Trust Gain = Very Slow and Steady .. But can’t hedge against inflation cost.

e.g HK Stocks = Casinos Stocks 1128 Wynn Macau, 1928 Sands China, Banks/Finance Stocks 1398 Industrial Commercial Bank of China(ICBC), 3988 Bank of China, 0939 China Construction Bank ..etc
e.g S’pore Stocks = G13 Genting S’pore, Z74 SingTel , F34 Wilmar ..etc.

Ok, one may ask, how does one know when the season change? I am not sure what other people use, but I have developed my own system of trend following the price after years of learning technical analysis (you can google up technical analysis). My system is also explained in my blog under UT-XRAY page.

Many people do not have the time to monitor their investments or become experts in trend following. I am a unit trust and i give monthly update to my clients every month so they dont have to worry.

If US stock up 1 dollar , your USD investment X currency exchange ( 3.05 ) your investment already triple your profit..Ratio 1 : 3.05 .You may need to read many financials / macroeconomy ‘s books / magazine to make wise decision on your investment. Presently, Global Economies are in recovery stage . It will takes 4-5 years before it reaches expansion and then, peak stage. So, put yr $ in high ratio returns which will generates good profit. For RM5K, you may need to convert it to USD and buy USA stocks in small units.
For me, i’m putting my money on Citigroup (C), Las Vegas Sands(LVS), Bank of America (BAC), XL Capital (XL), Lloyds Bank(LYG), Beazer Homes(BZH), MGM Mirages(MGM), E-Trade (ETFC) ..etc..etc . IT-Savvy knowledges will be helpful to search useful historical charts/ EPS/ PE Ratio, Current/Quick Ratio, Balance Sheet, CashFlow, Return of Equity(ROE) ..etc..etc..etc Enjoy Learning !!

Basically I’m new to this site and also in financial investment. To cut it short, I’m a graduate who aspire to be financially independent before my age catches up. I’m currently in a good job and believe that I’m in a right track to achieve my goal (to be financially independent).

My question would be kind of amateur-like but I think it would be a good head-start. Therefore:

“Where should I invest if I have RM 5000 in my hand and if I looking to at least double or triple the money”?