It minimizes lost by eliminating the systematic risk inherent in the funds.
It averages out the return which is anticipated from buying more than one fund
It reduces the holding cost of the funds, thus increasing potential of higher return during a bull market.
It increases the number of units in hand, thus decreases the potential of loses.
Before: RM 0.2500 a unit / After: RM 0.2504 a unit
Before: RM 0.2600 a unit / After: RM 0.2700 a unit
Before: RM 0.2500 a unit / After: RM 0.2554 a unit
Before: RM 0.2600 a unit / After: RM 0.5200 a unit
I stop topping up during market up and continue top-up during market low.
I continue topping up on monthly basis irrespective of market condition.
If my holding cost is lower than current NAV fund price, i stop top-up, but if holding cost is higher than NAV, i continue top-up.
I stop topping up of funds and wait for the right time to sell.
RM 4000 every 3 calendar months.
RM 40000 every calendar month.
RM 12000 every 3 calendar months.
RM 60000 every other calendar month.
Switching is part of re-balancing method and should be practiced every time the return deviates from the target.
When return is rising rapidly above target, switch some equities fund into bond to lock in the gain.
Don't do switching while return is skyrocketing.The higher it goes, the more return we can get.
Switching in funds accepted by the EPF is exempted from any fees.
I will continue to keep all in the same Fixed Deposit as the return is stable.
No, i will transfer all as the net income is -0.90%. I will keep in my saving's account.
Since the net return is negative, i will transfer all to other investment products that produces return more than 4.00%
I will withdraw from Fixed Deposit and i will invest in investmetn products that gives me return more than the inflation rate and covers my other long term saving rate.
Fixed Deposit account
Property,especially buy-sell houses.
Unit trust scheme
50% of Bond and 50% of Balanced funds
20% of Bond and 80% of Equity funds
80% of Balanced funds and 20% of Equity type funds
100% exposure in Equity funds.